Frequently Asked Questions
New to Delight Finance and got questions? Hopefully we can answer them below!
Getting started
Delight is a money management app for people in Nigeria that lets you plan your money in budgets and spend directly from them. You get your own account number, add money by bank transfer, and move it into budgets for things like rent, food or school fees. You then pay bills and send money from those budgets, so each balance shows what is really left for that purpose. You can also add controls, schedule payments and share a budget with people you trust.
No, Delight is a money management app, not a bank. Your Delight account number is provided through our partner bank, Sterling Bank, and that is where the money in your wallet and budgets is held. Delight provides the budgets, controls, automations and other tools you use to manage that money.
Anyone aged 18 or older with a Nigerian National Identification Number (NIN) can open a Delight account. During sign-up you'll also need a phone number and an email address you can verify, your home address, a next of kin, and a quick selfie to confirm it's you. Delight is available on iPhone and Android.
Yes. Delight is free to download, there's no subscription, and Delight doesn't charge fees of its own. When you send money to a bank account, the standard Nigerian bank transfer charge applies, plus the government's ₦50 stamp duty on transfers of ₦10,000 or more, as at any Nigerian bank. Bill payments, transfers to other Delight users and moving money between your budgets have no charge.
Download Delight from the App Store or Google Play and follow the sign-up steps. You'll confirm your phone number and email with one-time codes, enter your name as it appears on your ID, add your NIN, date of birth and address, add a next of kin and take a selfie. Finally, you'll create a 4-digit passcode for opening the app and a 6-digit transaction PIN for approving payments.
At the end of sign-up, Delight offers two ways to set up your first budget: “Set up with Delight AI”, a guided chat that builds a budget with you, or “Upload a budget”, where you import a spreadsheet or a photo of a budget you already have. You review the plan and can change names and amounts before anything is created, and no money moves until you fund a budget.
Money moves in three steps: into your wallet, into your budgets, then out from a budget. First, you add money to your Delight wallet by bank transfer to your account number. Next, you move it from the wallet into budgets, yourself or automatically with auto-funding. Then you pay bills or send money from a budget. The wallet only funds budgets; every payment comes out of a budget, so it stays tied to its purpose.
Delight is not a bank, a lender, an investment platform or a savings account that pays interest. It doesn't pay interest on your wallet, budgets or Stacks, and it doesn't lend money. It is also more than an expense tracker: your budgets hold real money that you spend from, instead of labels you add after spending.
What do I need to verify my account?
To open an account you need your NIN, your date of birth, your home address, your name exactly as it appears on your ID, and a selfie, which is a quick liveness check that confirms it's really you. If you don't know your NIN, dial *346# to retrieve it. To raise your limits later, Tier 2 asks for your BVN (and may ask for a photo of a valid ID), and Tier 3 asks for a utility bill for your address.
Do I need a BVN to sign up?
No, you can open a Delight account with your NIN. If a BVN step appears during sign-up, you can choose “Skip for now”. Your BVN is used later, when you upgrade to Tier 2 to raise your daily transfer limit and maximum balance.
What are account tiers?
Your tier is your verification level, and it sets how much you can send each day and hold in Delight. Tier 1 (NIN and selfie) allows ₦50,000 in transfers a day and a ₦300,000 maximum balance. Tier 2 (adds BVN) allows ₦100,000 a day and ₦500,000. Tier 3 (adds address verification) has no daily transfer limit or maximum balance. On Tier 1 and Tier 2, your tier shows under your total balance on the Home screen; tap it to upgrade.
How do I upgrade to Tier 2?
Open Settings and tap “Verify BVN”, then follow the steps. You'll enter your 11-digit BVN, and the app may also ask for a clear photo of a valid government ID. Tier 2 raises your daily transfer limit to ₦100,000 and your maximum balance to ₦500,000. Your current limits stay in place until the upgrade is confirmed.
How do I upgrade to Tier 3?
Once you're on Tier 2, open Settings and tap “Upgrade to Tier 3”. Enter your home address and upload a utility bill for that address, dated within the last 3 months. Our team checks it manually, which usually takes 1–2 business days, and you'll get an email when your account is upgraded. Tier 3 removes the daily transfer limit and the maximum balance.
What if my verification doesn't go through?
Check that the name, date of birth and NIN you entered match your NIN record exactly, and retake the selfie in good light with your whole face in view. For Tier 3, make sure the utility bill clearly shows your address and is less than 3 months old. If you're still stuck, use the “Contact support” link on the screen or email support@delightfinance.ai, and we'll help you finish.
