Delight: Plan, spend and grow

Delight helps you take real control of your money through smart budgeting, voluntary spending locks, and automated payments. HOW IT WORKS Fund your wallet, allocate money to budgets, and spend with purpose. Every naira has a job. BUDGET YOUR WAY Create budgets for anything—groceries, transport, entertainment, savings. Set daily, weekly, or monthly periods. Get alerts before you overspend. Choose what happens to leftover money. LOCK YOUR SPENDING Our standout feature. Voluntarily lock your budget for a period you choose. Trying to save? Lock it. Tempted to overspend? Lock it until you're ready. Early unlock is available—with a penalty, because real commitment has consequences. Timed locks that release automatically Manual locks you control Recurring locks (e.g., lock weekdays, unlock weekends) SET SPENDING LIMITS Cap how much you spend per day or per transaction. Exceed your limit? You can proceed, but you'll pay a small penalty. It's friction that makes you think twice. AUTOMATE PAYMENTS Schedule recurring payments for bills and transfers. Airtime, electricity, subscriptions—paid on time, every time. Set reminders or require approval before each payment runs. PAY BILLS INSTANTLY Airtime & Data: MTN, Glo, Airtel, 9Mobile TV: DSTV, GOTV, Startimes, Showmax Electricity: All major providers Internet: Spectranet, Smile SHARE WITH FAMILY Give others access to spend from your budgets. Perfect for couples, parents, or roommates. You see every transaction and control access. SECURE Biometric login, transaction PIN, encrypted data, and funds held with our licensed banking partner.