For students & first-timers
Your first real money app.
No paperwork. No appointments. No "please bring two passport photos." Open an account between lectures, start saving for the things that matter.
I saved my first ₦100k by Friday-locking ₦4,000 every week. The app made it impossible to be lazy about it.
What you get
Tools that match how you actually work.
Open in 60 seconds
Just BVN and a selfie. No utility bill required.
Goal-based savings
Lock it for a laptop, lock it for jersey week, lock it for fees.
Student-friendly card
Free virtual card. Physical card at half the standard fee with .edu email.
Money lessons
Weekly bite-sized lessons inside the app. No jargon.
Split with friends
Split rent, food, fuel, and pepper soup with one tap.
Spending guardrails
Optional weekly budgets and merchant blocks for the things you swear you won't buy.
Get started
Ready to move money like a doer?
Join 2,400+ on the waitlist. Be first in line when Pady opens its doors.