Save like you mean it.
A target, a date, and a rhythm. That is the whole formula. KoBank Save makes it disappear into the background so the goal can show up in real life.
Personal goals
Name it. Date it. Hit it.
Every goal in KoBank has a name, a target, and a date. The app calculates the monthly amount you need, sets an auto-debit on payday, and then mostly leaves you alone, quietly nudging if you fall behind and quietly celebrating when you finish.
- Up to 12 active goals at once
- Auto-debit from any Nigerian bank
- Round-ups on every card swipe
- Pause without penalty, life happens
Goals
4 active · saving ₦82,000 / month
House deposit
Nov 2026 · 11 months
₦3.2M / ₦5M
Hajj 2027
18 months
₦780K / ₦1M
Tomi school fees
Sept 2026
₦465K / ₦1.5M
Curated by KoBank
December wealth cohort
Monthly contributions stay on the plan until the shared maturity date.
Matures
31 Dec
Schedule
Monthly
Terms
Shown first
Status
Illustrative
Tomi
₦25K/mo
Ada
₦50K/mo
Sade
₦30K/mo
Kunle
₦25K/mo
Projected payout
According to final terms
This concept view is illustrative. Any live payout calculation will be explained in the plan terms.
Group savings
Monthly together. Paid at maturity.
KoBank is designed to support fixed-term group plans rather than rotating pots. Each live plan will show its contribution schedule, maturity date, access rules, and payout terms before anyone joins.
- Monthly contribution debited on the 1st
- Choose any amount above the plan minimum
- Auto-debit can be turned off for manual reminders
- Payout terms disclosed before joining
Interest, simply
How your money actually grows.
No jargon. Every live savings product will show its access rules, fees, tenor, and any applicable return before you confirm.
Illustrative goal progress
12 months
A steady contribution rhythm
Example only
not a live offer
Contributions toward a goal
Three knobs. Pick yours.
Choose the structure that fits your timeline. A live product may be flexible or locked, and its access and maturity rules will be stated plainly.
These examples explain product mechanics, not currently available rates or offers. Final terms will always appear before confirmation.
Flexible
Flexible savings
Organise accessible savings around a goal while keeping the applicable product terms visible.
- Goal tracking
- Contribution history
- Terms shown before confirmation
90 days
Short-term lock
Set money aside for a defined period when consistency matters more than immediate access.
- Clear maturity date
- Withdrawal rules shown first
- Optional renewal where available
180 days
Longer-term lock
Plan for a later expense with the tenor, access rules, and any return disclosed before confirmation.
- Defined tenor
- Maturity tracking
- No implied or guaranteed return
Good questions
About saving with KoBank.
What happens if I miss a scheduled contribution?+
The applicable retry, pause, and catch-up rules will be shown before scheduled contributions are enabled for a live product.
How does group savings work?+
A live group plan will show its schedule, minimum contribution, maturity date, access rules, and payout terms before you join.
Are my savings insured?+
Whether deposit insurance applies depends on the licensed institution and product structure. KoBank will identify the provider and state the applicable protection before a live savings product is used. Investments are not bank deposits.
Can I leave a group plan before maturity?+
You can stop future monthly debits. Already-paid contributions remain on the plan until maturity unless KoBank supports a refund action for that plan.
Coming soon
Be ready from day one.
Join the KoBank waitlist for launch news and a first look at what we are building.
Join waitlist