Give your money
a job.
A budget with pockets for rent, food and everything else. Spend from the right pocket and let Coach check before anything moves.
How it works
Set up in five minutes.
Runs itself after.
Three questions. Coach does the rest.
- 1
Tell Coach about your money
Income, payday, what you are here for. Two minutes.
- 2
Get a plan you can edit
Coach drafts pockets from your goals. Change anything.
- 3
Money lands, gets a job
Open a wallet or link your bank. Salary lands, Coach proposes the split, you confirm.
Pockets
A budget you can actually spend from.
Every pocket is a real balance in your wallet. Spend from Food and Food goes down.
- Salary lands, Coach proposes the split, you confirm
- Move money between pockets in one tap
- Rules: auto-pay DStv on the 12th, budget-checked
Pay bills
Nigeria first · other markets comingAirtime, data, DStv, NEPA. Paid from the right pocket.
Every biller you already use. Pick the pocket that pays, see the fee, then confirm with Face ID or your PIN.
- Airtime, data, TV and electricity tokens in-app
- Pick the pocket that pays, fee shown up front
- Meter token on your clipboard the moment it lands
Send · Pay nearby
Nigeria first · other markets comingPay anyone by their @tag. Or the person next to you.
Brenda to Brenda is free and instant. Type a tag, scan a code, or tap someone nearby. No account numbers.
- Claim your @tag and share your Brenda code
- Pay nearby over Bluetooth, with amount requests
- Any Nigerian bank too, from the same screen
Insights
See where every naira went.
Spending, cash flow and budget health on one screen. Compare any month with the last, and share it in a tap.
- Six months of cash flow, money in vs money out
- Budget health: which pockets are on track
- Where it went, category by category
Coach
Nudges with a one-tap fix. Not a lecture.
Coach watches bills, balances and pace. One sentence, one move, one tap.
- Bills flagged before the pocket runs short
- Declines explained with options, never shame
- Weekly wrap: what moved, what is next
Built for Nigeria. Built safe.
Your money sits in a licensed bank.
Brenda just gives it a job.
Brenda is the budget layer. Regulated partners hold the money.
Licensed partner bank
An account at a CBN-licensed bank. Brenda never holds your money.
BVN · PIN · Face ID
BVN identity, PIN on every payment, Face ID to open.
Tiers, in plain sight
Tier 1: ₦300k a day. Upgrade with NIN. Limits always shown.
Questions
Straight answers.
Still stuck? Chat with us in the app.
Is Brenda a bank?
No. Your wallet is an account at our CBN-licensed partner bank. Brenda is the budget layer on top.
What does it cost?
Opening a wallet and setting up pockets is free. Any payment fee is shown on the review screen before you enter your PIN. Coach is part of Brenda Pro.
Do I need a BVN?
Yes, to open a wallet. Tier 1 uses your BVN and a quick face check. Add your NIN later to raise your limits.
Can I use Brenda without a wallet?
Yes. Plan your pockets and track spending first, then open the wallet when you are ready to move money.
Which bills can I pay?
Airtime and data, TV subscriptions like DStv, and prepaid or postpaid electricity. Each one is paid from the pocket it belongs to.
What if I lose my phone?
Your money stays at the partner bank. Every payment needs your PIN, and you can sign in on a new phone with your email.
Give your money a job.
Open a free wallet and give every naira a pocket. Five minutes, before your next salary lands.