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News

2021 is finally here and the year has swung into full action already. 2020 is one year that so many people want to move on from so swiftly. However, it is important that we spare a moment to reflect on the past year just before exploring what 2021 has in store for us.<h3>2020 changed everything&nbsp;</h3>The events of 2020 changed everything for us all as humans. From the pandemic to the civil unrest, we witnessed individuals and businesses struggle with the scary realities of uncertainty and the economic slowdown. Despite all the bumps and bruises that came along in 2020, we achieved foundational milestones as a business. The past year saw us expand the channels through which we serve users — anyone can now pay you from any bank’s mobile app. We also undertook an extensive rediscovery exercise to truly understand what growth means to our users and how to position Eyowo to support them in achieving these growth objectives.&nbsp;<h3>The work ahead in 2021</h3>Our customers are at the center of all we do and we appreciate the trust they have placed in us. We are upgrading our digital channels to provide simplified and easier access to meeting customers’ needs. This year, we are intensifying our support to businesses, particularly MSMEs, with the knowledge and finance they need. Individual customers will also benefit from our improved product offerings and intuitive triggers for rounded financial wellness.&nbsp;<h3>Eyowo Value Centers&nbsp;</h3>To drive more inclusive growth among our customer segments, we will set up value centers to deepen financial access for all users, particularly at the bottom of the pyramid. Already, we have one of such value centers located at the heart of Lagos Island. It’s our hope that these value centers will serve as a major avenue to get even closer to our customers. On Christmas morning, for instance, we showed up at the Eyowo Value Center in Obalende where we managed to put smiles on a number of faces in our host community. That occasion provided us with more insight into how much more impact we can make in our communities.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1634010870/collage_0b20831fdc.jpg"><figcaption>Eyowo’s Christmas reach-out in Obalende, Lagos (December 2020)</figcaption></figure><h3>We appreciate you a great deal&nbsp;</h3>We want to seize this opportunity to say a huge THANK YOU for all your support, we couldn’t have done it without you. Thank you for choosing Eyowo as your financial partner in 2020 We look forward to jointly approaching 2021 together. We can take on the year stronger, bolder, and walk the path of growth together.&nbsp;Seindemi Olobayo&nbsp; Chief Executive Officer&nbsp; 12th January, 2021&nbsp;

Eyowo in 2021: Walking the growth path together

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Product

Here’s all you need to know about tiers and how to move between them;<h3 style="margin-left:0px;">Tier 0</h3>With a Tier 0 account, you can do everything, like receive money, make payment requests, e.t.c but you can not send money out. Every new account on Eyowo is on Tier 0 by default. A Tier 0 account doesn’t have a confirmed BVN (Bank Verification Number) and a valid ID (a driver’s license, voter’s card, international passport, national ID card, or NIN slip).<h3 style="margin-left:0px;">Tier 1</h3>With a Tier 1 account, you can do everything, like receive money, make payment requests, e.t.c but the maximum amount you can send is 10,000 Naira per transaction and not more than 50,000 Naira a day. To upgrade your account to Tier 1 from Tier 0,<ol><li>Click ‘More’</li><li>Click ‘Upgrade’</li><li>Click ‘Provide personal details ’</li><li>Take a selfie image of your face. (Please know that this image will be used for document verification if you choose to further upgrade your account).</li><li>Complete the form by providing your: First name Last name Gender Address Email address and details of your Next of KIN</li><li>Click ‘submit details’ to submit your personal details.</li><li>You’re Good to Go!</li></ol><h3 style="margin-left:0px;">Tier 2</h3>With a Tier 2 account, you can do everything, like receive money, make payment requests, e.t.c but the maximum amount you can send is 50,000 Naira per transaction and not more than 200,000 Naira a day. To upgrade your account to Tier 2,<ol><li>Click ‘More’</li><li>Click ‘Upgrade’</li><li>Click ‘link your BVN”</li><li>Enter ‘BVN number and click verify BVN’</li><li>Enter ‘OTP sent to the phone number linked to your BVN’</li><li>If you didn’t get any OTP, click try another method and fill in the details requested.</li><li>Click ‘verify BVN’ to complete the verification</li><li>Take a selfie image of your face. (Please know that this image will be used for document verification if you choose to further upgrade your account).</li><li>Click ‘Next’ to provide details of your “Next of KIN”</li><li>Click ‘submit details’ to ‘submit your personal details.’</li><li>You’re Good to Go!</li></ol><h3 style="margin-left:0px;">Tier 3</h3>With a Tier 3 account, you can do everything, like receive money, make payment requests, e.t.c but the maximum amount you can send is 1,000,000 Naira per transaction and not more than 5,000,000 Naira a day. To upgrade your account to Tier 3,<ol><li>Click ‘More’</li><li>Click ‘Upgrade’</li><li>Click ‘upload ID’</li><li>Select ‘your preferred type of document from the list’ of valid ID (a driver’s license, voter’s card, national ID card or NIN slip).</li><li>Enter ‘identification number of the chosen document’</li><li>Upload or take a picture of the front and back view of the chosen document.</li><li>Click ‘submit to verify document information provided’</li></ol>If you have any more questions, you can reach out to our Xperts via the following channels:<ol><li>Any of the apps by tapping GO then navigate to GET HELP NOW.</li><li>Call us on 01–7001520.</li><li>Send us a DM on social media.</li></ol>

