Do I need to download another app?

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.

Is my money safe with Amanda?

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.

What if I lose my phone?

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.

Is Amanda an app or a bank?

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.

About Amanda

Amanda is a strict savings AI in the app.

Amanda is a strict savings AI agent in a mobile app for Nigeria. It explains your spending, hard-locks transfers from 7PM until morning, and helps you build discipline through chat.

Join Amanda Contact support

What Amanda is

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.

Company and banking

Company: Amanda Technologies (Amanda Global Limited)
Bank: Rubies Microfinance Bank
Market: Nigeria
NDPC: NDPC/DCP/11710
Registered office: 25 Herbert Macaulay Way, Yaba, Lagos State, Nigeria

How the 7PM lock works

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.

Who it is for

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.

How to join

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.

For the research that shaped Amanda's locks and accountability design, see The science behind Amanda. Privacy details: Privacy Policy.

Support: +234 707 706 9738 · Mon-Fri, 9AM-6PM WAT