What is the minimum contribution for RECB?

The minimum contribution is ₦1,000,000. There is no set maximum, subject to cooperative membership availability. Cashback rates vary by contribution tier and are communicated at onboarding.

How safe is my contribution with RECB?

RECB is licensed by the Lagos State Ministry of Commerce, Industry & Cooperatives (Reg. No. LSCS 18176). All contributions are deployed into real estate projects and backed by a Deed of Agreement. Payments must be made only to the official GTBank cooperative account — 0696547068.

Can I exit RECB before my 12-month cycle ends?

Yes. You may liquidate after 3 months with a 17% administrative charge. The cooperative requires 21 days to transfer your position before capital is returned.

Real Estate CashBack | Nigeria's Most Trusted Housing Cooperative

Turning shared contributions into shared cashback

RECB pools member contributions to collectively acquire and resell prime Nigerian real estate. At the end of your 12-month cycle, you receive your full capital back — plus your cashback earnings, deposited directly to your bank account.

We are a subsidiary of Zylus Group International, operating in partnership with Zylus Homes & Property Limited — one of Lagos's most established property developers.

GTBank — Acct: 0696547068 · REAL ESTATE CASHBACK COOPERATIVE

Buy to Resell — Contribute Together, Profit Smarter

Your real estate cashback advantage

Attractive CashBack

Earn competitive cashback on your contribution — paid at maturity or upfront.

Own Real Land

Every contribution is backed by a Deed of Agreement with your actual property allocation.

Access Cooperative Loans

Active members can apply for cooperative loans after completing one full 12-month cycle.

Fully Documented

Deed of Agreement, receipt, and optional post-dated cheque — every position is legally protected.

Earn While You Sleep

Your funds work in real estate while you go about your daily life. Passive cashback, fully managed.

Regulated & Trusted

Licensed by Lagos State Ministry of Commerce, Industry & Cooperatives. Reg. No. LSCS 18176.

From Lekki to your bank account in 12 months. RECB operates as a fully registered housing cooperative under the direct supervision of the Lagos State government.

Your contribution is protected by law, documented with a Deed of Agreement, and deployed exclusively into vetted real estate projects — never to personal accounts of any staff, agent, or associate.

Over 1,000 members have already completed the RECB cashback cycle. Whether you're contributing ₦1M or ₦1B, the process is identical: contribute, wait 12 months, get paid. Note: cooperative membership is subject to statutory limits — slots are regulated and limited.

Choose your cashback plan

Three contribution tiers. One promise — your money comes back bigger.

Starter

Buy to Resell

Buy to Resell — Starter

Lekki, Lagos

12 Months From ₦1M Land Allocated

Premium

Buy to Resell

Buy to Resell — Premium

Lekki, Lagos

12 Months From ₦101M Land Allocated

RECB Investment Properties

The prime Lagos estates your contributions are deployed into — all carrying Government Allocation title and vetted by Zylus Homes & Property Limited.

Selling

Chrystland Estate

St Augustine University, Ilara-Epe, Lagos

300 SQM 500 SQM

A thoughtfully planned community on the Lekki-Epe corridor, steps from St Augustine University. Close to the Lekki International Airport with fast-rising infrastructure and long-term appreciation potential.

Tiwa Garden City Phase II — Eleran Igbe, Lagos

Selling

Tiwa Garden Phase 2

Eleran Igbe Bus Stop, Lekki-Epe, Lagos

500 SQM

Smart-city living on the Lekki-Epe Expressway, adjacent to Tiwa Garden Phase 1 and the Tiwa Commercial Hub. One of Lagos' most strategically located estates with strong long-term value.

Selling

Arizone Estate

Eleko Community, Lekki-Epe Corridor, Lagos

300 SQM 500 SQM

Well-positioned residential land at Eleko Community, close to the Lekki International Airport, Dangote Refinery, and Lekki Free Trade Zone. Title verified at Land Registry, NTDA, and Surveyor General's Office.

Sold Out

Tiwa Commercial Hub

Aiyetoro, Lekki-Epe Expressway, Lagos

300 SQM 1,000 SQM

A premier commercial destination on the Ibeju-Lekki corridor — designed for tech hubs, office spaces, banks, hotels, cinemas, and warehouses. Positioned at the heart of the new Lagos alongside the Dangote Refinery and Lekki Free Trade Zone.