How to increase your transfer limit and upgrade your Eyowo account easily

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Money Culture

It’s my favourite time of the year and I’m going to go out on a limb here and say this is true for most of us. Asides from the holiday we get away from work, and the <a href="https://everyevery.ng/effects-of-celebrations-like-christmas-on-nigerias-economy/">boost in economy</a>, I love everything else about the season; the colours, the decorations, the family dinners, the trips and don’t get me started on the gifts! The reality of all these is...debit on debit alerts.Psychologists believe people tend to make more purchases and spend more money during the festive mood, as it boosts their self-esteem. It’s also been recorded that a <a href="https://blog.yelp.com/community/survey-reveals-the-secret-cost-of-the-holidays/">survey</a> of 2,000 people conducted by Yelp and commissioned by OnePoll found that 28% had gone into debt during the festive season. I’m not crying. Shouldn’t there be a way to enjoy this season to the fullest without breaking the bank? Of course there is.I got to work and came up with four ways to celebrate Christmas on a budget.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1637592958/2_18b4bb4a1a.jpg"><figcaption>Prepare a budget</figcaption></figure><h3>Prepare a Budget</h3>As with all things which require spending, you need a budget. Regardless of how tight it is, you need one. Preparing a budget helps you define the boundaries within which you'd be celebrating. In a <a href="https://www.investopedia.com/articles/pf/08/speding-holiday.asp">related post</a>, Investopedia states “Sticking to a budget is a good way to keep yourself out of debt during any time of year”.Your budget acts as an accountability document which you can always consult when you're about to go overboard. Essentially, it puts you in control of the wise and/or not so wise financial decisions you'd be making this season.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1637592959/3_2388e30470.jpg"><figcaption>Prioritise your list</figcaption></figure><h3>Prioritize your List</h3>Honestly, we can't do it all. I know we'd like to, but our budget dictates otherwise.Hence, we need to prioritize. Make a list of everyone you intend sending gifts to, events you'd like to attend, vacation spots you've been eyeing all year long, outfits you've sworn you'd buy to stay stylish and more.Here comes the not so pleasant aspect of it, prioritizing. Do the big chop. Cut out people you don't HAVE to give or replace initially planned gifts with more budget-friendly ones, take out events you can do without attending, e.t.c. Be rest assured, this would help your budget, greatly.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1637592960/4_24fa8b0f47.jpg"><figcaption>Shop early</figcaption></figure><h3>Shop Early</h3>This cannot be overemphasized. With the yuletide season comes a hike in prices. Also, as a result of the pandemic disrupting the manufacturing and supply chain process, the retail sector’s capacity to meet up with demands might drive up prices.According to <a href="https://www2.deloitte.com/us/en/pages/about-deloitte/articles/press-releases/deloitte-holiday-retail-sales-expected-increase-seven-to-nine-percent.html">Deloitte’s annual holiday retail forecast</a>, retail sales have been predicted to increase by 7-9% over last year, while e-commerce sales will jump by 11-15%. Save yourself some extra coins and shop early. When you shop early, you buy items at their original prices and possibly discounts. As an implication, you free up some money which can be diverted to other to-dos.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1637592959/5_6714df3d9b.jpg"><figcaption>look away</figcaption></figure><h3>Look Away.</h3>Ahem, you've been helped thus far but this last step is entirely up to you. Despite being intentional, and doing everything necessary to ensure you celebrate Christmas on a budget, the invitations and temptations will pour in. Friends and family are not privy to your budget so they'd definitely reach out to you for yuletide enjoyment. Do you have to go? What would happen if you didn't buy that creamy pasta? Or travel to Ghana to watch WizKid perform? (I can't even judge you for this).Ask yourself these questions. As tough as they might be, they'd help ensure you stick to your budget. <a href="https://eyowo.com/for-you/spend-controls">Eyowo Controls</a> supports you in creating a working budget and keeping to it. You’d definitely be held accountable.Fret not, follow the steps above, stick to the plan, and watch your Christmas celebration come together.

How to Celebrate Christmas on a Budget 

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Black Friday is THE busiest shopping day of the year. This day sees everyone seeking out and scrambling to snag steep discounts and the best deals on everything from toys to TVs. Whether you plan to get in line or shop from home, here are some ways to shop smarter for Black Friday and beat the marketing madness. Thank me when you’re done reading. *wink But first, what is Black Friday?<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1637838103/what_is_black_friday_cf94471a0d.jpg"></figure><h3 style="margin-left:0px;">What is Black Friday?</h3><a href="https://www.nationalworld.com/lifestyle/money/why-is-black-friday-called-black-friday-meaning-of-the-big-sales-event-and-how-it-got-its-name-explained-3395945">Black Friday</a> is an annual shopping tradition from the US that goes back as far as the 1950s. It is widely accepted that it got its name after people would move enmasse to shops on the Friday after Thanksgiving in the US. The earliest evidence of the phrase being used to describe the rush was in 1961, in the city of Philadelphia, Pennsylvania, in the US.<h3 style="margin-left:0px;">How to Shop Smarter for Black Friday</h3><figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1637838104/shop_black_friday_82c3037947.jpg"></figure><h3 style="margin-left:0px;">1 Research to the max</h3><h4>1.1 Research Original Prices</h4>During this time of the year, retailers are known for jacking up original prices of items so they can display actual original prices as Black Friday discounted prices.Don't automatically assume you are getting the biggest bang for your buck on any item. Before adding any item on your shopping list, look at the current sale price to determine if you are really getting a good deal.<h4>1.2 Compare Black Friday Prices</h4>Just when you think you’ve got the best deal, another comes along to knock it right off the shelf. Though it can be time consuming, I do not hold back on comparing prices across a range of retailers. Check the price of your chosen items at multiple retailers and purchase it where it's the least expensive.<h3 style="margin-left:0px;">2 Have an Online Strategy</h3><figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1637838103/online_startegy_0b4611330f.jpg"></figure><h4>2.1 Skip the long lines and shop online</h4>If you’re like me and would rather not do an in store shopping experience, go online. Yes, there are particular items which are best bought in stores (such as clothes) however, you can save ample time AND energy by shopping for many other goods online. Decide which items you’re comfortable buying online and start loading up your virtual carts.<h4>2.2 Sign up for sale alerts through store newsletters</h4>The fear of missing out (FOMO) largely drives purchasing behaviour during this time and one way to ensure you don’t miss out on deals is by signing up for your targeted stores’ newsletter. Of course, you can always hit “unsubscribe” after the season if the notifications clog up your inbox.Another way to do this is by stalking their social media pages. Stores put up upcoming deals on their social media pages which is a wider accessible channel for the public.Don’t get mixed up in the Black Friday hustle and bustle, do your due diligence and cash in on those best deals.

