Vintran PayComing soon

Save, spend and grow your money together

An intelligent financial ecosystem that makes saving, spending and collaborating effortless — thrift with friends, lock your savings in Naira, automate your bills and buy on terms you agree with the seller.

Explore features

Naira savings
Free internal transfers
Automated payments

Young man smiling as he checks a payment on his phone

Vintran Pay app home screen showing the main balance, bill payments and Vintran Link

Thrift payout received

₦250,000

Round 4 of 10 · Achievable

Vintran LinkActive agreement

Item

Samsung Galaxy A15

Seller · Tobi Gadgets, Ikeja

Agreed price: ₦185,000
Plan: 3 payments
Held for: 60 days

2 of 3 paid₦61,667 left

Pay ₦61,667Copy link

Vintran Link

Buy now, pay over time — on terms you both agree

Vintran Link is a handshake between a buyer and a seller. Agree a price and a period, and the seller keeps the item for you while you pay — with a consequence if either side defaults. It's also an instant pay link when you just want to get paid.

Lock in an agreed price with the seller
The item is held for you for the agreed period
Clear consequences if either party breaches the deal
Works as a quick pay link for one-off payments

Savings

Savings that fit how you live

Save alone or with your people — for a goal, for discipline, or just for the thrill of the challenge.

Thrift savings

Achievable

Save with friends, family and colleagues in a joint contribution circle. Everyone gets the bulk payout on their round — automated, transparent and secure.

Target savings

I Can Get You

Save towards a specific goal with the reason attached. When you hit the target, Vintran can pay for it automatically — if you choose.

Lock savings

No Access

Lock money away in Naira for a fixed period. No early withdrawals — save with purpose and discipline until your date arrives.

Savings challenges

Meet Me If You Can

Join Vintran-set savings goals and compete for rewards — for the best saver or the first to hit the target.

Thrift groups in the app

Create a circle or join a public group in a few taps.

Money on autopilot

Set it once. Vintran handles the rest.

Automate the payments you make every month and give every naira a job — so nothing is late and nothing is wasted.

Recurring payments

Autopilot

Schedule bills, subscriptions and regular obligations once. Vintran pays them on time, every time — no more missed or late payments.

Envelope budgeting

Budget Me

Split your income into envelopes by category, track every inflow and outflow, and stay on plan — working hand in hand with Autopilot.

Vintran Pay budgeting screen with food, transport and shopping budgets

Vintran Cockpit

Save together. Stay accountable.

Cockpit turns saving into a shared journey. See co-savers grouped by target with real-time progress, celebrate the top savers, and learn from the people who hit their goals.