You've been sending and receiving money, when in doubt, you simply request for bank statement. That is absolutely no way to manage your finance. Kepper is a wallet with a memory. We give you a clear read on where every naira went, with budgets that keep you honest before month-end.
6
Months of history, charted
0
Spreadsheets needed
2025
Tax Act aware
1
Place your money makes sense
Most apps move your money and leave you to work out what happened. Kepper does both: transfers in and out of your wallet, then the insight and budgeting layer that turns those movements into something you can actually act on. Something that can help you make decision to reach your money goals.
Kepper turns your wallet activity into a story: monthly cashflow, inflow versus outflow, and the six-month trend — so a heavy month is obvious while you can still do something about it.
Cashflow · last 6 months
Net +₦1.24m
Top categories · September
Budget health
11 days left
₦196,540 of ₦320,000
₦8,100 of ₦10,000
PAYE, 2025 Tax Act
Pick a number for the day, the week or the month. Kepper measures every transfer against it and gives you one honest read — on track, watch it, or over — plus what the 2025 Tax Act says you owe.
A budget tells you how you're doing; a spend limit stops the slide. Cap what can leave your wallet per day, per week or per transfer — and Kepper checks every outgoing payment against it before it goes.
Spend limits
Active
₦17,000 used today
₦177,500 used · resets Sunday
₦180,000 to Adaeze O. is over your single-transfer cap. Held — raise the cap or split the payment.
A guided transfer flow to any Nigerian bank account, with the category picked up as you send — so the insight is already correct by the time the money lands.
Send money
To
Adaeze O. · GTBank · ••4471
5399 •••• •••• 2210
Create a virtual card from your wallet balance and pay anywhere online. Every charge lands in the same insight and budget view as the rest of your money — and you can freeze it the second something looks wrong.
Banking apps are built around the transaction. Kepper is built around the question you actually have at month-end: where did it all go, and am I still fine?
Money movement
Every transfer sorted into a category as it happens — in and out, no reading required.
Money movement
A running list of cryptic narrations you decode yourself.
Budgets
Daily, weekly, monthly or per category — with a live read you can check any morning.
Budgets
Usually none — or a monthly PDF statement that arrives too late.
Spend limits
Your own caps, checked before a transfer leaves — with a night to think on any raise.
Spend limits
Channel limits set for the bank's risk, not your habits.
Insight
Six-month trend, top categories and your net position, in one calm view.
Insight
Your balance today, and little else.
Virtual card
Created in seconds, frozen in one tap, and spent inside the same view as everything else.
Virtual card
Branch visits, forms — or no card at all.
“I stopped guessing. The monthly read told me transport was eating ₦40k — I capped it that evening.”
“The single-transfer cap has saved me twice. It holds the payment and makes me sleep on it.”
“Virtual card for subscriptions, budget for everything else. First app that shows me both.”
Gift cards
Buy and manage gift cards without leaving the app you already trust for the rest.
Smart categories
Every movement sorted into a category you can rename, merge or cap.
Goals
Savings targets shaped by the money profile you set up when you join.
Lifetime history
Your wallet's full story, from the day you opened it right up to today.
Your wallet, your data, your call. Kepper protects both the money and the record of it at every step.
Your data is encrypted in transit and at rest using bank-grade standards. Nobody sees it in the clear.
Nothing leaves your wallet without you: recipient name checked, amount shown, confirmation in your hands.
Unlock with Face ID or your device passcode. Your financial profile is never sold or shared.
Get started free
Download Kepper, set your first budget in minutes, and let every transfer explain itself.