Ways to Shop Smarter for Black Friday

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I Am Better with Money

These times call for tough measures and deliberate money management decisions to stay afloat and ride the tides. Every measure we think of to put in place in order to adjust to the fast rising cost of adulthood requires us being better with money. A difficult mountain to climb it seems, but you can be better with money.You are at the core of what we do at Eyowo and in line with our commitment to seeing you attain your financial goals, here are 7 ways to become better with your money.<h3 style="margin-left:0px;">Keep All Your Money Where Your Eyes Can See It</h3><figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1638367735/Cover_62de7d1eb8.png"></figure>Visibility on all your money, enables you to have 360 know-how on the financial choices you need to make to improve your relationship with it. Your money needs only one app. Eyowo.We have made it easy to keep a tab on how your money is doing; be it personal or business funds, you can have it all in one place and make better informed decisions where they are concerned. You’re also able to link other accounts from different banks to your Eyowo account for easy tracking.<h3 style="margin-left:0px;">Tracking and Controlling Your Money</h3>Next call of duty is learning to manage what money you have. It is important to have a spend plan which would help tailor, set and achieve your financial goals. Many people don’t budget because they don’t want to go through what they think will be a boring process of listing out expenses, adding up numbers, and making sure everything lines up. We’ve made this super easy with Controls. Controlling your money is investing in yourself. Do it with Eyowo Controls.<h4>Controls</h4>This not only takes away the mental gymnastics, it also holds you accountable and places you in the driver's seat where your precious coins are concerned. With ready set categories, you can set a weekly or monthly spending limit for each, and adjust as you progress on your money management journey.<h3 style="margin-left:0px;">Grow Your Money</h3>Earning money by trading your time is great, but more importantly is being able to find a way to make more money without having to be actively involved. Investing your money increases its value over time and is quite critical to building wealth.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1638367732/cover_2_76e599a96a.jpg"></figure><h3>Save</h3>Eyowo Safe puts your money to work while you sleep, ensuring maximum rewards for low effort. With up to 13% interest on your savings, your plans for a better future; relocation, saving towards a new business venture, a dream car, etc can be actualized.<h3 style="margin-left:0px;">Know How Your Money Moves</h3>You can’t improve what you don’t know and a key step in being better with money and improving your financial lifestyle is knowledge. With Eyowo, you get to know if your tozo suya man is building a house in the village with your money, if love does really cost a thing and how you can do things differently for a different outcome.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1638367732/cover_4_a7d95dad7d.jpg"></figure><h3>Reports &amp; Insights</h3>Heads up, it’s the day of reckoning with Reports &amp; Insights. These let you see your weekly or monthly money inflow and outflow at the tap of a finger. You may or may not like what you see, but it’s all part of your journey to being better with money.<h3 style="margin-left:0px;">Put Your Money To Work At The Speed of Light</h3>For all the work you put in, you should have the freedom to move your money around and without paying for it. You shouldn’t have to pay to spend. Eyowo is your playing field to spend your money as you please, how and when you please. And for FREE.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1638367732/cover_5_b41fe25ca6.jpg"></figure><h3>Send money to a bank account in 0.1 seconds.</h3>You can send money to any recipient’s bank account if you so wish.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1638367732/cover_6_30f7b7f181.jpg"></figure><h3>Send money to a Phone Number in 0.1 seconds.</h3>You can also choose to send money, at the speed of Eyowo, to any phone number.<h3 style="margin-left:0px;">Leave No Money On The Table</h3>You’re helping no one, not even yourself when you leave money on the table. Being in charge of your money not only entails controlling it but also asking for it. Your debtors might not be entirely happy about this, but hey, they better have your money when you come calling with Eyowo.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1638367735/cover_7_8de8d1ecb3.jpg"></figure><h3>Ask to be paid via QR</h3>You can share your QR code to be paid instantly for your services.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1638367735/cover_8_08edcf2265.jpg"></figure><h3>Ask with a payment link/Eyowo.me</h3>As we said, Eyowo is your playing field to do as you wish. Need an urgent 2k? Send a payment link. Got a birthday wishlist? Attach your payment link to receive instant cash.<h3 style="margin-left:0px;">Join The ‘Better With Money’ Circle</h3>Your desire to be better with money needs to be backed with actionable steps towards this goal. We’ve made it super easy and seamless for you to get started. <a href="http://eyowo.com/getx">Simply download Eyowo X</a> from your app store, open it to set up an account, get verified, add money and start being better. Because you can.&nbsp;

