Savings App in Nigeria — Save Online and Earn Interest
Put money aside on purpose, and let it grow until maturity.
Money that stays in a spending balance tends to get spent. Savings plans put it somewhere deliberate, for a set period, with the interest rate shown before you commit.
Choose a plan and a term, fund it from your wallet, and watch the plan grow in the app. When the term ends, the money matures and returns to your wallet with the interest it earned.
If saving a lump sum is not realistic, auto-save puts a set amount aside from your wallet on a schedule, so the habit builds itself.
How saving works here
Fixed savings plans
Choose a plan, choose a term, and lock an amount you can afford to leave alone.
Interest you can see
The interest rate for a plan is displayed before you confirm, so the return is clear up front.
Maturity to your wallet
When the term ends, the amount plus the interest earned is paid back into your wallet balance.
Auto-save
Set an amount to be put aside automatically, so you save without thinking about it each time.
Track every plan
Active, matured and withdrawn plans are listed with their dates, amounts and interest.
Paid from your wallet
Savings are funded from the same balance you use for bills, transfers and card spending.
How it works
- 1Open Savings and choose the plan and term that fit what you are saving for.
- 2Enter the amount you want to save and review the interest rate and maturity date.
- 3Confirm the amount you are locking away.
- 4Watch the plan in your savings list while the term runs.
- 5At maturity, the balance and interest return to your wallet.
Why use InspireMe Pay for this
Available across Nigeria
Customers across Nigeria — in Lagos, Abuja, Port Harcourt, Kano, Ibadan, Enugu and beyond — use savings plans for rent, school fees, equipment, travel and the rainy day that always comes.
More ways to use your wallet
Pay bills online →
Electricity tokens, TV, internet, airtime and data from one wallet.
Airtime to cash →
Convert MTN, Airtel, Glo and 9mobile airtime into spendable funds.
QR payments →
Scan and pay as a customer, or collect payments as a merchant.
Send money →
Bank transfers, wallet-to-wallet payments and a virtual account to receive on.
Virtual & physical cards →
Naira and Dollar virtual cards, plus physical debit cards you can carry.
International accounts →
USD, EUR and GBP accounts, plus cross-border payments for Nigeria.
Investments →
Investment plans, portfolio tracking and IPO subscriptions.
Loans →
Short-term loans from your wallet, subject to eligibility.
WhatsApp banking →
Send money, buy airtime and pay bills by chatting on WhatsApp.
USSD banking →
Check balance, send money and pay bills without internet.
Voice banking →
Pay bills and send money by speaking, in four Nigerian languages.
Airtime & data →
Instant recharge and data bundles on all four major networks.
Live metering →
Buy prepaid tokens and monitor your meter balance live.
Flight booking →
Search and book local and international flights from your wallet.
Event tickets →
Buy tickets for concerts, shows and events, paid from your wallet.
Merchant payments →
QR collections, inventory, sales reports and staff access for SMEs.
Languages →
Use the wallet in English, Yoruba, Hausa or Igbo.
See everything →
All InspireMe Pay services, channels and security features.
Frequently asked questions
How does savings work on InspireMe Pay?
You choose a savings plan and a term, enter the amount you want to save, review the interest rate and maturity date, and confirm. The amount is locked for the term and, at maturity, it returns to your wallet along with the interest earned.
What interest rate will I get?
Each plan carries its own rate for the term you choose, and that rate is displayed on the plan before you confirm. Nothing is locked away without the rate being visible first.
Can I withdraw before the plan matures?
Savings plans are designed to be held for their term. When the term ends the funds are released back to your wallet, and the app shows the maturity date on every plan so you always know when your money is due.
What is auto-save?
Auto-save sets money aside from your wallet on a schedule you choose, without you having to start each savings transaction manually. It is the simplest way to save consistently, and you can see the records of every automatic save in the app.
Can I run more than one savings plan?
Yes. You can hold several plans at once — for example one for rent and another for school fees — and each is tracked separately with its own amount, term and maturity date.
Start with your wallet
Create a free InspireMe Pay account, fund your wallet, and use it from the app, WhatsApp, USSD or by voice.