Where do I find my Delight account number?
Your Delight account number is on the Home screen; tap it to copy. It's a personal account number provided through our partner bank, Sterling Bank, and you can share it like any other account number. Money sent to it lands in your Delight wallet.
How do I add money to Delight?
Send a bank transfer to your Delight account number from any bank app, internet banking or USSD. The money lands in your Delight wallet, and if auto-funding is on, it then moves into your budgets automatically. Bank transfer is the only way to add money: you can't top up with a card, and Delight doesn't connect to your accounts at other banks.
How long does it take for money to arrive?
Transfers into Delight usually arrive within a few minutes, depending on the sending bank. If the money hasn't shown up after about an hour, check that it went to the right account number, then email support@delightfinance.ai with your transfer receipt or session ID so we can trace it.
I sent money but my budgets received less. Why?
Part of the money was most likely set aside in your transfer charges reserve before auto-funding filled your budgets. The reserve is a small amount of your own money, between ₦200 and ₦2,050 depending on your total balance, kept in your wallet to cover bank transfer charges. It's still your money. Tap “Transfer charges reserve” on your Home balance to see it.
Does Delight pay interest on my money?
No. Delight doesn't pay interest on money in your wallet, your budgets or your Stacks. Delight is for planning and spending your money with purpose, not a savings account that earns returns.
Is there a limit to how much money I can add?
There's no minimum, but the total you can hold depends on your tier: ₦300,000 on Tier 1, ₦500,000 on Tier 2, and no maximum on Tier 3. Money can still arrive above your limit, but spending is paused until you upgrade, and we'll email you if that happens.
How do I move money back to my other bank account?
Send it to yourself from a budget, the same way you'd pay anyone else: tap “Spend” on a budget and enter your own bank account as the recipient. The standard bank transfer charge applies. There's no direct transfer from the wallet, so if the money is still in your wallet, move it into a budget first.
What is a budget in Delight?
A Delight budget holds real money for one purpose, like rent, food or school fees. You fund it from your wallet and pay directly from it, so its balance always shows what's actually left for that purpose. If your ₦60,000 food budget shows ₦8,000, that is ₦8,000 you really have for food, not an estimate.
What is the difference between a group and a sub-budget?
A group organises related budgets, while a sub-budget holds money you spend from. For example, a “Monthly expenses” group could hold sub-budgets for food, transport and data. You can spend only from budgets that don't contain other budgets: a sub-budget or a standalone budget. Groups can hold smaller groups, up to three levels deep.
How do I create a budget?
Open the Budgets tab and tap “Create new”, then choose “Start from scratch”, “Create from text”, “Import from photo” or “Import from spreadsheet”. You can also use a ready-made template from the “Templates” tab (Monthly, Events, Vacation, Freelance and Business), or ask Delight AI to build one with you. You'll set the amount, how long it runs, whether it repeats, how it's funded and any spending alerts.
Can I import a budget I already have?
Yes, from text, a photo or a spreadsheet. Tap “Create new” on the Budgets tab, then choose “Create from text” to type or paste a list, “Import from photo” to scan a paper budget or screenshot, or “Import from spreadsheet” to upload an Excel (.xlsx) file. Delight turns it into budgets you can review and edit before you use them. Password-protected spreadsheets can't be read, so upload an unprotected copy.
How long can a budget run, and can it repeat?
A budget can run for 1 day, 1 week, 1 month (30 days), 1 quarter, 1 year, or until a custom end date. It can start today, tomorrow or on a date you choose; budgets that start later show under “Pending”. Choose “Yes, repeat automatically” to renew it each period. Weekly, monthly, quarterly and yearly budgets can renew on a day you pick, such as your payday.
What happens to leftover money when a budget period ends?
For a repeating budget, you choose one of three options. “Rollover to Next Period” carries unspent money into the next period. “Fresh Start + Surplus” resets the budget and moves unspent money into a surplus you can spend anytime. “Return to Wallet” sends unspent money back to your wallet. When a one-time budget ends, anything left goes back to your wallet.
What is surplus?
Surplus is extra money a budget holds outside its regular balance, for example unspent money kept under “Fresh Start + Surplus”, or money returned from a Stack or drip mode. If a payment is bigger than the budget's balance, Delight uses the surplus automatically. You can also move surplus into the balance with “Use surplus” in the budget's menu.
How do I put money into a budget?
Open the budget, tap “Fund” and enter an amount from your wallet balance. A budget can take in up to its planned amount; once it's fully funded, raise its amount or allow overspending to add more. Funding a group fills the sub-budgets inside it that still need money. You can also turn on auto-funding so budgets fill themselves.
