OUR PRODUCTS & SERVICES

DAILY SAVE-UP

Daily Save-Up is simply the day to day money savings done by an individual with a minimum of N100 and a maximum of N500 collected by SAVINGS KULTURE and deposited in a special bank account that will opened for a client upon registration.

In Daily Save-Up, clients cannot save an amount of money lower than the starting balance. This means that if Mr A starts his daily savings with N200 per day, Mr A will not be able to save lower than that per day but can save higher than N200 but in it's multiples (e.g N400, N600, N800 etc).

In a situation whereby a client decides to save more than his or her daily start-up amount, the money is then divided and recorded for the clients in the days ahead.

Example:
If Mr A starts his Daily Save-Up with N100 on Monday but decided to pay N200 on Tuesday then the N200 will be split into two and then be recorded in Mr A's account showing that he has paid for a day ahead. This implies that Mr A has paid for Tuesday and Wednesday.

If this occurs regularly, a client will complete and exceed his or her monthly target which is a plus on the client's part.

SERVICE CHARGE
Savings Kulture takes a service charge of the first daily savings of each month. This means that if a client decides to save N100 per day for a month, our service charge is just a N100 for the rest of the days of that month.

Further Illustration.

Daily Save-Up ==> N100
Total Month Savings ==> N3100 (For a month with 31days)
Service Charge ==> N100
Balance ==> N3000
   

Remember that little drops of water make an ocean and a journey of a thousand miles begins with a step.
Take that bold step, save today and smile tomorrow.

NOTE: 
(A) 
ALL PAYMENTS MUST BE CONFIRMED BY ALL THE CLIENTS AT THE END OF THE DAY JUST TO MAKE SURE THAT YPUR MONEY WAS RECEIVED AND RECORDED ACCORDINGLY INTO CLIENTS ACCOUNTS.

(B) 
CLIENTS SAVINGS WILL BE DEPOSITED INTO THEIR BANK ACCOUNTS ON FRIDAYS.

AIRTIME2CASH

 AIRTIME2CASH is a special service we render to clients. This allows a client to exchange a mobile phone airtime (MTN, GLO, AIRTEL & ETISALAT) for cash which is then saved for the client with respect to the amount the client is willing to save. 

How It Works

1. Airtime Sharing

If a client recharges his or her with an airtime of N1000 then decided later to save a part of it, the client can share that airtime with SAVINGS KULTURE through the AIRTIME2CASH platform, which will be turned into money and saved into the client's account.

2. DIRECT PIN RECHARGE (DPR).

Thia allows a client to send mobile airtime pin to us SAVINGS KULTURE, we recharge it and save it for the client depending on that amount the client wants to save. 

NOTE: 

(a). Clients should notify us either via call, text or WhatsApp few seconds before sending airtime pin or sharing airtime with us.

(b). Sending and Sharing of airtime must be confirmed immediately after transfer by our Admin who will always ask you for your code. ( This is for security purpose).

(c) All transfers must be done through 07065444134 alone.

TURN D TORN

This allows the general public or our clients get instant exchange for their turn money so as to allow them perform their desired transactions. 

This service is free for our clients but attracts a little exchange fee of 10% for others.

Our clients can also save their turn money through Daily Save-Up.