Divy by SC
Set your rules once.
Every naira sorts itself.
Divy splits every payment the instant it arrives — salary, client payment, refund, anything — based on rules you set once. No manual transfers. No remembering.
The gap isn't intention. It's friction.
Most people who earn money intend to save a portion of it, invest a portion of it, or send a portion of it to someone else — the moment it lands. In practice, almost nobody actually does this consistently.
Money sits in one account, undivided, until it's spent on whatever's in front of you — not what you originally meant to do with it.
Every inflow, the same manual ritual
- 01Open the app
- 02Check the balance
- 03Remember the percentages
- 04Initiate three or four separate transfers
- 05Confirm each one
- 06Close the app
Do that enough times and it stops happening.
Every payment divides itself.
Divy automatically splits every payment that enters your account, the instant it arrives, based on rules you set once.
You tell Divy: 40% stays here, 30% goes to my PiggyVest account, 20% to Bamboo, 10% to my mother's account. From that point forward, every payment — salary, client payment, refund, anything — divides itself according to that rule, with zero action from you.
What stops being your job
- No manual transfers
- No remembering
- No money sitting around waiting to be “dealt with later”
Five steps, once.
- 01
Connect
Get a dedicated Divy account number, or link your existing inflow account.
- 02
Add your destinations
Add any Nigerian bank account: a savings app, an investment platform, a family member, a business account. Each one is verified before you save it, so you always know exactly whose account you're sending to.
- 03
Set your percentages
Assign a split percentage to each destination. Leave a remainder in your main account if you want.
- 04
Set a minimum
Choose a threshold (e.g. ₦5,000) below which Divy won't bother splitting — no point fragmenting small amounts across five accounts.
- 05
Done
From here, every inflow triggers the split automatically. You can edit, pause, or remove any rule at any time.
Built for people who get paid.
Freelancers and consultants
Who get paid irregularly and want discipline built into the payment itself, not dependent on willpower after the fact.
Salary earners
Who want savings and investment contributions to happen automatically every payday, without a standing order that only covers one destination.
Small business owners
Who want a portion of every sale routed to tax savings, reinvestment, or payroll reserves without doing it manually.
Anyone supporting family
Who wants a fixed percentage of every inflow to go to a parent, sibling, or dependent — automatically, every time, without having to remember.
Not a wallet. A rule.
Every Nigerian fintech app has a "save a percentage" feature. Almost none of them make it automatic and unconditional — most require you to manually move money into a pocket after it's already arrived, which is the exact behavior most people don't stick to.
Divy is not a wallet. It's not a place your money lives. It's the rule that decides where your money goes the moment it arrives, and then gets out of the way.
No partners required
You can send to any Nigerian bank account or fintech platform — Divy doesn't require the destination to be a "partner" or have any special integration.
If it has a Nigerian bank account number, you can split money to it.
What Divy does.
Automatic splitting
Every inflow is split instantly, with no manual step required.
Unlimited destinations
Add as many accounts as you want — savings apps, investment platforms, personal accounts, business accounts.
Custom percentages
Set any split ratio across your destinations; adjust anytime.
Minimum threshold
Set a floor amount below which splitting is skipped, so small inflows aren't fragmented.
Account verification
Every destination is name-verified before saving, so you always know who you're sending to.
Full transfer history
See exactly what was split, where it went, and when — for every single inflow.
Pause anytime
Turn off automatic splitting temporarily without deleting your rules.
₦0
Manual transfers you'll make
It moves money. It never holds it.
Divy never holds your money
Divy does not hold your money. It moves it — from your account to the destinations you choose, using licensed, regulated payment infrastructure.
Standard bank rails
Every transfer is a standard bank transfer (NIP), the same rails used by every Nigerian bank and fintech app.
Name-verified destinations
Every destination account is verified by name before you can save it, to prevent misdirected transfers. Divy never has access to your destination accounts beyond the account number and bank you provide — it cannot see balances, transaction history, or any other information about those accounts.
Two plans. One decision.
Free
₦0
- Up to 2 split destinations
- Unlimited transfers
Pro
TBD
- Unlimited destinations
- Priority transfer processing
- Advanced rules (e.g. different rules for different amounts)
Pricing to be finalized before launch.
Asked, answered.
Yes. You can add any Nigerian bank account or fintech account as a split destination, as long as it has a valid account number.
Divy retries automatically and notifies you if a transfer can't be completed, without holding up the rest of your split.
This is on the roadmap — currently, one rule set applies to all inflows above your set threshold.
No limit on the Divy side. Standard NIP transfer limits from the underlying banking infrastructure apply.
Yes, anytime. Changes apply to the next inflow — nothing retroactive.