What is auto-funding?
Auto-funding moves money from your wallet into your budgets automatically, whenever money arrives in your wallet and when a repeating budget starts a new period. Budgets are filled in the order you choose: open a budget's menu, tap “Funding priority” and drag budgets up or down. The top of the list is funded first.
Can I move money from one budget to another?
Yes. Open the budget you're moving money from, tap “Reallocate funds” in its menu, pick the receiving budget, and enter the amount and a short reason. Moving money between your own budgets is free. You can't move money out of a locked budget, the receiving budget can't go above its planned amount, and any spending limits on the first budget still apply.
Can I spend more than a budget's amount?
Only if you allow overspending for that budget in its spending settings. You choose how much extra it can take, such as 25%, 50% or 100% of its amount, and you can then add that extra money and spend it. The permission lasts for the current cycle only; when a repeating budget starts a new cycle, overspending switches off until you turn it on again.
Can I change a budget after creating it?
Yes. Open the budget and tap “Edit budget” to change its name, amount, spending alerts, funding and leftover settings. A few rules apply: the amount can't go below what's already spent, the duration can't change while a period is running, and a locked budget can't be edited until it unlocks. To move a sub-budget into another group, use “Move budget”.
How do I close a budget?
Open the budget's menu and choose “Close budget”. You close a budget from its top level, so for a sub-budget, open its group. Any money left returns to your wallet, and automations on the budget are cancelled. You can't close a budget while it's locked, has an active Stack or has a payment still processing. If a spending limit is active, the app shows any penalty before you confirm.
How do I pay someone from a budget?
Tap “Spend” on a budget or on the Home screen, choose or add a recipient, enter the amount and approve with your transaction PIN or biometrics. The money comes out of that budget and its balance updates. If the budget is locked, the button reads “Unlock to spend” instead.
Can I send money to any Nigerian bank account?
Yes, to any bank or microfinance bank in the app's bank list. Enter the 10-digit account number and choose the bank, and Delight checks the account and shows the account holder's name before you send, so you can confirm it's the right person. The standard bank transfer charge applies.
How do I send money to another Delight user?
When choosing a recipient, type @ and their username to find them. Transfers to other Delight users are free and arrive in their Delight wallet.
Can I pay from more than one budget at once?
Yes, for bank transfers and transfers to Delight users. On the “Set amounts” screen, tap “Add another budget” and choose how much comes from each one, including budgets shared with you. You can combine up to 20 budgets, and the total must be at least ₦100.
What if a budget doesn't have enough for a payment?
You have a few options. If the budget has surplus, Delight uses it automatically. You can tick “Also use wallet balance”, and Delight moves the difference from your wallet into the budget before paying, up to the budget's planned amount. You can also split the payment across several budgets, or move money in with “Reallocate funds”.
What does “Scan” do?
“Scan” reads an account number with your camera, from paper, a screen or a photo, so you don't have to type it. Tap “Scan” on the Home screen, point it at the account number, check the details it finds, then pick a budget and send. Delight still verifies the account holder's name before you pay.
How do saved recipients work?
The people, bank accounts and billers you pay are saved as recipients, so next time you just pick them. Manage them in Hub > “Recipients”, where you can add, remove and favourite recipients and see how much you've spent with each. You can also link recipients to a budget so they show up when you pay from it.
What bills can I pay with Delight?
You can buy airtime and data for MTN, Glo, Airtel and 9mobile, pay for internet including Spectranet and Smile, buy prepaid or pay postpaid electricity, and pay TV subscriptions for DStv, GOtv, Startimes and Showmax. Tap “Bills & Utilities” on the Home screen, pick the bill type, provider and budget, and approve. For electricity and TV, Delight first shows the customer name for the meter or smartcard, so check it before you pay. Bill payments have no charge.
Where do I find my electricity token?
Your token shows on the payment result and in the transaction details after a successful prepaid purchase. If the purchase produces more than one token, they're listed in order as Token 1, Token 2 and so on. Postpaid payments don't produce a token. You can share the receipt, including the token, from the transaction details.
I sent money to the wrong account. Can Delight reverse it?
Delight can't reverse a completed transfer on its own. Open the transaction, tap “Report Issue”, choose “Other Issue” and explain what happened, and our team will review it. Getting the money back depends on the receiving bank and the account holder, so always check the account name Delight shows before you approve.
What do I do if a payment failed or didn't arrive?