Sold Out

Tiwa Garden City

Aiyetoro, Lekki-Epe Expressway, Lagos

250 SQM 500 SQM

Nigeria's first smart entertainment city on the Lekki-Epe Expressway. Designed as a technology-driven residential community close to the Dangote Refinery, Lekki Free Trade Zone, and the new International Airport.

How It Works

Four straightforward steps from registration to receiving your cashback — paid directly into your bank account.

Register & Submit KYC

Complete the RECB membership form and submit your valid ID, passport photograph, and utility bill for KYC verification.

Fund Your Position

Transfer your contribution to the official GTBank cooperative account. Minimum ₦1M. No personal accounts accepted.

Receive Your Deed

Get your Deed of Agreement, payment receipt, and optional post-dated cheque confirming your property allocation.

Collect at Maturity

Your full capital plus cashback is deposited to your account within 24 hours of your maturity date. No delays.

Only pay to: REAL ESTATE CASHBACK COOPERATIVE · GTBank · 0696547068

Why Choose RECB

Five reasons over 3,000 members trust Real Estate CashBack with their contributions.

Security First

Licensed by Lagos State Ministry of Commerce, Industry & Cooperatives. Reg. No. LSCS 18176. All contributions are legally protected and deployed exclusively into vetted real estate.

Proven Track Record

Over ₦24 billion paid out to members across multiple completed cycles. No defaults, no delays. Every maturity payout processed within 24 hours.

Full Transparency

Every member receives a Deed of Agreement, payment receipt, and optional post-dated cheque. You know exactly what you own and when you get paid.

Flexible Entry

Start contributing from ₦1M with no set maximum. Scale your position across multiple cycles and tiers as your confidence and capital grows.

Professional Management

Every contribution is deployed through Zylus Homes & Property Limited — one of Lagos's most established developers — ensuring your funds are in expert hands.

Trusted by members,
proven at maturity

"I contributed ₦5 million through RECB and exactly 12 months later, my full capital plus cashback landed in my account. No delays, no chasing. I received my Deed of Agreement before I even started waiting, and the team called me two weeks before maturity to walk me through the payout. I've already rolled over into the next cycle as a continuing partner."

Chidinma A.

RECB Member since 2024 · Lagos

Questions answered before you ask

Everything you need to know about contributing, earning, and collecting your cashback with RECB.

Still have questions? Send us a message →

What exactly is Real Estate CashBack (RECB)?

RECB is a registered housing cooperative that pools member contributions to collectively acquire and resell prime Nigerian real estate. When the property is resold, every contributing member receives their full capital back plus cashback earnings — within 12 months. Managed by Real Estate CashBack Housing Cooperative Society Limited, a subsidiary of Zylus Group International.

How do I become a member?

Complete the RECB membership form (download above or request from our team), submit your valid ID, passport photograph, and utility bill for KYC, then make your contribution directly to the official GTBank cooperative account. You will receive your Deed of Agreement and receipt by email once confirmed.

What is the minimum and maximum contribution?

The minimum contribution is ₦1,000,000. Membership availability is subject to cooperative statutory limits — slots are regulated and limited. Cashback rates vary by contribution tier and are communicated directly at onboarding. Contact our team to confirm current availability.

Can I receive my cashback upfront before maturity?

Yes. You may choose to receive your cashback earnings upfront before the 12-month cycle ends. This option attracts a small reduction on the total cashback amount. Standard payment is at maturity, within 24 hours of the maturity date.

Can I exit before my 12-month cycle ends?

Yes. You may liquidate your position after 3 months. A 17% administrative charge applies after a formal exit request. The cooperative requires 21 days to transfer your position to another member before your capital is returned.

How safe is my contribution?

Contributions are deployed exclusively into real estate projects managed with Zylus Homes & Property Limited. All payments must go to the official GTBank cooperative account only — RECB never accepts payments to personal accounts. Licensed by Lagos State Ministry of Commerce, Industry & Cooperatives. Reg. No. LSCS 18176.

Is location a barrier to membership?

No. Anyone from any part of Nigeria or the world can become a member of RECB. The entire process — form submission, payment, and documentation — can be completed remotely.

What documents will I receive after contributing?

You will receive: (1) A Deed of Agreement with your property allocation details and contribution amount. (2) A payment receipt as proof of contribution. (3) Optionally, a post-dated cheque — request this in writing at the point of contribution and present at the bank on your maturity date.

Buy real estate today,
get your cashback tomorrow.

Turning shared contributions into shared cashback