Financial Control for Every Family

Connected &Controlled Finance,Simplified Spendek community member 1VerifiedSpendek community member 2VerifiedSpendek community member 3VerifiedSpendek community member 4Verified

Spendek empowers families, organizations, and guardians to manage finances, control spending, and monitor dependent accounts with bank-level security.

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YOUR MONEY, AT A GLANCE

Everything happening with your money. One clear view.

See account balances, inflow, outflow, spending patterns and envelope progress without jumping between apps.

ONE DASHBOARD. ZERO GUESSWORK.

Live accounts  •  Cash flow  •  Spending  •  Envelopes

Spendek dashboard showing linked accounts, cash flow, alerts and envelope progress
Spendek transactions screen with a connected account status powered by Mono

POWERED BY MONO

Connect once. Stay current.

Securely link your bank accounts and let Spendek keep the picture fresh balances, inflow, outflow and transactions included.

  1. 01 CONNECT YOUR BANK
  2. 02 SPENDEK ORGANISES THE DATA
  3. 03 YOU SEE WHAT TO DO NEXT

BUDGET ENVELOPES

Give every naira a job.

Turn plans into practical limits. Create envelopes by category, choose custom spending periods and repeat the budgets that keep life moving.

FLEXIBLE BY DESIGN

Daily  •  Weekly  •  Monthly  •  Custom

Category limits  •  Recurring budgets

Spendek Budget Envelopes screen with a food and groceries spending limit

LINX  •  AVAILABLE AT LAUNCH

Ask your money anything.

Linx turns your live financial picture into clear answers, practical limits and next steps you can act on.

PAY AS YOU GO10 tokens = ₦1

Start free. Top up only when you need more.

Two Ask Linx screens showing a financial prompt and an AI-generated budget response
Spendek family account screen showing linked dependant profiles and their budget progress

FAMILY ACCOUNTS

Money works better together.

Link dependants, assign budgets and see progress in one place, so support comes with clarity, not constant checking in.

CONTROL WITHOUT THE FRICTION

Linked balances  •  Budget progress

Clear oversight  •  Shared confidence

PRICING, WITHOUT THE PLANS

One naira.Ten Linx tokens.

Start free. Top up only when you need more Linx. No monthly plan, no subscription commitment.

START FREE  •  TOP UP ANYTIME
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

Buy Linx tokens

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

START FREE   •   NO MONTHLY PLAN   •   TOP UP WHEN NEEDED

THE SHORT VERSION

Answers before you download.

The essentials about connected accounts, budgets, Linx and launch without the fine-print maze.

LAUNCH STATUSGoogle Play + Apple App Store at launch

Spendek brings connected accounts, spending, budgets, family oversight and Linx guidance into one clear financial view.

Your clearer financial life starts here.

Connected accounts, smarter budgets and Linx guidance. Join the waitlist and we will tell you the moment it opens.

Be the first to try it
Spendek family account overview on a phone