If a payment fails, the money goes back to the budget it came from. If it shows as successful but the recipient hasn't received it after 1–2 hours, open the transaction, tap “Report Issue” and choose “Delivery Issue”. For a payment you didn't make, choose “Fraud / Unauthorized”. You'll get an email when we receive your report and another when it's resolved.
Can I get a receipt for a payment?
Yes. Open the transaction and tap “Share receipt” to save or send it. You can also attach a photo of a paper receipt to any transaction with “Add a Receipt”, and Delight reads the details for your records.
What is the Delight Zero Card?
The Delight Zero Card is a physical debit card for everyday payments at POS terminals and ATMs across Nigeria. It's called “Zero” because it isn't designed to hold money permanently: it carries only the amount you release from your budgets for a spend, and returns to zero when that spend ends.
How do I put money on the card?
When you're ready to spend, choose one or more budgets to pay from and the amount. That amount is reserved from those budgets and becomes available on your card. The card never takes money from your wallet or your budgets on its own.
Can the card reach the rest of my money?
No. The Delight Zero Card has no access to your wallet or your budgets. It can only spend what you've released to it for an active spend, so outside a spend there is nothing on the card to use.
Can I fund one card spend from more than one budget?
Yes. You can fund a single card spend from several of your budgets, for example Groceries and Household for one market run. Delight records how much came from each budget, so any unused money goes back to the right place.
Where can I use the Delight Zero Card?
You can use it at POS terminals and ATMs across Nigeria. It works like a regular debit card, while each payment stays connected to the budget it came from.
Who issues the Delight Zero Card?
The Delight Zero Card is an AfriGo debit card issued by Sterling Bank. AfriGo is Nigeria's national card scheme. Delight provides the budgets, controls and app that decide what the card can spend.
What happens to money I don't spend?
You can return any unused amount to your budgets yourself at any time. If you don't, it goes back automatically when the spend's countdown ends, to the budgets it came from, and your card balance returns to zero.
Why is there a countdown?
The countdown stops money from being left on your card indefinitely. A spend stays available for 3 hours by default, and you can set it for up to 24 hours. The app always shows how much is available on the card and how long it will remain there. When the countdown ends, any unused amount returns to the budgets it came from.
How do I pre-order the Delight Zero Card?
Every Delight user can pre-order. Open the Delight app and go to the Cards tab on the Home screen. Choose the name to print on your card, pay the ₦2,000 pre-order from your wallet or one of your budgets, review the terms, swipe to confirm and approve with your transaction PIN.
Is the pre-order refundable?
No. The ₦2,000 pre-order payment is non-refundable once it's confirmed. It reserves one Delight Zero Card for you from the first batch of 1,000 cards.
When will I get my card, and is there a delivery fee?
Production of the first batch is estimated at 4–6 weeks. When your card is ready, Delight will ask for your delivery details in the app and show the delivery fee before you pay it. The ₦2,000 pre-order doesn't include delivery.
Do I need a higher tier to get a card?
No. Your tier sets your limits, such as how much you can hold and send each day, but it doesn't decide whether you can get a Delight Zero Card.
What is a budget lock?
A lock stops all spending from a budget until a condition you choose is met. While it's locked, you can't spend from it, send from it, move money out of it, edit it or close it, but you can still add money to it. Locks help keep money for rent, fees or other commitments out of everyday reach.
What kinds of locks can I set, and for how long?
You can lock a budget for the “Next 24 hours”, “Until Fully Funded” (it unlocks when the budget reaches its planned amount), “Every Weekend” (Saturday–Sunday), “Every Weekday” (Monday–Friday), or a “Custom Duration”. A lock must last at least 6 hours. On a repeating budget it can last up to 1 month; on a one-time budget, until the budget ends.
How do I lock a budget?
Open the budget and tap “Add Control”, or go to Hub > “Controls”, and choose a lock. Pick how long it lasts, then write a short note (10 to 200 characters) about why this lock matters to you; it's shown on the lock's details as a reminder. Read the terms, tick to agree and swipe to lock. Locks work on sub-budgets and standalone budgets, not on groups.
Can I unlock a budget early?
Yes, you can unlock early at any time, with a penalty you agree to when you set the lock. Open the lock in Hub > “Controls” and choose to unlock. Unlocking a timed or repeating lock early costs 2% of the budget's balance, and an “Until Fully Funded” lock costs 5%. You'll give a short reason and see the exact amount before you confirm, and it's taken from the budget.
How is the early unlock penalty worked out?
The penalty is a percentage of the budget's balance when you unlock: 2% for timed and repeating locks, 5% for “Until Fully Funded” locks. For example, unlocking a timed lock early on a budget holding ₦50,000 costs ₦1,000, leaving ₦49,000 to spend. Once you confirm, the penalty is charged immediately and can't be undone.