7 Ways to Become Better with Money 

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Despite being widely accepted and commonly spoken about, it remains shrouded in mystery. Humans interact with money daily, yet know so little about it.Money means different things to different people. Some perceive it as a means of exchange and for others, it is a measure of growth and progress.While we may differ on our perception of money and the value we place on it, there are three universal truths about it:<ol><li style="margin-left:0px;">Money is not static. Money constantly moves. Whether you save it in a bank or hide it under your bed, the value of money changes over time. In finance and economics parlance, we express changes in the value of money using concepts such as inflation, NPV, IRR, etc.</li><li style="margin-left:0px;">Money is never enough. The very construct of money and our insatiable nature as humans means there is always an intrinsic urge to make more of it. The more money we make, the more we discover ways to spend it, leading to an unending cycle.</li><li style="margin-left:0px;">Money has a personality. It can be unpredictable and slippery, depending on how it is handled. Our ability to control money determines whether it becomes an accelerator or an inhibitor of growth.</li></ol>The mobile nature of money means we always need to maintain or grow its value. Because it is never enough, we need to always figure out how to earn more and its personality makes it necessary to control it. To unlock growth, you need to either create opportunities to earn money or borrow it.The fulfilment of the above needs and the opportunities they represent is what led to the emergence and evolution of institutions we now know as banks.The fundamental principles of banking have remained constant over time: store money for person A, lend it to person B, use the profit from it to support person C and the cycle continues. However, the advancement of technology, shifts in socio-economic realities and evolution of human needs have made it increasingly difficult for financial institutions to truly evolve with money and deliver services that adequately address the multidimensional needs of the customer.For individuals to experience sustainable financial growth, they require the right knowledge and access to intuitive tools that will enable them to understand the fundamentals of money, and how to take control of it.“Money needs a new meaning and we all need to build better relationships with it”<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1639578580/money_wallet_fa737516af.png"></figure>By fundamentally considering these first principles, we will gain a new set of perspectives around money and apply a different set of approaches, some of which are:Money must be easily accessible. Access is at the heart of value creation. Money needs to move between people seamlessly and instantly irrespective of the social and economic status of the sender and recipient. To foster growth for people, the concept of money needs to be inclusive and the barriers that stand in the way of their access to it must be eliminated.People need to understand money. Everyone needs to understand money. This understanding will help them connect to the fundamentals of it and how it moves. While financial advisers exist, they are more accessible and available to the wealthy customer cluster. Financial insights need to transcend mere obligation to accessible, intuitive and human-centered services. This approach places focus on the growth of the user and ultimately creates value for all.Money can be controlled. With understanding comes the ability to make the right financial decisions. If people are empowered with the right tools, they can build habits that enable them to take complete control of their financial life and future.Every dealing with money should result in growth. Growth lies at the intersection of access, understanding and control. When financial services are built with humans at their core, they provide a firm foundation upon which people can build to unlock the potential of money as an enabler of growth.Everyone can be better with money, and this is why we built Eyowo.After years of experimenting and discovering the evolving needs of humans around the subject of money, vis-a-vis technology and the state of society; we have built a bank that is inclusive, enables control, and unlocks human growth. We have succeeded at giving a new meaning to money and we are on a journey to helping people to build an improved and healthy relationship with it.We envision a future where this new meaning of money will inspire players in the financial services industry to innovate and enable growth for all.<hr>Seindemi Olobayo www.eyowo.com

The New Meaning of Money

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Food orders, a gift for a friend’s birthday, drinks on a night out with friends or even jumping on a Black Friday deal; all done quickly, without tracking or a planned budget. You end up racking your brain, looking for N20,000 and comparing the backlog of alerts to see just where that money went.When you don’t keep track of how money leaves your account and what it is for, you tend to have many of those ‘missing’ money moments where your actual account balance doesn't match the balance you have in your head; a real chest pain, if you ask me.Following your money’s footsteps and tracking your spending, keeps you on top of your money. Looks like a herculean task but it is easy to find out all these with Eyowo.We talked to some of our users and here is what they had to say about what takes the large chunk of their money every month and how they found out.<h3>Felix</h3>Where does all your money go?“Omo, it is somewhere between feeding and transportation oh. And it all started when I moved to this Lagos.”How did you find outThat’s easy. There was free food in my father’s house, now I have to pay for everything I eat. Hard life.<h3>Rita</h3>Where does all your money go?“Matters of the heart insert long laugh. I have been served breakfast this year and I find that I indulge in retail therapy to feel better”How did you find outI was going through my money trails looking for a particular payment I made to someone who claimed not to have seen it. While looking through, I started seeing all the money I had sent to Instagram vendors. What?? Large heartbreaking chunks (Pun intended). 2022 we do better.<h3>Eki</h3>Where does all your money go?I am ashamed to say it is food. The amount of payments I have made to CR this year is plenty. Throw in transfers to the Sharwama guy and you will lay the foundation of a house.How did you find outMy Money Insight on Eyowo X gave me away. I need to eat at home or find cheaper cravings in 2022.<h3>Segun</h3>Where does all your money go?To be honest, my money goes into many places.How did you find out?I know this from by looking through my transaction history or checking my account statement at the end of the month.<h3>Derick</h3>Where does all your money go?It is a ‘who’ and it is my Father. My mum too, they are the beneficiaries who have taken the highest amount of money.How did you find out?I tried sending money to my dad and the insight on Eyowo X showed me how much I had sent to him in total over the past months. I let out a huge scream.<h3>Toni</h3>Where does all your money go?It is food, good food to be precise. If I were to eat rice, I'd take it with lots of meat even though it is expensive. There is also transportation because I don’t enjoy jumping buses. Though these days I jump bus with humility sometimesHow did you find out?I sat down one day and did a little analysis of how much I spend per month and what I spent it on, and boom, it was food and Uber in my face.Do you know what takes all your money?To find out, simply launch your Eyowo X, tap Go and scroll to Reports. The Expense section shows all the money that has left your account and the Insight section gives more details on the purpose of the transactions.Check yours today; you may or may not be surprised by what you find.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

Tracking Expenses: Where Did All My Money Go?

