Cirva

We all know how group contributions work. Someone collects the money, someone keeps the records, and somehow it always gets messy. Cirva fixes that.

Cirva is built for the way we actually save together. Set up a contribution group, invite your people, pick how much and how often everyone pays in, and let the app handle collections, rotations, and payouts automatically.

HERE'S WHAT YOU CAN DO WITH CIRVA:

GROUP CONTRIBUTIONS
Start a savings group in minutes. Choose between rotational payouts, locked pools, milestone-based goals, or flexible structures. Contributions happen on schedule, payouts are automatic, and everyone can see exactly where the money is.

PERSONAL SAVINGS
Set a target amount and a deadline, then watch your progress. Or go flexible and save whatever you can, whenever you can. Want to lock your money away so you don't touch it? We've got that too.

LOANS FROM YOUR GROUP
Sometimes you need cash before your turn comes around. Request a loan from the group pool, get approval from your admin, and receive the funds directly in your wallet. Repay on terms that work for you.

BILL PAYMENTS
Buy airtime and data bundles for MTN, Airtel, Glo, or 9Mobile. Pay for DSTV, GOtv, Startimes. Handle electricity (prepaid or postpaid), internet subscriptions, and more. Save your frequent billers so repeat payments take seconds.

YOUR WALLET
Fund your wallet through bank transfer or card payment. Get a dedicated virtual account for easy deposits. Transfer money to other Cirva users or withdraw to any Nigerian bank account.

GROUP CHAT
Talk to your group members without switching apps. Share updates, send reminders, or just keep the conversation going.

SECURITY YOU CAN COUNT ON
Your money and your data are protected. We use BVN verification, biometric authentication, AES-256 encryption, and real-time alerts so you always know what's happening with your account.

WHO IS CIRVA FOR?

Friend groups who contribute money together
Families saving toward shared goals
Coworkers running an office thrift scheme
Anyone who wants a structured way to save
People tired of tracking contributions in notebooks
No hidden fees. No guesswork. No more "I'll pay you next week."

Download Cirva and take the stress out of saving together.