How do repeating locks work?
“Every Weekend” locks the budget each Saturday and Sunday, and “Every Weekday” locks it Monday to Friday. The pattern repeats until you stop it. To stop it, open the lock in Hub > “Controls” and tap “Stop Recurring Lock” when it isn't in a locked period, or choose to stop the pattern when you unlock early.
Do automations run from a locked budget?
No. A scheduled payment from a locked budget won't go through. About 30 minutes before a scheduled payment, Delight notifies you if a lock or low balance will stop it, so you can plan your lock around payments that need to go out.
What is a spending limit?
A spending limit sets a maximum for how much you spend from a budget, either per payment or over a period of time. Unlike a lock, a limit doesn't block you: you can still go over it after confirming, and a 5% penalty applies to the amount above the limit. You can set up to 10 active limits on one budget.
What kinds of spending limits can I set?
There are two kinds. A “Per-Transaction Limit” caps each single payment, for example no payment above ₦5,000. A “Period Spending Limit” caps your total over a time window: “Next 24 hours”, “Every Weekend”, “Every Weekday”, the whole “Budget Duration”, or a “Custom Duration” of at least 6 hours. The lowest limit you can set is ₦100.
What happens if I go over a spending limit?
Delight shows that the payment is above your limit, tells you the penalty, and asks you to confirm or cancel. If you go ahead, the penalty is 5% of only the amount above the limit, taken from the budget's balance. For example, with a ₦10,000 limit, a ₦12,000 payment is ₦2,000 over, so the penalty is ₦100. Moving money out with “Reallocate funds” counts towards limits too.
Can I change or turn off a spending limit?
Yes, from Hub > “Controls”, where you can switch a limit off or delete it, with no penalty for doing so. Some changes have to wait until the limit's current time window ends; for repeating limits, use “Stop Recurring Limit” to end the pattern. Limits can't be added while the budget is locked.
Do spending limits apply to automations?
Automations aren't blocked by spending limits and aren't charged the limit penalty, because they're scheduled in advance. Delight still records when an automated payment goes over a limit. Locks and drip mode do apply to automations.
What is drip mode?
Drip mode makes a set amount of a budget's money available for each period, like ₦5,000 a day for food, instead of the whole balance at once. While it's on, the “Available Drip” is the only amount you can spend from that budget, and surplus or wallet top-ups can't increase it. Drip mode doesn't send money anywhere; it only controls how much you can spend.
How often can drip mode release money?
You can choose “Daily” (resets every day), “Weekly” (resets every Monday), “Week Days” (Monday–Friday), “Week End” (Friday–Sunday) or “Custom” for another length. The smallest drip amount is ₦100. You can also choose whether the drip renews with its budget each cycle.
What happens to drip money I don't spend?
You choose when you set it up. At the end of each drip period, unspent money can “Return to Main Wallet”, “Roll over to next Drip” (added to the next period's amount) or “Send to budget surplus”. You can change this later in the drip's settings under Hub > “Controls”.
Can I turn off drip mode?
Yes, at any time and without a penalty. Open the drip in Hub > “Controls” and deactivate it. Before you confirm, Delight shows the reason you gave when you set it up and what will happen to unspent drip money.
What's the difference between drip mode and a spending limit?
A spending limit can be exceeded after you confirm, with a 5% penalty on the amount above the limit. Drip mode can't be exceeded: only the current period's “Available Drip” can be spent. Drip mode has no penalty, and you can switch it off if your plans change.
What are automations?
Automations are payments that Delight makes from a budget on a schedule you set. You can automate a bank transfer or an airtime and bills payment, once on a date or repeatedly, to one or many recipients. For example, you could send ₦30,000 to a family member on the 1st of every month from a “Family” budget.
How do I set up an automation?
Open the “Automate” tab, or tap “Automate” on a budget. Choose “Bank transfer” or “Airtime & bills”, one or many recipients (with the same or different amounts), enter the amount and a description, add recipients, set the schedule, and choose whether Delight should ask for your approval before each payment. The first payment must be at least 30 minutes away.
What schedules can automations follow?
An automation can run once, or repeat daily, every few days, weekly on a chosen day, monthly on a date (such as the 25th), monthly on a pattern (such as the last Friday), in chosen months only, or yearly. You can set an end date. Times follow Nigerian time (WAT), and payments run at or shortly after the scheduled time.
Can I approve each automated payment before it goes?
