On Google Play · iPhone beta on TestFlight

Know whatyou can spend,every day Spendek community member 1VerifiedSpendek community member 2VerifiedSpendek community member 3VerifiedSpendek community member 4Verified

Spendek brings every bank into one place, finds your bills, and works out one daily number you can trust: what is safe to spend after your commitments.

GET IT ONGoogle PlayIPHONE BETA ONTestFlight
  • Read-only bank link
  • Not a bank. Can't take money from your account

How it adds up

From every bank to one number.

Spendek dashboard with Safe to Spend, balance and commitments, and a card to turn on Gmail sync

How Spendek works

Every naira accounted for.

Your banks, your bills and your plans in one place, so the number you see each morning is one you can trust.

Safe to spend

One daily number you can trust.

Spendek takes your balance, sets aside your bills, savings and plans, and spreads the rest to payday. You see the amount, why it is that number, and what to do next.

Balance₦796,751
Bills, savings & plans₦331,429
Free to spend₦465,322

Spread over 7 days to payday: ₦66,475 a day.

  • Can I afford it?
  • Updated every day
  • Payday aware

Bills & subscriptions

Never miss a bill.

Spendek finds your regular payments and subscriptions on its own, shows what is due in the next seven days, and spots price rises. Not sure a payment is a bill? It asks.

₦186,261 every month, found on its own

  1. Mon
  2. TueDue
  3. Wed
  4. Thu
  5. FriDue
  6. Sat
  7. Sun

New: pay airtime, data, TV and electricity without leaving Spendek.

  • Found for you
  • Due in 7 days
  • Price-rise alerts
  • Pay in the app

Money check-up

Your plan, in two minutes.

Tell Spendek how you are paid, what comes in, what life costs and what matters most. A quick Money Check turns it into a plan that Safe to Spend follows.

  1. 01 How you're paid
  2. 02 Income and costs
  3. 03 What matters most

Transactions · powered by Mono

Every bank, sorted for you.

Link your banks once, read-only, or turn on Gmail sync so your bank alerts arrive on their own. Every payment comes in sorted. When life is messier than a category, you have the moves for it.

SplitOne withdrawal, several categories.
Cash walletWithdrawals counted when you spend them.
Self transferYour own accounts, never counted as spending.
ExcludeLeave a payment out of spending.

Budgets & goals

Budgets and goals that work.

See what is left in every budget at a glance, and what you can spend a day to stay on track. Point a payment at a budget, and save toward the things you want.

₦368k left · 5 budgets on track

Pay cycle recap

Your month, recapped.

What came in, what went out, what you kept, and where most of it went. Every pay cycle, compared with the one before.

SpentLast cycle
−26%This cycle
You kept₦80,862

26% less spent than last month

  • You kept
  • Where it went
  • Compared with last month

Auto-categorisation

Sorted before you look.

About 60% of your payments are sorted on their own, by a categorisation library our ML team built for Nigerian bank narrations. Not an AI's guess: a wrong category is worse than none, so it sorts only what it is sure of. The rest come to you five at a time, and every one you sort teaches Spendek.

  1. WEB/AIRTIME/MTN/0803…Airtime & Data
  2. POS PRINCE EBEANO LEKKIFood & Groceries
  3. UBER TRIP LAGOSTransport
  4. TRF TO ADEOLA O.You sort it
  5. POS 2049 LEKKI PHASE 1You sort it
01

Sorted on its own

About 60% of payments, matched to known merchants and purposes in your bank narration by our library.

02

Five at a time

The rest come in groups of five in the app. Your choice is final, and filing someone the same way twice teaches Spendek for next time.

Ajegunle, the first town in Money Moves03 · Money Moves

Or play your five

Sort the same groups of five as a game in the app, and build your own Lagos town from Ajegunle up.

Your money stays put

Your money stays in your bank.

Spendek is not a bank and does not hold your money. Your bank connection is read-only: we can see transactions and balances, and can never make a transfer from your account. That limit is enforced by your bank, not just by us.

Our partners

  • MonoBank connections by Mono
  • FlutterwavePayments by Flutterwave

Works with

  • Linx on WhatsApp
  • Bank alert sync

New · Together

Plan big goals together.

A trip, a wedding, a year's rent. Set the target, budget it line by line, and invite your partner. You each keep your own money in your own bank and see one plan: what's covered, who covered it, and what's left.

One shared plan
Flights, stay, food and fun, each with its own budget.
Who covered it
See what each of you has set aside or paid.
Counted for you
Paste a line's code, like TRIP-FLIGHTS, in your transfer note.
Only the goal is shared
Never your balance or your other transactions.
Together tab with two shared goals: Our trip and Our wedding
Our trip goal: ₦5m target, who has covered it, and budget lines for flights, stay and food with their codes

New · Ajo

Everyone pays in turn, everyone sees it.

Your group pays a fixed amount every round, and each round one person collects. You pay the person whose turn it is straight from your own bank. Spendek keeps the order and shows who has paid. It never holds the money.

Turns, agreed up front
Arrange the order yourself, or let Spendek draw it before you start.
Paid, and seen
Put the round code in your transfer note and Spendek matches it from your bank. The person collecting can confirm it too.
Counted in Safe to Spend
Your ajo dues are set aside, so your turn to pay is never a surprise.
Only the ajo is shared
Names, the order and who has paid. Never your balance or other transactions.

Linx · your money assistant

Talk to Linx, in the app or on WhatsApp.

Ask anything about your money. Linx answers from your own transactions: where it went, what Safe to Spend counted, which budgets need you, and a cautious forecast of what comes next.

  • “Where did my money go this month?”
  • “Explain my Safe to Spend.”
  • “Which subscriptions should I cancel?”
  • “Can I afford it?”
Linx on WhatsApp →
Ask Linx in the Spendek app, with suggested questions about spending, Safe to Spend and budgets
Pay as you go10 tokens = ₦1

New accounts start with 3,500 tokens. A reply uses 50.

₦

Pricing, without the plans

One naira.Ten Linx tokens.

The core app is free. Top up Linx only when you need more. No monthly plan, no subscription commitment.

Buy Linx tokens

Top up on the web with card, transfer or USSD. You can also buy tokens inside the app.

Try the math10 tokens / ₦1
You top up₦10,000Choose any amount
You receive100,000Linx tokens
Same rate, every time
₦2,500 → 25,000
₦10,000 → 100,000
₦35,000 → 350,000

Start free · No monthly plan · Top up when needed

The short version

Answers before you download.

The essentials about linking your bank, Safe to Spend, budgets, Linx and what it costs, without the fine-print maze.

Available nowGoogle Play · iPhone beta on TestFlight

Spendek is a personal finance app. It brings your bank transactions into one place, sorts them into categories, and helps you set budgets so you know what you have left to spend. Categories show where your money went. Budgets show what you have left.

Starting today

Every bank in one place, bills found for you, budgets and goals that work, and one daily number you can trust.

GET IT ONGoogle PlayIPHONE BETA ONTestFlight