Save smart.
Reach your goals.

SaveMoni helps you build wealth on your terms - set targets, automate contributions, earn up to 10% commission, and grow with friends through group savings circles.

Open an Account See How It Works
47,200+ Active savers
₦8.6B+ Total saved
4.8 App rating
SaveMoni app showing wallet balance and savings plans
47,200+ savers
CBN-regulated partner
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Features

Everything you need to save, grow, and protect your money

From automated personal savings to collaborative group circles, SaveMoni gives you the tools to build wealth - your way.

Smart Savings Plans

Set a target, choose your frequency - daily, weekly, or monthly - and let SaveMoni handle the rest. Pause anytime without losing your progress. Hit your goal or complete the duration and withdraw with commission earned.

Group Savings Circles

Create a savings circle with up to 50 members - friends, family, or colleagues. Everyone contributes a fixed amount on schedule. The pooled funds rotate or unlock at the end. Multi-signature withdrawal keeps everyone accountable.

Earn Up to 10% Commission

The longer you save, the more you earn. Save for 30 days and earn 2%. Save for a full year and earn 10% commission on your savings. Rates are locked in at plan creation - no surprises.

Fund Your Way

Add money via debit card, bank transfer, or your dedicated virtual account number. Every SaveMoni user gets a unique account - just transfer to it from any bank app and your wallet updates instantly.

Bank-Level Security

Your funds are held in segregated accounts with a CBN-regulated partner bank. End-to-end encryption, PIN-protected transactions, and two-tier KYC verification keep your money and identity safe at every step.

How it works

Start saving in four steps

Getting started takes less than two minutes. No paperwork, no branch visits.

Sign up

Enter your phone number, verify with a one-time code, and create your SaveMoni account. No email required.

Verify your identity

Complete a quick KYC check with your BVN, NIN, or driver's license. This unlocks your full transaction limits.

Fund your wallet

Add money with your card, a bank transfer, or by sending to your unique virtual account number.

Start saving

Create a savings plan, set your target and frequency, and let auto-debit do the work. Watch your balance grow.

Security & Compliance

Your money is protected at every level

SaveMoni operates in partnership with CBN-licensed financial institutions. We follow industry-standard security practices to safeguard your funds and personal data.

256-bit TLS encryption on all data in transit
User funds held in segregated accounts - never mixed with operational funds
CBN-compliant KYC tiers aligned with Nigeria's tiered identity verification framework
PIN-protected transactions with automatic lockout after failed attempts
Real-time fraud monitoring and suspicious activity detection
What people say

Real savers, real results

"I started saving ₦500 daily in January. By June I had saved ₦92,000 and earned ₦4,600 in commission. The auto-debit means I don't even think about it - it just works. I've already recommended it to everyone at work."

AO
Adaeze Okafor
Product designer, Lagos

"Our church savings group moved from WhatsApp spreadsheets to SaveMoni. Sixteen of us contribute ₦10,000 monthly. The transparency is the best part - everyone can see the pool and track contributions in real time."

KE
Kunle Eze
Small business owner, Abuja

"I used to keep savings under my mattress. My sister told me about SaveMoni and I've saved ₦2.3M in eight months. The virtual account number made it easy - I just transfer from my bank app every Friday."

FN
Fatima Nasir
Nurse, Kano
Why SaveMoni

Not just another savings app

See what sets SaveMoni apart from traditional savings methods and other apps.

Feature SaveMoni Traditional Bank Savings Apps
Commission on savings
Group savings circles
Auto-debit contributions
Dedicated virtual account
Transparent progress tracking
Multi-signature group withdrawals
No minimum balance required
FAQ

Common questions

Yes. Your funds are held in segregated accounts with a CBN-licensed partner bank - they are never mixed with SaveMoni's operational funds. All transactions are protected with end-to-end encryption and PIN verification.
KYC (Know Your Customer) is a regulatory requirement for identity verification. You'll need to verify with your BVN, NIN, or driver's license and complete a facial check. This unlocks your full transaction limits and is required before you can save or transact.
An owner creates a group and shares a unique invite code. Members join and contribute a fixed amount on a set schedule. The pooled funds are tracked transparently. Withdrawals require multi-signature approval from at least two members, keeping everyone accountable.
You earn commission based on how long your savings are locked. Save for 30–59 days and earn 2%. Save for a full year and earn 10%. Commission is calculated using a weighted average formula and is locked in at plan creation. You can only withdraw once your goal is reached or duration completes.
Once your savings plan goal is reached or its duration completes, you can withdraw to your linked bank account. Go to your wallet, tap "Withdraw," enter the amount, and select your bank. Withdrawals are typically processed within 24 hours on business days.
If an auto-debit fails due to insufficient funds, you'll receive a notification. You can manually top up your wallet and make the contribution at any time before the next scheduled date. Your savings plan stays active - you won't lose progress.
Get started today

Start saving smarter - download the app

Available on Android and iOS. Set up your account in under two minutes.

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