• This is because you have exhausted your four withdrawal days in the year. 
• You can reset the withdrawal days following these steps;

Click on Vault Then the “Set a New Date” screen pops up for you to set a new withdrawal date. Choose any date you want Click Proceed

This is because you did not withdraw on the designated withdrawal dates. You can edit your withdrawal days by taking the following steps: Click on Vault Click on Easy Save settings Complete the form Click on Proceed Save settings Then the “Set a New Date” screen pops up for you to set a new withdrawal date

Bills Payment feature as the name implies is a feature that allows you to purchase airtime and pay internet bills at the convenience of your mobile phones on the Herconomy app.

Absolutely! You can view your payment/transaction history by clicking on the transaction history tab on your Float Account dashboard.

Log in to the Herconomy app, click on the “Float Button”, select a network provider and enter your mobile number. Your mobile number will be topped up instantly and you get a 2% cashback on every purchase added to your float account balance.

You can make airtime purchases and buy data bundles.

To get your statement of account, click “Accounts” and “Get Account statement”. Enter the dates of your choice and click on confirm. You will automatically get it in your email.

Yes, you can!

Log in to your plans dashboard and click on either Create a Plan or join plans and then follow through with the required steps involved. You can invite friends to join your public plan at any time.

3 months

Plans is a feature that helps you save consistently towards a particular financial goal. You can create a personal plan or a public plan or even join a public plan with multiple savers. You can save for your rent, vacation, education, Japa plans or even towards starting a new business and earn a whopping 9% interest while at it!

Payments to plans are made via the Float or Debit Card

Yes, you can. Simply log into your plans dashboard and select the 'Ongoing' option. Click on the plan you want to break and then 'Quick Actions' and then break the plan. Follow the steps provided and click on confirm. Funds will then be sent to your Float wallet, and you can withdraw them to your bank account. However, please note that if you break these funds before the maturity date, you will lose your accrued interest.

Go to your account. Select card and bank settings Select card settings and click on the bin icon

10% per annum on Vault 9% per annum on Plans 8% per annum on Float

Savers who do not want to earn interest on their savings can disable interest. To do this, simply log into your account, go to Account >> Turn on Zero Interest savings >> Click on Turn on and then save.

Interest is accrued daily on your balance and made available from the 1st of every month when you simply click on “Accrued Interest” on the vault and float and then click on “Claim interest”. Ps: All claimed interest from vault and float reflects in the float wallet.

You can automate your savings daily, weekly, or monthly.

Easy-save allows you to automate payments from your bank account to your vault Herconomy account.

Simply go to your Vault and select the turn-off button to stop your automatic savings.

Payments will be automatically deducted from the user's bank card (or flex wallet) and added to the Vault (Fixed Wallet).

We charge a N100 fee to verify that the card is still active, however, the N100 is paid into your Vault.

The card has expired. The card has been deactivated by the bank. The card issuer is having network issues, and you may be unable to receive OTP or complete the transaction. Please try again later if this occurs.

The provided BVN number is incorrect OR The BVN does not match your supplied Date of Birth OR You provided the incorrect last 4 digits of the linked phone number.

Your BVN is required to validate your identity and kick against identity theft. This ensures another level of safety for your funds and transactions.

To verify your BVN, you must provide the following: 1. Your BVN 2. Your date of birth 3. The last 4 digits of the number linked to your BVN If you can't provide all or if any of these details are incorrect, we will be unable to verify your BVN.

Bills Payment feature as the name implies is a feature that allows you to purchase airtime and pay internet bills at the convenience of your mobile phones on the Herconomy app.

Absolutely! You can view your payment/transaction history by clicking on the transaction history tab on your Float Account dashboard.

Log in to the Herconomy app, click on the “Float Button”, select a network provider and enter your mobile number. Your mobile number will be topped up instantly and you get a 2% cashback on every purchase added to your float account balance.

You can make airtime purchases and buy data bundles.

Users get to earn 2% cash back on every airtime and data purchase made.

Yes, you can have a single or even multiple accountability partners. It depends on what you want.

An accountability partner is someone who encourages you on your saving journey and ensures that you’re meeting your saving goals.

No, everything is done automatically once you have added your debit card to the app and set up your “Easy-save”, except if you want to top up your savings using the “Add funds” option. You will also get an email receipt every single time you get debited to your Easy-save(vault) and your bank will send you an alert as well.

Vault is a feature that helps you build financial discipline by allowing you to save any amount daily, weekly, or monthly automatically. You also have the option to save manually. Vault helps you reach your financial goals with ease. With 10% interest p.a., daily interest, and automatic savings options, you’ll be on your way to financial freedom in no time.

This option basically enables you to add more funds to your savings. For example, if you miss a day or two of your savings, you can use the “Add funds” option to deposit any amount at once. This is to ensure you meet your savings target.

No, you can’t. Simply withdraw from your vault to your float wallet and then to your bank account from the float.

There are 4 free set withdrawal days which are quarterly fixed and 1 adjustable withdrawal day. If you decide to set your own adjustable withdrawal date, the next available FREE date will be exactly 3 months from your last free withdrawal day. Ps: Any withdrawal made outside these 5 days will attract a 2% breaking fee of the withdrawal amount.

No, you can't! You can only withdraw to your bank account. This must be the same name as your Herconomy account name.

Not at the moment. We’re constantly working to add new features to our apps.

Simply click on "Send Money" on the float feature and then select the “make a transfer” option, input the recipient’s phone number, and click on Proceed to transfer funds to another Herconomy saver.

To fund your Float wallet, simply click on “Account number” to get your static Float account number. Once this is done, log into your banking app, input this account number in the required field, and proceed with a transfer.