Choose from 5 tailored savings plans designed for your lifestyle. From daily flexibility to high-yield locking, earn up to 20% ROI.
Trusted by 10,000+ Savers in Nigeria
Lock In higher returns
Give your bigger goals time to grow with 14% annual interest. Lock your money away for your chosen term and receive your savings plus interest at maturity.
Save on your own terms
Keep saving without committing to a full lock-up. Earn 12% annual interest, with access to one withdrawal every 30 days when you need some breathing room.
Saves itself, grows itself...
Make saving part of your routine with automatic contributions on your schedule. Earn 13% annual interest while building towards your goal, with your savings and interest paid at maturity.
Ready when life happens...
Give future expenses a dedicated savings pot, separate from everyday spending. Earn 13% annual interest, with one withdrawal every two months to balance steady saving with occasional access.
Save on your own terms
Build a cushion for the expenses you didn't see coming while earning 9% annual interest. Withdraw whenever you need to, with no withdrawal limits or penalties.
Ethical & Sharia ways
Put money aside for what matters while staying true to Islamic finance principles. Choose a goal-based savings term and build your savings without earning interest.
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You can start with ₦10,000 on Rainy Day. FlexiSave, SafeGuard, SmartSave and Halal Savings each require ₦50,000, while LockSave requires ₦100,000 to open a plan.
Rainy Day offers 9% per year, FlexiSave offers 12%, SafeGuard and SmartSave offer 13%, and LockSave offers 14%. Halal Savings is a non-interest plan. The amount you earn depends on your balance and how long your money stays in the plan.
Rainy Day allows unlimited withdrawals without an early-withdrawal penalty. FlexiSave allows one withdrawal every 30 days, while SafeGuard allows one every two months. LockSave, SmartSave and Halal Savings hold your money until the plan’s maturity date.
Rainy Day offers 1, 3, 6, 12, 18 or 24 months. FlexiSave offers 3, 6, 12, 18 or 24 months. SafeGuard, SmartSave, LockSave and Halal Savings offer 6, 12, 18 or 24 months.
Yes. SmartSave lets you save through scheduled contributions. You choose your contribution amount and an available schedule when setting up your plan. Your savings and interest are paid at maturity.
No. An annual rate applies to a full year. For example, ₦100,000 saved at 12% annual simple interest for three months would earn ₦3,000 before any applicable fees or taxes. If you add money at different times, each contribution earns for the period it stays in the plan.
Join thousands of Africans using Thamani to save with purpose, invest with confidence and build lasting wealth.