Yes. Choose “Yes, request approval” and when Delight should ask: 10 minutes, 15 minutes, 30 minutes or 1 hour before, or a custom time. If you don't respond in time, that payment is cancelled, and you can retry it manually. You can get approval reminders by push, email, in-app notification or SMS. With “No, don't request approval”, payments run automatically.
What if my budget doesn't have enough when an automation is due?
The payment won't go through. About 30 minutes before each scheduled payment, Delight checks the budget and notifies you if its balance, a lock or drip mode will stop the payment, so you have time to add money. If a payment fails, you can retry it from the automation's payment history.
Why didn't my automation run?
The usual reasons are that the budget didn't have enough money (balance plus surplus), the budget was locked, drip mode didn't have enough “Available Drip”, the budget had ended with no new period, or the bank or bill provider didn't complete the payment. Open the automation and tap the payment to see what happened.
Do charges and limits apply to automations?
Yes, the same as payments you make yourself. An automated bank transfer carries the standard bank transfer charge, stamp duty on ₦10,000 or more, and counts towards your tier's daily transfer limit. Automated bill payments have no charge. Spending limits don't block automations or charge a penalty.
How do I pause, change or cancel an automation?
Open the automation and go to “Automation settings”. You can change its name, recipients, amount, approval reminder or schedule, or choose “Pause automation”, “Resume automation”, “Cancel automation” or “Delete automation”. For a single upcoming payment, you can edit its amount or skip it. Closing a budget also cancels its automations.
What is a shared budget?
A shared budget is a budget you let up to 3 other Delight users spend from. It suits a spouse, family member or someone who pays for things on your behalf, such as groceries, fuel or repairs. The money stays yours, and they can only spend what's in that budget.
How do I share a budget?
Open the budget, tap its menu and choose “Share budget”. Search for the person by their @username, confirm, and enter your transaction PIN. Their access starts straight away, and the budget appears under “Shared” in their Budgets tab. You can share an active budget that doesn't contain other budgets.
What can people I share a budget with do?
They can spend from it: send money, pay bills and save recipients to it, approving with their own transaction PIN. They can't add money to it, edit its settings, add or remove controls, move money out to their own budgets, share it with anyone else or close it. Only you fund it, and they see their own transactions from it.
Can I see what others spend from my shared budget?
Yes. Every payment from the budget appears in its transactions with “Spent by” and the person's name. Both you and the person who made a payment can open it and tap “Report Issue” if something goes wrong.
Do controls and charges apply to people I share with?
Yes. Every lock, spending limit and drip on the budget applies to everyone who spends from it. If someone goes over a spending limit and confirms, the 5% penalty comes from the budget's balance. Bank transfer charges on their payments come from your transfer charges reserve, because the money is yours.
How do I stop sharing a budget?
Open the budget, choose “Update sharing” and remove the person. Their access ends immediately, and payments they already made stay in the budget's history. Sharing also ends automatically if you close the budget or add sub-budgets to it.
How is a shared budget different from a joint account?
In a joint account, everyone co-owns all the money in it. With a Delight shared budget, you keep ownership: you pick one budget, decide how much goes in, set its rules and can remove someone at any time. The people you share with can spend only what's in that budget, never your wallet or your other budgets.
What is a Stack?
A Stack is a savings goal attached to a repeating budget, built for a large payment that comes around, like yearly rent or school fees. You set a target amount and usually a due date, and money builds up in the Stack until it unlocks. Stacks live in the “Grow” tab.
Do Stacks earn interest?
No. Stacks don't pay interest or returns. A Stack simply keeps money set aside for your goal: what you put in is what you'll have, unless you close a locked Stack early and pay the early-closure penalty.
How do I create a Stack?
Open a repeating budget and tap “Create Stack”, or start from the “Grow” tab. Name it, set your target, choose a due date (or no due date), decide what percentage of each funding goes into the Stack, and choose whether you can take money out early. Then read the terms and swipe to confirm. A budget can have one active Stack at a time.
How does money get into a Stack?
Each time you fund the Stack's budget, the percentage you chose moves into the Stack automatically. You can also add money directly from your wallet with “Fund Stack”, or move money in from another budget with “Reallocate funds”.
Can I take money out of a Stack before it's due?
It depends on what you chose when you set it up. “No, lock until due” keeps the money in until the due date. “Yes, but a limited amount” lets you take out up to a set amount, for emergencies. “Yes, unlock when fully funded” releases the Stack as soon as you reach your target. You can also close a Stack at any time.
What happens if I close a locked Stack early?