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New year, new me.Sounds familiar? I bet you have heard that a couple of times in 2022 or maybe you are even one of those who said it. No judgment, but let’s get real. It is quite easy for this to become a cliche statement with no actual effect if you do not make a conscious and deliberate commitment to building new habits. The same applies to your money! New year, new money habits, huh? Last year, it was okay to shop on impulse because your heart was broken, to spend based on vibes and inshallah without a budget. Maybe you even ordered Azul and resorted to looking for urgent 10k the next day. All that is not permissible in 2022, it is the year to be better with money. Okay? Okay.Building a better relationship with money starts from cultivating better money habits. As a result of our investment in your financial lifestyle, here are New Money Habits you should pick up this year;<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1642685712/Frame_26_1_56b7edcbde.jpg" alt="Budget with the 50 30 20"><figcaption>Budget with the 50 30 20</figcaption></figure><h3 style="margin-left:0px;">Budget with the 50-30-20 rule</h3>Is your spending still guided by vibes? In big 2022? You should stop that and start budgeting. The 50-30-20 rule will guide you. The rule simply says to budget 50% of your income after tax on your essential needs. Bills, grocery shopping, healthcare, transportation, and other essentials will come under this. Next, budget 30% of your income on your wants like streaming subscriptions, gym payments, date nights (yeah, you should budget for those too), etc. The remaining 20% should go into savings. The percentages are not cast in stone and you can modify them to suit your peculiar situation. What you should not do is not budget.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1642685712/Frame_27_1_43ad9f783c.jpg" alt="Monitor your spending"><figcaption>Monitor your spending</figcaption></figure><h3 style="margin-left:0px;">Monitor your spending</h3>This is one of the most important new money habits to cultivate. It is one thing to budget, it is another to have clarity on what and who you spend on . Take a step further, track your spending to see how well or not you are adhering to your budget. With Eyowo, you can check your trails and study your insights to gain an understanding of how your money moves and what you spend on.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1642685713/Frame_28_1_4c4f0402fb.jpg" alt="Build an emergency fund"><figcaption>Build an emergency fund</figcaption></figure><h3 style="margin-left:0px;">Build an emergency fund</h3>One unplanned emergency can render you broke and mess up your life with embarrassing debts. In 2022, “God forbid” is a terrible money habit. Set up an emergency fund instead and keep some money away monthly in your Eyowo Safe for emergencies.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1642685712/Frame_29_1_21065e30f8.jpg" alt="24-hour rule to curb impulse spending"><figcaption>24-hour rule to curb impulse spending</figcaption></figure><h3 style="margin-left:0px;">24-hour rule to curb impulse spending</h3>Don’t be one of those who blame the Instagram algorithm for all the cute clothes and shoes they keep buying off the app as soon as they see them. That is impulse buying and you need to do better, so stop it! A better money habit will be to practice the 24-hour rule. See something you want to buy? it is even on sale and you feel a strong need to buy it outside of your budget? Don’t. Wait 24 hours, sleep on it. Consider all your big money goals and be sure that your purchase aligns with them. If you still feel strongly about it, then go ahead.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1642685711/Frame_30_1_eb7d41e176.jpg" alt="Invest to grow your money"><figcaption>Invest to grow your money</figcaption></figure><h3 style="margin-left:0px;">Invest to grow your money</h3>Savings are good; you can get up to 13% interest when you save on Eyowo, that’s a great deal. However, the truth is you cannot reach financial freedom by saving only. Start from savings and build a capital base that can be used for more robust investment options. Remember, invest only in what you understand.This is the Better is Possible year; you can be better with money when you cultivate better money habits. Are you ready? Let’s begin.

New Year, New Money Habits.

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A thought, a wish, a goal, a target; dreams abound of what we make of it.&nbsp;The actualization of dreams and goals mean different things to different people but what cuts across is the singular, individual expression of these goals and aspirations. A stand for something, a stand for a cause, a stand for their existence regardless of naysayers. These are characteristics of the people we built Eyowo for.&nbsp;In signing our very first brand ambassador, it was important to bring on board someone who could help us reach this category of people, someone whose attributes aligned strongly with them and ours. We wanted a charismatic individual with an independent voice, a determination to win and an appetite for a better financial future. And we got exactly what we wanted. Angel B. Smith.<h3 style="text-align:center;">&nbsp;Angel</h3>Angel represents an ideal Eyowo user who is on a journey to attain the fullest potential of their money life, gain and stay in control of their money as well as make it work for them.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1643993953/angel_smith_bb_498210d905.png"></figure>Amidst the pull of fame and the noise that comes with it, she lives life on her own terms and sees no other way to do so. She realises having money gives her the freedom to be her own woman, make decisions&nbsp; and more importantly, the understanding of how to apply said money is where and how true freedom comes.&nbsp;<h3 style="text-align:center;">Angel takes ownership of her finances</h3>The success of our everyday efforts towards achieving our goals and aspirations is largely determined by what we do with our money. Angel understands that to fully come into her own person and live her ideal financial lifestyle, there's a need to handle money better; grow money by not only making more of it but making more from it.&nbsp;This, among many others, is why she’s a perfect fit for the Eyowo brand.<h3 style="text-align:center;">A winning partnership</h3><figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1643993953/angel_smith_bb2_1b49e2415e.png"></figure>With this partnership, Eyowo shoots at reaching a range of Nigerians; Gen Z, Millennials and the older population who desire to be Better with Money to enable them attain their life long goals. We aim to show that dreams come through when better financial decisions are made.&nbsp;Welcome to the better side of life Angel, welcome to Eyowo.<a href="http://eyowo.com/Angel" target="_blank" rel="noopener noreferrer">Download Eyowo X</a> to join Angel on the journey to a better money life.

