SSIVULT
A new chapter in your savings journey

Make room for the life you’re building.

Simple, structured savings plans to help you build consistency, prepare for your goals, and take your next step with more confidence.

Explore savings plans ↗
For students, salary earners, NYSC members, entrepreneurs and anyone building better money habits.
Goal-oriented savingChoose a contribution rhythmBuilt around real-life goals
YOUR SAVINGS JOURNEYPLAN WITH PURPOSE
Small steps. Bigger goals.
A little consistency can move you closer to what matters.
Choose your targetYour goals, your way
Build a routineOne step at a time
Savings that fit real life

Find a rhythm that works for you.

Choose a plan based on your target and how often you prefer to contribute. The examples below reflect savings formats previously offered through Shine Savings; confirm current availability, fees, dates and terms before enrolling.

Frequent contributions

Daily Saver

For people who prefer to build their savings a little at a time.

₦400 / day
Example target: ₦56,000
Build consistency

Five-Day Saver

A regular contribution rhythm to help you stay on track.

₦2,500 / 5 days
Example target: ₦30,000
Monthly routine

Monthly Builder

For savers who prefer to set money aside once a month.

₦50,000 / month
Example target: ₦500,000 over 10 contributions
Salary-friendly

Twice-Monthly Saver

Split your saving routine into two contributions each month.

Custom contribution
Ask us about the current available target options.
Ten-day rhythm

Ten-Day Saver

A structured plan for people who prefer to contribute every ten days.

₦10,000 / 10 days
Example target: ₦100,000
Bigger milestones

Milestone Saver

For larger targets, planned around your preferred contribution schedule.

Custom target
Ask about ₦200,000, ₦500,000 and other target options.

Plan names are descriptive website labels, not confirmed legacy product names. Amounts are examples, not a guarantee of availability. Service fees, start dates, end dates, payment instructions, late-payment rules and withdrawal terms must be confirmed before customers enrol.

A clear place to start

Make your next money move with a plan.

The website helps customers understand the options before speaking with the SIVULT team about enrolment and the current terms.

STEP 01

Choose your goal

Decide what you’re saving for and select a target that makes sense for you.

STEP 02

Pick your rhythm

Explore daily, five-day, ten-day, twice-monthly or monthly contribution formats.

STEP 03

Confirm your plan

Contact the team to confirm availability, the full fee schedule, payment process and terms before starting.

The story behind SIVULT

Better money habits can open up bigger possibilities.

SIVULT is being shaped around a simple belief: people deserve practical tools that help them take more intentional steps with money. Starting with structured savings, the long-term vision is to support a broader journey toward financial confidence and asset ownership.

The savings approach builds on experience gained through Shine Savings, which facilitated ₦63 million in savings in 2026. SIVULT represents the next chapter in that journey.

₦63min savings facilitated by Shine Savings in 2026, as reported by the business. This is a historical activity figure, not a promise of returns or a guarantee of customer outcomes.
Good to know

Frequently asked questions

Clear information helps you choose a savings plan with confidence.

How do I get started?

Send an enquiry about the plan you’re interested in. The team should confirm current availability, eligibility, contribution dates, fees and full terms before you enrol.

Are the amounts on this website final?

No. The amounts are examples based on savings formats previously offered through Shine Savings. Contact the team for the current plan menu and written terms.

Are there fees or late-payment charges?

Fees and any applicable late-payment rules depend on the plan terms. Ask for the current fee schedule and rules in writing before making a commitment.

Does SIVULT offer investment returns?

This page describes structured savings formats only. It does not promise investment returns. Any future investment service should be described separately with accurate risk disclosures and the required regulatory authorisations.

Can I withdraw my savings whenever I want?

Withdrawal eligibility and timing depend on the agreed plan. Confirm the withdrawal, maturity and early-exit terms before enrolling.

Is this website accepting payments?

No. This is an informational prototype. It does not collect payments, bank details or identity documents, and its enquiry form does not send data to a server.

Your next goal starts with a plan.

Tell us what you’re saving for and the contribution rhythm you prefer. We’ll help you identify what to ask about next.