Closing a locked Stack before it reaches its target costs 5% of its balance, a penalty you agree to when you set it up. Delight shows the exact amount before you confirm, and you choose whether the rest goes to your wallet or to the budget's surplus. Closing a Stack that's unlocked or has reached its target has no penalty.
What happens when a Stack reaches its due date?
The Stack unlocks and its money is available to spend for 7 days. After that, anything left moves to the budget's surplus. If the Stack repeats, a new cycle then starts towards the next due date.
What is Delight AI?
Delight AI is an assistant inside the app that understands your Delight account and can act on it for you. You can ask questions like “How much is left in my food budget?” or ask it to create a budget, move money between budgets or pay a bill. It shows you exactly what it will do and waits for your approval; because AI can make mistakes, check the details before you approve. Open it from the button on the Home screen or Hub > “Delight AI”.
What can Delight AI do?
Delight AI can answer questions about your balances, budgets, transactions, recipients and automations. It can create, activate and edit budgets; fund budgets and move money between them; add locks, spending limits and drip mode, and unlock a lock early; set up automations; save recipients; send money and pay bills; and, with your confirmation, report a problem with a transaction or open a support case.
What can't Delight AI do?
Some actions stay in the app. Delight AI can't share a budget, remove or loosen a control (other than unlocking a lock early), add or remove sub-budgets, close a budget, create a Stack or upload identity documents. It also can't take money out of a budget into your wallet, because Delight doesn't have that action.
Does Delight AI need my PIN?
Yes, for anything that sends money out or gives spending power away. Before Delight AI sends money, pays a bill, unlocks a lock early or sets up an automation that runs without asking you, it shows a review card and asks for your transaction PIN on a secure PIN screen, never in the chat. Changes that stay inside your own budgets, like moving money between them, need only your confirmation.
Is Delight AI on by default, and can I turn it off?
No, Delight AI stays off until you agree to use it. The first time you open it, it explains what information it uses and which AI providers process it, and you choose “Continue with Delight AI” or “Not now”. You can switch it on or off anytime in Settings > “Customize” > “Delight AI”; when it's off, its button disappears from the Home screen.
What information does Delight AI use?
Delight AI uses your messages, voice transcripts and the Delight information needed for your request, such as budget names, balances, transactions and recipients. It's processed by the approved AI providers named on the consent screen. Delight sends only what the request needs, doesn't sell this data or use it for advertising, and its AI providers may not use it to train their general models. Delight doesn't intentionally send your PIN, passwords or one-time codes.
Can I speak to Delight AI instead of typing?
Yes. Tap the microphone in the chat and speak in English; Delight turns your voice into text and handles it like a typed message. Voice has a daily allowance of about 10 minutes of recording.
How much does it cost to send money to a bank account?
Each bank transfer carries the standard Nigerian bank transfer (NIP) charge: ₦10.75 for amounts up to ₦5,000, ₦26.88 for ₦5,000.01 to ₦50,000, and ₦53.75 above ₦50,000. Transfers of ₦10,000 or more also carry the government's ₦50 stamp duty. Delight doesn't add a fee of its own; these are the same kinds of charges you pay at any Nigerian bank.
What can I do on Delight without any charge?
Opening your account, adding money, moving money into and between your budgets, transfers to other Delight users, and bill payments for airtime, data, electricity and TV have no charge from Delight. Charges only apply when you send money to a bank account, and those are the standard bank transfer charges and stamp duty.
What is the ₦50 stamp duty?
The ₦50 stamp duty is a government levy (the Electronic Money Transfer Levy) on bank transfers of ₦10,000 or more. It isn't a Delight fee; Delight applies it to those transfers as every Nigerian bank does. It doesn't apply to bill payments or transfers to other Delight users.
Do transfer charges come out of my budget?
No. Transfer charges and stamp duty come out of your transfer charges reserve in your wallet, not the budget you pay from. So if you send ₦20,000 from a ₦20,000 budget, the budget pays exactly ₦20,000. You can see the charges for each payment under “Fees” in its transaction details, and totals in Reports.
What is the transfer charges reserve?
The transfer charges reserve is a small amount of your own money that Delight keeps in your wallet to pay bank transfer charges, so they don't reduce your budgets. It ranges from ₦200 to ₦2,050 depending on your total balance and is topped up from money arriving in your wallet. It's still your money, and Delight returns what isn't needed to your wallet.
Are there penalties for breaking a control?
Yes, but only if you set a control and later choose to break it. Unlocking a lock early costs 2% of the budget's balance (5% for an “Until Fully Funded” lock). Going over a spending limit costs 5% of the amount above it. Closing a locked Stack early costs 5% of its balance. You agree to these when you set the control, the app shows the amount before you confirm, and a confirmed penalty can't be undone.
