The pot you can always reach.
Money you might need this month, growing quietly until you do. Put in ₦1,000 tonight and it starts earning tonight. Ask for it on a Tuesday and it is back in your wallet on Tuesday.
13% a year · interest every single day · no fee to take it out
For the weeks that do not ask permission.
You already know the feeling. This is the money that answers, so you never have to.
The generator picks a Sunday
Never a Monday, never when the shops are open. You get it fixed the same day, and you are not borrowing to do it.
School fees arrive early
The letter always comes sooner than the money was supposed to. Here it is already waiting, and it grew while it waited.
Somebody at home calls
And it is not for greetings. You can say yes without it costing you the rest of your month.
It works every day, including the ones you forget about.
Whatever is sitting there at the end of the day earns a day of interest. Sundays, public holidays, the day you were too busy to think about money.
On the 1st of each month, that month's interest joins your balance. From then on it earns too, which is the quiet part that does the heavy lifting over a year.
Take money out on the 15th and the first fifteen days still count. Days you were saving are days you were saving.
So what would yours come to?
Put in what you could actually manage each month, not what you wish you could. The sum below is the same one above, run on your figure.
Every day it sits there it earns, and on the 1st of each month that interest joins the balance and starts earning too. Take any of it out whenever you need it. The days it was there still count.
Most people do not find this money by giving up something big. They find it in the deliveries they stopped ordering, the subscription nobody was watching, and the transfers they used to make without thinking. It adds up quietly, which is exactly how it earns.
Flexible Savings starts at ₦1,000, so we have counted ₦1,000.
12 saves of ₦20,000.00, earning every day and compounding on the 1st of each month.
Real days in each real month, at 13% a year, counting each save from the start of its month. It assumes you keep saving the same amount and leave it to compound. Take some out and you simply earn on what is left.
That is not a promise, it is arithmetic. It starts the night your first ₦1,000 lands.
Start from ₦1,000Ada's November, to the kobo.
Ada teaches in Surulere. On the 10th her generator packed up and ₦45,000 was in her Wallet the same afternoon. Here is exactly what the month still earned her, and why.
| Days in November | Balance at the end of each day | The sum | It earned |
|---|---|---|---|
| 1 to 9 November, 9 days | ₦186,240.50 | ₦186,240.50 × 13% × 9 ÷ 365 | ₦596.99 |
| 10 to 30 November, 21 days | ₦141,240.50after the ₦45,000 came out | ₦141,240.50 × 13% × 21 ÷ 365 | ₦1,056.40 |
| Landed on 1 December | ₦1,653.39 | ||
Kept to eight decimal places and rounded once, to the kobo. Money that settles by 11:59pm Lagos time counts that day.
And Tunde, who never thinks about it at all. His work pays in bursts, so he put ₦50,000 in and set Autosave at ₦10,000 every Friday. The habit happens whether or not he remembers it, which is the whole trick.
Ada did nothing clever. She left it where it could earn, and took it out the day she needed it.
Start from ₦1,000The money is already sitting there, waiting for you.
Promising same day access only means something if the cash is ready. At least a fifth of everything held in Flexible Savings is kept instantly available, all the time, so your withdrawal never waits for anything to mature.
Our finance team checks it against real withdrawals every week, and tops it up early rather than late.
of every naira in Flexible Savings, kept instantly available, at all times.
On ₦50,000,000 held, at least ₦10,000,000 sits ready and waiting.
Everything, in plain words.
No small print hiding at the bottom, because there is nothing we would rather you found out later.
Start small, stay small if you like
₦1,000 is enough, by hand or with Autosave. There is no maximum and no pressure to reach one.
13% a year, worked out every day
On whatever is sitting there at the end of each day, weekends and holidays included.
It lands on the 1st, then it earns too
The month's interest joins your balance and from then on it works like any other naira.
Yours on any day you ask
Into your Wallet the same day, no fee and no PIN, because it never left Moneywise.
What it earned is yours, even when it leaves
Money you take out keeps every naira of interest it had already earned.
Give it a name and a date
One naira, one goal. We work out the monthly amount, counting only money you have actually put in.
You hear it from us first
If the rate ever changes, by email and in the app, before the date. What you earned never changes.
A fifth is always sitting ready
At least 20% of all balances kept instantly available, so same day really means same day.
What it costs to put money in. From your Wallet, nothing. By bank transfer, ₦5 per ₦1,000 and never more than ₦300. By Autosave, 1%, at least ₦100 and at most ₦1,000.
Where your money sits. Held by our licensed partner. From your Wallet to your bank is free, and instant on most banks.
Things people ask us.
What is Flexible Savings?
It is the rainy day pot you can always reach. It suits an emergency fund, money you may need at any time, and money you are saving monthly towards a date.
How much does Flexible Savings earn?
It earns 13% a year. As an example, ₦100,000 left for 30 days earns ₦1,068.49, worked out as ₦100,000 × 13% × 30 ÷ 365.
How much do I need to start?
You can add money by hand from ₦1,000. If you set up an Autosave, each Autosave is at least ₦10,000.
When is my interest added?
Interest is worked out every day and added to your balance once a month. From then, that interest earns too, so your money grows on itself.
Can I take my money out whenever I like?
Yes. Withdraw any day and it reaches your Wallet the same day. If a generator packs up on a Tuesday, the money is there on Tuesday.
What happens to my interest if I withdraw?
You keep the interest you have already earned. It is added at your next monthly credit.
Can the rate change?
Yes, the rate on Flexible Savings can change. If it does, we email every saver and tell you in the app first, and the interest you have already earned never changes.
What is Autosave?
Autosave moves money for you on the day you choose, daily, weekly or monthly. It can feed Flexible Savings or the December Plan, and you can pause or stop it at any time. It never feeds a WiseLock.
Can I save for a goal here?
Yes. You can set a goal when you start through Goal first, or add one later. One naira has one goal, so every naira knows its job.
No question matches that. Try a shorter word, or ask us directly.
₦1,000 tonight is how it starts.
Nobody becomes financially free in one brave month. They do it in one ordinary one, repeated until it stops feeling like effort.
Scan it, or pick your store