Kopkad is a financial intelligence app. It shows you where your money goes and gives you the tools to grow it: Wealth Builder to plan every income, savings that earn interest, Locked Savings for your goals, expense tracking, Thrift groups, and free money lessons. Merchants and cooperatives run on Kopkad too.
A complete platform for cooperative societies — member wallets with personal account numbers, savings interest, contribution groups, loans, and an optional branded member portal. All in one place.
Every member gets a personal cooperative wallet with a 10-digit account number. Funded by bank transfer, earns interest at a rate you set.
Run rotating contribution groups (ajo/esusu). Mark contributions, track schedules, and credit payouts directly to member wallets.
Issue and track member loans with interest, repayment schedules, and a manager-controlled approval flow.
Also on the menu: custom branding, an AI-generated public website, analytics, and a directory listing. Pick only the services you need and pay the sum of their monthly prices — every cooperative gets a free yourname.kopkad.ng subdomain at signup. See it all on .
Track where your money goes, save before you spend, lock money for your goals, and learn the habits that build wealth, all in the app at app.kopkad.ng. Merchants and the agents who collect savings in the market run their business on the same app.
Shops, market traders, and transport operators (keke, danfo, ride-hailing) take payment straight from a customer's Kopkad wallet. The customer reads out a one-time SMS code, so they don't need a smartphone, data, or a card.
Charge Customer
Enter the customer's phone number and amount, then type the code they read out. Paid instantly. ₦50,000 or more also needs their security answer.
To Kopkad
Send money instantly to any Kopkad user by phone number, and see their name before you confirm.
To Bank
Pay out to any Nigerian bank account, protected by your transaction PIN.
One account, one QR
Print your QR sticker once. Anyone can pay you by bank transfer to your permanent account number, with no app needed.
Choose an amount, pick a lock period, and see exactly how much you will earn at maturity — before committing a single naira. Up to 20% per annum, rate locked at creation.
Fixed interest rate
Rate locked at creation — never changes for the term.
Returns calculator
See your projected earnings at maturity before you commit.
Flexible or Fixed Lock
Add money any time, or lock a one-off sum. 3, 6, 9 or 12-month terms.
Split every income into Living, Savings and Give before you spend, keep to a daily budget, and climb from Seed to Harvest as your savings grow.
Short money lessons, from paying yourself first to spotting Ponzi schemes, each paired with the tool that puts it into practice.
No commission to save. Your balance earns interest, accrued daily and credited monthly — up to 20% p.a. depending on how much and how long you save. Rate can change with notice; 10% withholding tax applies.
Lock money for 3–12 months at a fixed rate of up to 20% p.a., set at creation. Add money any time (Flexible Lock) or lock a one-off sum (Fixed Lock).
Log income and spending in seconds, see needs vs wants, and get your own income statement, cash flow and balance sheet.
Join a field agent's thrift group with a link: fixed contributions, a rotating payout schedule, and every slot paid by card, transfer or wallet.
Complete KYC to get your own permanent 10-digit account number. Top up from any bank app, withdraw to your bank any time.
Turn your phone into a POS with Kopkad Pay: charge customers, send to any Kopkad user, or pay out to any bank.
Pay a Kopkad merchant from your wallet by reading out a one-time SMS code. You don't need a smartphone, data or a card.
The core market savings workflow. Field agents register customers and mark their daily contributions in seconds, earning commission paid by Kopkad.
Print QR savings cards for members. Scan with any smartphone to instantly open their account.
Instant alerts when savings are marked, money lands in or leaves your wallet, or a payout is processed.
Most people save whatever is left at the end of the month, which is usually nothing. Wealth Builder turns that around: every income is split the moment it lands, so your savings come first and your spending has a clear limit.
Seed
Save 20%
Living · Savings · Give
70 · 20 · 10
Grow
Save 25%
Living · Savings · Give
60 · 25 · 15
Harvest
Save 30%
Living · Savings · Give
50 · 30 · 20
Plan
Pick a tier and see exactly how much of each income to save, give and live on. Unspent Give rolls into your emergency fund.
Track
Log income and spending in seconds, marking needs and wants, fixed and variable costs.
Budget
Your Living share becomes a daily spending limit, broken down by category.
Insights
Your savings rate, debt-to-income, emergency-fund months and full money statements, in clear charts.
Grow
Your next step, your financial-independence number and a tier ladder: earn more while living costs hold steady, and your savings rise to 50%.
Kopkad never locks your wallet: your savings share goes into your own savings plans. Investing lessons are for education only, not financial advice.
Free money lessons
21 short lessons, from paying yourself first to spotting Ponzi schemes. Read the key points on our blog, then sign up free for the full lessons and the Wealth Builder tools that put them into practice.
The pie: pay yourself first
Split every income into Living, Savings and Give — and choose your tier: Seed, Grow or Harvest.
Your emergency fund
From a small cash buffer to six months of living costs — your protection when life happens.
Cut costs, cut back, cut out
Three simple ways to reduce what you spend without making life miserable.
Savings marked today
1,240 transactions
Register customers, mark their daily savings, and get paid for it. Your commission is paid by Kopkad, never deducted from your customers' savings. From street-level ajo collectors to market traders, Kopkad works the way Nigerians actually save: in the community, face to face, one naira at a time.
Register customers
Sign up new customers on the spot, or share your referral code and link. Everyone you bring in joins your customer list.
Mark savings in seconds
Scan a customer's QR savings card and record their daily contribution. They get an alert straight away.
Earn commission, paid by Kopkad
Earn on the savings you mark, plus streak, milestone and referral bonuses. Kopkad pays you; your customers never pay commission.
Grow your rank
Climb the tiers from Starter to Champion, top the monthly leaderboard, and see which customers need a follow-up.
Run Thrift groups
Create ajo/esusu groups for the customers you register: fixed contributions, a rotating payout schedule, all tracked for you. You earn a share of the group commission.
Invite with one link
Share your group's join link. New people sign up straight into your group and onto your customer list.
Field agent tools come with every Kopkad merchant account.
Kopkad turns each habit into a simple tool. If you can use a smartphone, you can use Kopkad.
Track your income and spending and see your own money statements, so you know exactly where every naira goes.
Split every income with Wealth Builder, save before you spend, and lock money away for your goals, earning interest as you go.
Watch your savings rate, emergency fund and net worth grow, and learn the money habits that keep it growing.
From ajo operators to cooperative managers — stories from across Nigeria.
“I used to carry exercise books everywhere for 60+ customers. Kopkad replaced all that. Now I mark cards and take payment for my provisions from the same phone.”
Amaka O.
Thrift Operator · Lagos
“The cooperative platform is exactly what we needed. Members send money to their own account numbers and we see it land in real time. No more collecting cash manually at meetings.”
Chukwudi E.
Cooperative Manager · Enugu
“I top up my wallet straight from my bank app, pay at the shop with just an SMS code, and I have a Locked Savings plan growing for my daughter's education.”
Fatima B.
Personal Saver · Kano
It starts with knowing your money. Kopkad gives you the tools and the know-how to grow it, whether you're saving for yourself, running a shop, or managing a cooperative society.
The Kopkad app is free to use · No hidden charges
No commission on your savings — ever. Your balance earns interest.