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.
Open an account between lectures with just a BVN and a selfie. Friday-lock ₦4,000 a week toward a laptop or fees, get a free virtual card (physical at half price with a .edu email) and pick up weekly, jargon-free money lessons inside the app.
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
Make more of your money
Pay with ease, save towards your goals, and manage your everyday money in one place. Open your Pady account and start today