Scheduled transfers to any Nigerian bank or wallet
A scheduled transfer is a payment you set up once that goes out by itself on the day and time you choose. With SpenDrip you can schedule transfers daily, weekly or monthly, to your own account or to anyone with a Nigerian bank or wallet account.
Updated 3 October 2026
How a scheduled transfer works on SpenDrip
Each schedule is called a drip. You write it as one sentence:
Send ₦40,000 for ⛽ Fuel to Me every Friday at 2:00 PM.
- Choose who gets it. Yourself, Mum, a sibling, a driver, anyone with a Nigerian bank or wallet account. SpenDrip shows the name on the account before you save it.
- Choose how often. Every day, every week on a day you pick, or every month on a date you pick (or the last day of the month).
- Choose when it starts and stops. Start today or on a date, then let it keep going, run for a number of months, or stop on a set date.
- Top up your SpenDrip balance. SpenDrip adds up what the month needs, fees included, and tells you the exact amount.
On the day, the money goes out at the time you chose (Lagos time). The person can get a WhatsApp message when it lands, and you get an email receipt.
What people schedule
| Drip | How often | Example amount |
|---|---|---|
| ⛽ Fuel to yourself | Every Friday | ₦40,000 |
| 🍲 Upkeep for home | Every morning | ₦5,000 |
| 💛 Mum's monthly money | Every month on the 28th | ₦30,000 |
| 🎓 Child's school allowance | Every Monday until the session ends | ₦10,000 |
| 🚗 Driver's weekly pay | Every Saturday | ₦25,000 |
What happens when your balance is short
You can rank up to three drips as priorities. SpenDrip keeps back the money your priorities still need for the rest of the month, so a lower drip waits instead of spending it. When a drip has to wait, you get a note with the exact amount to top up.
A drip never sends money you don't have, and a transfer that fails goes straight back to your balance.
What it costs
Joining is free. Each drip that goes out has three small fees, all shown line by line before you start a plan:
| Each drip of | SpenDrip fee | Transfer fee | Stamp duty | Total fees |
|---|---|---|---|---|
| Up to ₦5,000 | ₦50 | ₦10 | ₦0 | ₦60 |
| ₦5,001 to ₦9,999 | ₦50 | ₦25 | ₦0 | ₦75 |
| ₦10,000 to ₦50,000 | ₦50 | ₦25 | ₦50 | ₦125 |
| Above ₦50,000 | ₦50 | ₦50 | ₦50 | ₦150 |
Transfer fees are Paystack's published rates. The ₦50 stamp duty on transfers of ₦10,000 and above is a government charge paid by the sender from 2026 (TheCable). See the full fees page and calculator.
Questions people ask
Can I schedule a transfer to someone else's bank account?
Yes. You can send to yourself or anyone with a Nigerian bank or wallet account. SpenDrip checks the name on the account before you save the person.
Can a scheduled transfer stop on its own?
Yes. When you set up a plan you can let it keep going, run it for a number of months, or stop it on a date. You see the last payment and the total before you save.
What time does the money go out?
At the time you choose, Lagos time. Transfers usually land within minutes.
Can I pause or cancel a scheduled transfer?
Yes, any time. Pause one plan, pause everything with one switch, change the amount or day, or delete the plan. Past payments stay in your history.