Banking Beyond Boundaries
GROW YOUR WEALTH

Smart Savings Solutions

Maximize your savings with Cidapay's high-yield savings plans and investment options. Earn up to 10% annual interest and reach your financial goals faster.

Explore Plans Calculate Earnings
Cidapay Savings

Choose Your Savings Plan

We offer flexible savings options to match your financial goals, whether you're saving for short-term needs or long-term wealth building.

Basic Savings

5%
per annum
  • No minimum balance
  • Withdraw anytime
  • Daily interest calculation
  • Monthly compounding
  • Free transfers to Cidapay accounts
Start Saving
MOST POPULAR

Fixed Deposit

8%
90-day term
  • Minimum ₦10,000 deposit
  • Higher interest rates
  • Flexible terms (30-365 days)
  • Interest paid at maturity
  • Early withdrawal penalty applies
Open Fixed Deposit

Goal-Based Savings

7%
+ bonuses
  • Save for specific goals
  • Automated savings rules
  • Round-up spare change
  • Progress tracking
  • Bonus interest for targets met
Set Savings Goal

Why Save With Cidapay?

Our savings products are designed to help you build wealth with security, flexibility, and competitive returns.

Competitive Rates

Earn up to 10% annual interest on your savings, significantly higher than traditional banks.

Full Protection

Your savings are protected and insured. We implement bank-level security for all transactions.

Instant Access

Withdraw your funds anytime with our basic savings plan. No long waiting periods.

Automated Savings

Set up automatic transfers and round-up rules to save without thinking about it.

Growth Tracking

Visualize your savings growth with interactive charts and progress indicators.

No Hidden Fees

Save with confidence knowing there are no maintenance fees or hidden charges.

Watch Your Savings Grow

With Cidapay's high-yield savings, your money works harder for you. See how your savings can grow over time with compound interest.

Monthly Savings Goal: ₦50,000

₦0 ₦32,500 ₦50,000

Annual Target: ₦600,000

₦0 ₦252,000 ₦600,000

Interest Calculator

0
Active Savers
0
Billion Naira Saved
0
Average Interest Rate
0
Savings Goals Achieved

Start Saving in Simple Steps

Getting started with Cidapay savings is quick and easy. Follow these simple steps to begin growing your wealth.

1

Open a Cidapay Account

Download the app and complete your registration in minutes with just your phone number and BVN.

2

Choose Your Savings Plan

Select from basic savings, fixed deposits, or goal-based savings based on your financial objectives.

3

Fund Your Account

Transfer money from your bank or add funds with your card. Set up automatic transfers for consistent savings.

4

Watch Your Money Grow

Track your savings growth in real-time and enjoy competitive interest on your deposits.

Savings Growth

Savings Questions?

Find answers to common questions about Cidapay savings accounts and how to maximize your returns.

Need more help?
support@cidapay.com

Interest on basic savings is calculated daily and paid monthly. For fixed deposits, interest is paid at maturity. Goal-based savings earn interest monthly with potential bonuses when you reach your targets.

Our basic savings account has no minimum balance requirement. Fixed deposits require a minimum of ₦10,000. Goal-based savings can be started with any amount.

Yes, with our basic savings account, you can withdraw your funds at any time. For fixed deposits, early withdrawals may incur a penalty. Goal-based savings allow withdrawals but may affect bonus interest eligibility.

Your savings are protected with bank-level security measures. We use 256-bit encryption and partner with licensed financial institutions to hold deposits. Additionally, we implement multi-factor authentication and real-time fraud monitoring.

No hidden fees. We're transparent about all costs. There are no maintenance fees for savings accounts. The only potential fees are for early withdrawal from fixed deposits or international transfers, which are clearly disclosed upfront.

Start Your Savings Journey Today

Join thousands of Nigerians who are building wealth with Cidapay's high-yield savings accounts.

Open Savings Account Contact Support