A Winning Partnership: Unveiling Angel B. Smith as our Brand Ambassador

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Wondering how to get started with your Eyowo Card? Here’s all you need to know to start spending with the Better Card in Nigeria.<h2>How do I activate my Eyowo Card?</h2>You require your default PIN to activate your card. To get this and other details such as your PAN and EXP Date;<ul><li>Launch your Eyowo X</li><li>Tap Go</li><li>Tap Physical cards</li><li>Tap Activate card</li><li>Fill in your Eyowo Passcode to get your details</li></ul>Voila! Now that you have received your default PIN, your card is ready to be activated!NOTE: Your card needs to be activated at a Providus OR Zenith Bank’s ATM using the default PIN within 1 month of receiving it. To activate it after this time frame, reach out to our xperts <a href="mailto:support@eyowo.com" target="_blank" rel="noopener noreferrer">support@eyowo.com</a> &nbsp;<h2>How to activate a new card via ATM?</h2>Once you’ve received your card details (PAN, EXP Date and default PIN), the next step is to activate your card at an ATM.&nbsp;Please note, your Eyowo card can only be activated at a Providus or Zenith Bank ATM.To activate your card;&nbsp;<ul><li>Insert your card in the ATM</li><li>Input the card number and the default PIN provided in your Eyowo X</li><li>Create a new PIN for the card</li><li>Follow the instructions provided by the ATM to enter your new PIN</li></ul>You’re ready to spend!<h2>How do I locate a Providus Bank ATM?</h2>Not to worry, check out this <a href="https://goo.gl/maps/fULftL1tytkn7m3n9">list</a> to find one closest to you.<h2>How do I locate a Zenith Bank ATM?</h2>Here's a <a href="https://www.google.ng/maps/search/all+Zenith+Bank's+ATMs/@6.4400476,3.4361135,13z/data=!3m1!4b1" target="_blank" rel="noopener noreferrer" download="download">list</a> to help find one closest to you. &nbsp;

Getting Started with your Eyowo Card.

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It was an evening of deep conversations, human connections and money talks at the first ever Eyowo Money Circle workshop with our ever daring ambassador, Angel JB Smith.The Eyowo Money Circle workshop is part of the bank’s move towards redefining the banking experience and equipping users with what it takes to control their money and grow.The intimate gathering had young people from different sectors and industries who were united by the common need to be better with money. In attendance with Angel were freelance journalist Olumuyiwa Olowogboyega, celebrity stylist Dami Oke, King Pexxie, Dami Taiwo, Tochi Jessica, Caleb Audu, and many others.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1645464379/1500x1000_4_5ea8ba722b.jpg"><figcaption>Noble X Natasha</figcaption></figure>The Eyowo Social and Content Strategy Lead, Uloma Nwoke opened the evening with a welcome address before the hosts, media personality, Latasha Ngwube, and serial entrepreneur, Noble Igwe, took over.The opening conversation around love and budgeting for Valentines was followed by a tear-racking experience with Strings and Stories, a session led by Zoza of Asah Bara Studios, where people opened up about their struggles and how these challenges have shaped their lives. Amidst a lot of vulnerability, sharing and comforting hugs in reaction to Zoza’s performance, people were able to see the similarities in their stories and how their backgrounds shape their behaviour towards money.<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1645464282/1500x1000_2_20fa2348a0.jpg"><figcaption>Strings and Stories</figcaption></figure>Having set the tone for the event, the Eyowo team once again introduced Angel and answered the “Why Angel?” question with regard to her brand ambassadorship deal with Eyowo. According to Nimide Fala, Growth Marketing Manager at Eyowo, Angel posed as the ideal customer who is on a journey to being better with money. She also said:&nbsp;<blockquote>“We have seen young Nigerians have to fragment financial decisions across different apps; one app for spending another for budgeting or investing. This is not ideal and that’s why we created Eyowo, the bank that brings everything together to make for a better banking experience.”</blockquote><figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1645464185/1500x1000_8_221ab2376c.jpg"><figcaption>Angel B. Smith with Nimide Fala, Head of Marketing X Growth, Eyowo and Ore Sofola, Creative Director, Softcom</figcaption></figure>Angel described the partnership as a match made in heaven as Eyowo helps her prioritise her savings while maintaining her ‘material girl’ lifestyle.&nbsp;Lela Omo-Ikirodah, SVP Commercial at Softcom moved the conversation to money and the concept of saving. The workshop attendees shared their reasons for savings which ranged from the fear of poverty to pride and building a safety net for themselves and their future.Tola Aregbesola of Events by Tola took the audience through setting up their vision boards with cutouts that illustrated their lofty dreams for the year. It was an intense session that ended with thoughtfully crafted goals brought to life on vision boards; colourful pictures and big dreams on paper, in line with Eyowo’s grand vision to help everyone make better financial decisions.&nbsp;&nbsp;<figure class="image"><img src="https://res.cloudinary.com/softcomdevs/image/upload/v1645463944/1500x1000_1_5c3f56721c.jpg"><figcaption>Tola Aregbesola facilitating the Vision Boarding</figcaption></figure>After capturing lots of moments in pictures and enjoying refreshments over drinks, the evening ended with Angel taking her online community on a tour of the Eko Novo building where most of the magic of building the better bank happens. &nbsp;

Redefining Goals and Money Relationships At the First Eyowo Money Circle


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&nbsp;Congratulations on opening your Eyowo X account! Wondering how to make the most of your account or need help finding your way around? Here's how to utilise your Eyowo X account.<h2>&nbsp;</h2><h2>How to Fund your Eyowo X via Cards</h2>Here’s how to add money to your account to enable you to start managing your money better.<ul><li>Launch your Eyowo X</li><li>Tap Go on the home page.</li><li>Select Add Money&nbsp;</li><li>Enter the amount to be added to your Eyowo</li><li>Choose Cards as your funding method</li><li>Select the card from which you want to fund.</li><li>Dial the generated code and follow the on-screen instructions.</li></ul>You’re Good to Go!

