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Track spending, save toward goals, and contribute in groups
Zairaa
A mobile banking app for Nigerians to budget with Spend Plans, save with goals and a Tank, track spending with Weekly Insights, and make transfers and payments.
Zairaa Product Overview
Is Zairaa Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian personal budgets
- Goal-based savers
What It Does Well
- Spend plans budgeting
- Savings goals
Things to Check
- Bank account linking
- Transfer fees and limits
About Zairaa
Zairaa is a mobile banking and budgeting app for Nigerians who want to plan monthly spending, build savings, and track where their money goes.
Key features include:
- Spend Plan to guide how money moves each month and help users stay on track with their budget
- Buckets to set money aside for specific categories such as shopping, utilities, electricity, gym, and transport
- FreeCash to show how much discretionary money is left to spend
- Weekly Insights (weekly reports) that highlight spending patterns, what changed, and possible adjustments
- Smart Savings with Goals and a Tank for reserves that “grows steadily” and remains accessible without penalties
- Transfers, payments, and bills for everyday transactions
Available on Web (for Businesses), iOS and Android.
Built for B2C users in Nigeria, including individuals looking for personal budgeting tools alongside day-to-day banking.
Notable in the Nigerian market for pairing budgeting features with banking infrastructure through partnerships with VFD Bank and Paystack, including NDIC-insured deposits up to ₦500,000, plus 256-bit encryption and 24/7 monitoring for transaction and fraud security.
Zairaa Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
What it does
Pricing & Fees
Variable pricingFree starts at ₦0/month; Starter begins at ₦10,000/month; Growth is ₦25,000/month; Scale is ₦50,000/month. Regular bank charges + VAT apply to all plans.
As of Oct 5, 2026, Zairaa is rated 4.0 on the App Store from 1 review.
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Frequently Asked Questions About Zairaa
Zairaa is a financial management platform designed for Nigerians that helps organize income into smart spending pockets, track expenses, and automate savings. It allows you to make transfers and payments directly from dedicated spending pockets while staying within budget.
Zairaa operates in Nigeria.
Yes, Zairaa is available on both the App Store and Google Play Store.
Zairaa is best suited for Nigerians who want to better manage their finances, budget their spending, and automate their savings and bill payments.
You can contact Zairaa support via support@zairaa.com.
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