Amanda is an AI agent that makes sense of your finances, locks funds, and grows your money through smart savings, strict financial habits, and financial education.
Backed by science
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You've tried budgeting apps, Excel trackers, and savings apps. But after seven days, you forget to open the tracker. Before you know it, you've spent more than you can even remember.
Amanda is the opposite. It lives in your phone as a chat, locks funds, and holds you accountable so you can reach your goals.
Saving isn't something you remember to do. It's something the system helps you do.
See the truth
Hard time-lock
Stay accountable
Save while you spend
Open Amanda
Set your savings goal
Move your money in
Live with the 7PM lock
Watch the goal get closer
“As somebody with ADHD and dyslexia, Amanda helps because I never remember to actually go into a savings app to lock funds or ever use a budgeting app. Amanda is the real deal.”
Safaya Ikechukwu
21 · Product manager, Lagos
“I make around ₦3 million a month, but I couldn't keep it. People message me to beg, and I end up spending on gifts. With Amanda I just show them proof the money is locked. They stop asking, and it has saved me a lot.”
Samuel Akpan
Regional Marketing Manager, Lagos State
“As a freelancer the money comes in big, then it disappears for weeks. Amanda helps me treat a ₦2 million job like it has to last. I budget around ₦1 million and break it into monthly, weekly, and daily so I don't burn the whole thing at once.”
Ngazi Promise
Freelancer, Lagos
Device locks, NDPC certification, and passcodes so your money and chats stay yours.
Amanda already knows what you want. Let it help you actually get there.
Clear answers about Amanda, the strict savings app from Amanda Technologies, how the hard lock works, and how your money stays protected with Rubies Microfinance Bank.
Amanda is a strict savings AI agent built by Amanda Technologies for Nigeria. It lives in a mobile app chat: it helps you understand spending, hard-locks outbound transfers when you are most likely to overspend, and keeps you accountable to savings goals.
Amanda's hard lock blocks outbound transfers from 7PM until morning. You can still check balances and chat with Amanda during that window. The goal is to stop late-night impulse transfers, food runs, and "just this once" spending when willpower is weakest.
Yes. Amanda is its own app — a chat-first savings agent, not another cluttered banking dashboard. Open Amanda, talk to it like a partner, and the hard lock and spend clarity live there.
Yes. Customer funds are held with Rubies Microfinance Bank. Amanda is the discipline and accountability layer on top of that banking relationship, not a place where money disappears into a black box. Amanda uses device locks, PINs, and NDPC-aligned data protection practices.
Amanda is for people in Nigeria who know they should save but keep negotiating with themselves: ADHD spenders, emotional spenders, salary burners, and anyone tired of budgeting apps they forget to open. If chat is already how you get things done, Amanda meets you there.
You can freeze your Amanda account instantly from the Block Account page on this site, then message support to unblock when you are ready. Amanda pauses payment activity and guides you through recovery.
Tap Join Amanda on this site to get started, complete a short setup, set a savings goal, and move money in. After that, Amanda handles the hard lock and accountability so you do not have to rely on willpower alone.
Amanda is a mobile savings app and AI chat. Banking services and fund holding are provided through Rubies Microfinance Bank, while Amanda Technologies builds the product experience.
INSTANT BLOCK
If your device is stolen or compromised, don't worry — you can freeze your Amanda account from this site and message support to recover. We'll pause all payment activity and guide you through recovery.