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<h2>&nbsp;</h2><h2>&nbsp;</h2><h2>How to send money to a Phone Number</h2>Yes, you can send money to your recipient’s phone number. Here’s how!<ul><li>Launch your Eyowo X</li><li>Tap Go</li><li>Select Send to Phone number&nbsp;</li><li>Select the contact/individual who you’re sending money to</li><li>Enter the amount you’re sending</li><li>Input your reference, so that you can track your expenses properly.</li><li>Select how you want the recipient to be notified; SMS or WhatsApp</li><li>Review the details of your transaction</li><li>Tap on the Send Payment button</li><li>Verify the transaction with your PIN or Biometric method</li></ul>Your payment will be instantly processed! &nbsp;

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<h2>&nbsp;</h2><h2>&nbsp;</h2><h2>How to send to a Bank Account</h2>If you’d rather send money to another bank , here's how to do so on your Eyowo X.<ul><li>Launch your Eyowo X</li><li>Select the Go button on the home page.</li><li>Select Send to Bank Account</li><li>You have the option to choose from an existing list of beneficiaries or create a new beneficiary.</li></ul> Create a new beneficiary<ul><li>Select the bank of the beneficiary</li><li>input the required details</li><li>Tag your expenses</li></ul>Select an Existing Beneficiary<ul><li>Select the beneficiary to which you want to send money.</li><li>Input the amount you want to send.</li><li>Input the transaction reference.</li><li>Tap Continue</li><li>Confirm the transaction with your Pin or Biometric method</li></ul>Voila, your transaction will be processed instantly! &nbsp;

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<h2>&nbsp;</h2><h2>&nbsp;</h2><h2>How to Save</h2>Saving money helps make sure you’re not caught off guard when unforeseen financial blows happen. With Eyowo X, you need not worry about that! You can save and grow your money with up to 13% interest. Here’s how to do so:<ul><li>Launch your Eyowo X app</li><li>Tap Go</li><li>Tap Save</li><li>Tap the plus sign at the top right corner of the page.</li><li>Choose your category</li><li>Choose fund frequency</li><li>Input target amount</li><li>Input funding amount</li><li>Input debit day</li><li>Input start date</li><li>Input end date</li><li>Choose withdrawal period</li><li>Name your Safe</li><li>Choose funding method</li><li>Create Safe</li></ul>

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<h2>&nbsp;</h2><h2>&nbsp;</h2><h2>How to set up Controls</h2>Wondering how to get a hold of your spending pattern and make some changes to how you spend? You happen to be in the right place! With Eyowo Controls, you are in charge of all your expenses. You can control how much you want to spend weekly or monthly.&nbsp; Below is a quick run through of how to set up a budget on Eyowo.Dig in. You’re welcome!<ul><li>Launch your Eyowo X</li><li>Tap Go and select Controls&nbsp;</li><li>Click on the plus button at the top right corner&nbsp;</li><li>Select how you want your budget to run, either weekly or monthly.</li><li>Choose your spending limit.</li><li>Choose to split your spending across categories e.g. Transport, Food, Shopping, etc</li><li>Input the amount you would like to split across each category, if you choose not to split, please skip to the next step.</li><li>Select the Account you are applying this limit on and tap Continue.</li><li>Tap the Create Budget button.</li></ul>NOTE: You can edit, disable or delete your created budget at any time. Yes, you can control your spending.&nbsp;

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<h2>&nbsp;</h2><h2>&nbsp;</h2><h2>How to receive money</h2>For ease of access to your money, we’ve gone ahead to re-imagine ways to receive money. Be it a payment for a service or product, a cash gift, a donation, a little or a lot of help in time of need, here are the multiple ways you can receive money besides sharing your account number:<h3>How to send an Eyowo Money Request</h3><ul><li>Launch the Eyowo X</li><li>Tap Go on the home page</li><li>Select Money Requests</li><li>Input the amount you are requesting</li><li>Select the requestee’s Eyowo phone number (The number must be listed on your phone’s contact)</li><li>Add a note (compulsory)</li><li>Click on Request Money</li><li>Input your password</li></ul>And that’s it! Your request has been successfully sent. You will receive a notification if your request is accepted or rejected.&nbsp;

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<h3>&nbsp;</h3><h3>&nbsp;</h3><h3>How to generate a Payment Link</h3><ul><li>Launch your Eyowo X</li><li>Tap Go on the home page</li><li>Select Payment Link</li><li>Tap on the plus sign at the top right corner</li><li>Fill in the required details</li><li>You’ll notice a toggle button. In the event you want the recipient to determine how much to send to you, turn it on</li><li>Add a note if necessary</li><li>Tap on create payment link button</li></ul>Share your link and get paid without sending your account number!&nbsp;

<h3>&nbsp;</h3><h3>&nbsp;</h3><h3>How to get paid via your QR Code</h3><ul><li>Launch your Eyowo X</li><li>Tap on GO</li><li>Select Scan to Pay</li><li>Click on Tap to share to share your QR code</li></ul>Your payment is just a scan away!&nbsp;

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How to Utilize your Eyowo X Account 

