Personal & shared finance · Nigeria

One ledger.
Every wallet.
The people you trust.

Track cash by hand, sync your bank, or open a real account number that sends and receives money. Then share any wallet with the exact permissions you choose, and see who did what.

Download for iOSGet it on Android

Bank linking by Mono · Accounts issued by VFD Microfinance Bank · Banqroll never sees your bank password

AAda · Editor on Groceries
Budget 78% · Food
TTunde · Viewer
Three wallet types · Money Manager / Bank sync / Virtual accountRoles: Owner · Manager · Viewer · custom from 70 permissionsImport statements: CSV XLSX PDF TXT DOCX imagesPay by @tagBudgets · Goals · RecurringEvery action audit-loggedMulti-currency with frozen exchange rates
01 · Wallets

Every wallet.

A manual ledger you fully control. A bank account that syncs itself, read-only. A real account number that moves money. All three in one view, all three shareable.
  • Money Manager — editable, can go negative
  • Bank sync — Mono, read-only, arrives automatically
  • Virtual account — real money, issued by VFD
Editable
Money Manager
₦42,300
Manual · cash and splits
Read-only
GTBank · Bank sync
₦1,308,100
Synced via Mono · 2m ago
Real money
Virtual account
₦1,284,500
1013 4489 22 · VFD MFB
POS/WEB TRF SHOPRITE LEKKI 38250.00
Household ledger · today
ShopriteGroceries−₦38,250
02 · Sharing

Seen together.

Share a wallet, not your password. Give your partner, family or team a role — Owner, Manager, Viewer, or a custom one built from around 70 permissions — per wallet. Every change is logged with who did what.
OwnerManagerViewerCustom · 70 permissions
Household · Groceries wallet
Who can do what
TAK
view_​transactions
create_​transactions
initiate_​transfer
manage_​budgets
delete_​wallet
T
Tobi
Owner
A
Ada
Viewer
T
Tunde
Viewer
Audit log
Tobi · created Groceries wallet · 3d ago
Tobi · set Ada to Editor · 3d ago
Ada · edited Groceries · 2m ago
03 · Sync

Sorted for you.

Link once. Sorted by AI. Provenance always shown. Every synced transaction first passes your own history, then the model — and the ledger tells you which one made the call.
POS/WEB TRF SHOPRITE LEKKI 38250.00
Pre-pass
matches history · 11 prior rows
AI classifier
merchant → Shoprite
S
Shoprite · Groceries
AI_SORTEDGTBank
−₦38,250
04 · Plans

Plans that pace you.

Budgets, goals and recurring rules that run themselves. Budgets track pace and roll over, with alerts at 80% and 100%. Goals mark 25, 50 and 75% and auto-tag contributions. Recurring rules post for you, or just remind.
Budget · September
Food
₦62,400
of ₦80,000 · rollover on
pace · day 21
80% alert
Emergency fund
₦250,000 / ₦500,000
Halfway reached
DSTV
Monthly · 2nd
−₦24,500
Auto-postPauseSkip
Posted 2 Sep · linked to transaction
05 · Move money

Move money.

A real account number. Send by @tag. Your virtual account is issued by VFD Microfinance Bank, PIN-gated on every transfer, and can pay anyone in the directory by their @tag instead of a ten-digit number.
Transfer · Household virtual acct
Completed
A
To
@ada
Amount
₦25,000.00
Platform fee₦0.00
PIN confirmed
14:02:11 · device verified
Sent to bank
14:02:12 · VFD Microfinance Bank
Bank confirmed
14:02:14 · audit-logged
Insights

What your money
is doing.

Category breakdowns, merchants, subscriptions, a forecast with a confidence band, anomalies, and a graded health score with fixes you can actually do.

Health score
A−

15% unsorted this month. Sort it →

Forecast · end of month80% confidence band
₦3.0m₦2.2mtoday · 21 Sep₦2.78m
Subscriptions detector
D
DSTV
3 months · every 2nd
₦24,500
S
Spotify
5 months · every 14th
₦1,300
Turn DSTV into a rule
Anomalies
New merchant · Jumia
3.4× your usual Shopping spend
−₦156,000
Looks rightSplit it
Per-person spend · Household
AAda₦184,200
TTobi₦121,900
TTunde₦96,500
For you · ranked
Payday pattern
Salary usually lands on the 26th. Rent is due the 1st — you're covered by ₦450,000.
Budget
Food is ahead of pace. At this rate you'll hit 100% on the 27th.
Unsorted
6 transactions still need a category, including Shoprite · ₦38,250.
Goal
Emergency fund passed 50%. Next milestone at ₦375,000.
Import

Bring the old statements too.

Drop in any statement your bank has ever sent you. AI extracts the rows, you review them, and duplicates are caught before anything touches the ledger.

CSVXLSXPDFTXTDOCXJPG/PNGAI extraction
Partners operational · all mutations verified server-side

Banqroll is not a bank. That’s the point.

Regulated partners hold your money

Mono links your bank accounts read-only. VFD Microfinance Bank issues and holds your virtual account. Banqroll never touches the balance itself.

MonoVFD MFB
We never see your bank password

Your credentials stay with your bank and Mono. Banqroll only ever receives read access to transactions — never a login.

Every action is checked and logged

Every mutation is re-checked server-side against your role, and every change on a shared wallet is recorded — who did what, and when.

Questions

Frequently asked.

No. Banqroll is not a bank. Regulated partners hold accounts and credentials — Mono for linked bank accounts, and VFD Microfinance Bank for the virtual account — and Banqroll layers budgeting, sync and sharing on top.

Launching soon · Nigeria first

Money, seen together.

Download for iOSGet it on Android

Bank linking by Mono · Accounts issued by VFD Microfinance Bank · Banqroll never sees your bank password