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The ‘I Am Better with Money’ series tells the money stories of real Nigerians and how they manage their money better with Eyowo.&nbsp;&nbsp;<hr>In this episode, we spoke to a fashion entrepreneur who realised his impulse spending on fashion items was affecting his finances and how he’s been able to manage this habit while maintaining his drip. &nbsp;<h2>Hello, please introduce yourself and tell us what you do.</h2>&nbsp;My name is Noble Chibuzor Igwe, my friends call me Nobs. I’m a serial entrepreneur.I work as the Chief Relationship Executive of The 360Nobs Group Limited; owners of 360Nobs.com, Stylevitae.com, The 360 Management Company, SLU..shh, Noble Konsepts and I also consult for businesses.&nbsp;Looking at the above, I do a lot and should be wealthy.&nbsp; &nbsp;<h2>I absolutely agree! Speaking of which, tell us how your relationship with money used to be.</h2>&nbsp;My relationship with money was one sided. I feel like I deserved better for someone that gives more than enough to make money.Money was not loyal and moved from me to people around me - it’s called cheating, money was cheating on me.To quote a great Nigerian Philosopher, M.I Abaga, “Money slow to enter, money quick to go.”&nbsp;I thought I knew how to manage money, but with a young family, you can’t really manage money unless you put proper measures in place as expenses sneak up on you daily without a warning and you have to face them head on.&nbsp;&nbsp;<h2>What was the game changer?</h2>&nbsp;It was a certain night in November 2021, my daughter wasn’t feeling well and we had to take her to the hospital in the middle of the night. On getting to the hospital, we had to run several tests which pushed&nbsp; up our bill.We paid but I realized that if the bill was N20,000 more, I wouldn’t have been able to settle it that same night.Earlier that same day, I had bought three new pairs of shoes&nbsp; that I didn’t&nbsp; need. I knew right then that I needed to make changes, create a fashion budget and stick to it.&nbsp;Fashion is still life though, don’t get it twisted.&nbsp;<h2>How did Eyowo help you get better with money?</h2>&nbsp;When I started banking with Eyowo, I saw at a glance that I could tell what I spend the most money on, who I frequently send money to and how much I spend on airtime.It was a game changer.The airtime record blew my mind and was the first major expense that I cut down on in less than 2 weeks of using the app.&nbsp;<h2>What drives your financial decisions?</h2>&nbsp;I’m an impulse spender, I just need to like something to buy it.&nbsp;It’s crazy because looking back, there’s nothing I have said that I wanted that I never got.If only money was not an issue, maybe I would have continued on that same route.&nbsp; &nbsp;<h2>What 'want' do you mostly spend money on?&nbsp;</h2>&nbsp;I hate to say this but I think my umbilical cord was tied to a boutique after birth. Fashion takes the cake.&nbsp;<h2>&nbsp;</h2><h2>Knowing what you now know, would this still stand?</h2>&nbsp;I can’t say that I’d stop spending on fashionable items but I plan to live within a budget, and make sure I don’t exceed the allocated monthly budget.With Eyowo, I’m in safe company as their controls help me manage my money&nbsp; better.&nbsp;&nbsp;<h2>Before making an unplanned purchase, do you;&nbsp;</h2>&nbsp;<ol><li>Call your wife for validation?</li><li>Buy immediately?</li><li>or apply the 24hr rule?</li></ol>&nbsp;It’s all of the above. I call Chioma when I’m not sure I should be spending that much on an item.I buy immediately because I don’t want anyone to make me change my mind.&nbsp;&nbsp;I apply the 24 hours rule if I have to choose between two things; I take pictures of both to review at home. &nbsp;<h2>What's your top money goal for 2022?</h2>&nbsp;It’s funny, but I want to be able to save enough to buy Chioma a Range Rover without breaking my back.&nbsp;Don’t let my mother or her mother read this.&nbsp; &nbsp;

I Am Better With Money: I want to buy Chioma a Range Rover without breaking my back.

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Every year, International Women’s Day releases a theme to celebrate the day – and women all over the world. This year, it is #Breakthebias, a theme that tasks us to do our part in creating a world free of bias, stereotype, and discrimination.A feat by no means an easy one but doable. And doable with each one of us taking action.&nbsp;In putting ideologies and words to actions, we invited 5 women entrepreneurs with business accounts on Eyowo to tell their stories. These stories document their dreams as a child, the businesses they currently run and the biases faced as a woman in business.&nbsp;Please meet them!&nbsp;<h2>&nbsp;</h2><h2>Bukky Aseinde &nbsp;</h2>

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Bukky Aseinde is the founder of <a href="https://bellafricana.com/">Bellaafricana.</a> She started Bellaafricana, a tech enabled platform for creative entrepreneurs because she struggled to get local food and snacks while abroad and thought of a solution. Bellaafricana supports small businesses with digital tools for increased visibility and sales.The community is currently 95% women and she wishes more men will be willing to collaborate to grow their businesses.&nbsp;Bukky aims to connect more Nigerian creative entrepreneurs to local and global opportunities. Her favourite Eyowo feature is bill payments. &nbsp;<h2>&nbsp;</h2><h2>Oluwatosin Ibiwoye</h2>

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Oluwatosin Ibiwoye is an e-hailing driver who started as a banker but had to quit due to a change in the bank’s spousal policies as her husband was also a staff. She went into business but things got really tough. 3 years ago, when her child came back with a notice from school she decided to do something. Started as a ride hailing driver and now does other logistics businesses.&nbsp;<h2>&nbsp;</h2><h2>&nbsp;</h2><h2>Tosin Sokunbi</h2>

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Breaking the Bias with Eyowo

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Say Hello to the Safest Card in Nigeria - The Eyowo #BetterCard.

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