What are my daily transfer limits?
Your daily transfer limit depends on your tier: ₦50,000 a day on Tier 1, ₦100,000 on Tier 2, and no daily limit on Tier 3. Bill payments don't count towards it. If a transfer would take you over, the app tells you how much you have left for the day. To raise your limit, upgrade your tier in Settings.
What happens if my balance goes above my tier's maximum?
Money can still come in, but spending from your account pauses until you upgrade. The maximum is ₦300,000 on Tier 1 and ₦500,000 on Tier 2, counting your wallet and budgets together; Tier 3 has no maximum. We'll email you if a deposit takes you over, with the steps to upgrade.
How does Delight keep my account secure?
Delight protects your account in layers. You sign in with a one-time code sent to your phone or email, and a 4-digit passcode or biometrics opens the app. Every payment needs your 6-digit transaction PIN or biometrics, and a new phone must be verified with a code before it can be used. The app locks itself after inactivity (1 minute by default, adjustable up to 10 in Settings > “Customize”), and your PIN is stored only as a one-way hash.
What is the difference between my passcode and my transaction PIN?
Your 4-digit passcode unlocks the Delight app on your phone. Your 6-digit transaction PIN approves payments, transfers, sharing and other sensitive actions. The two must be different. You can change both in Settings > “Security”.
I forgot my transaction PIN. How do I reset it?
Go to Settings > “Security” > “Transaction PIN” and tap “Forgot PIN?”. Delight emails a 6-digit code to the address on your account; enter it, then create and confirm a new 6-digit PIN. After 5 wrong PIN attempts, PIN approvals are paused for 30 minutes.
I forgot my app passcode. What do I do?
On the passcode screen, tap “Forgot PIN?”. This signs you out and deactivates the device; sign in again with your email or phone number and a one-time code, verify the device, and create a new passcode. Your money and budgets aren't affected. Too many wrong passcode attempts also ask you to sign in again this way.
What happens when I sign in on a new phone?
Delight asks you to verify the new phone with a one-time code sent to your registered phone number. Your account can be active on only one phone at a time, so verifying a new phone signs you out of the old one. You then set a passcode on the new phone.
Can I use Face ID or my fingerprint?
Yes. Turn on “Biometric Authentication” in Settings > “Security” to unlock the app and approve payments with Face ID or your fingerprint. Your biometric data stays on your phone and is handled by your phone's operating system; Delight never receives or stores it.
What should I do if my phone is lost or someone else uses my account?
Email support@delightfinance.ai straight away so we can help protect your account. Anyone with your phone would still need your passcode or biometrics to open the app and your transaction PIN to move money. Change your PIN and passcode when you can, and if you see a payment you didn't make, open it, tap “Report Issue” and choose “Fraud / Unauthorized”.
Will Delight ever ask for my PIN or one-time codes?
No. Delight staff will never ask for your transaction PIN, passcode or one-time codes by phone, email or chat. If anyone asks, don't share them, and report it to support@delightfinance.ai.
Why does Delight ask for access to my contacts?
Contacts access is optional. It lets you choose a phone number from your contacts when buying airtime or data, instead of typing it. The contact picker reads your contacts on your phone, and you can decline and type numbers yourself.
Who does Delight share my data with?
Delight shares your data only with partners needed to run your account: our partner bank for your account number and transfers, identity verification providers when you sign up or upgrade, the bill payment provider for airtime and bills, and, if you turn on Delight AI, the AI providers named on its consent screen. Delight doesn't sell your personal data. Our Privacy Policy has the full details.
Can I get a copy of my data or ask for it to be deleted?
Yes. For a copy of your data or another privacy request, email dpo@delightfinance.ai, the contact listed in our Privacy Policy. To close your account, request deletion in the app (see “How do I delete my Delight account?”). Some records, such as transaction history, may have to be kept for legal reasons; the Privacy Policy explains how long.
How do I contact Delight support?
Email support@delightfinance.ai, or go to Settings > “About Delight” > “Contact Us”; we typically respond within 24 hours. For a problem with a specific payment, open the transaction and tap “Report Issue”. You can also ask Delight AI to open a support case, and find tutorials in Hub > “Learn”.
Can I change my name, email, phone number or username?
Your name comes from your verified identity, and your email and phone number show in Settings > “Profile” but can't be edited there; contact support to update your email or phone number. You can change your @username once from your profile, using 3 to 20 lowercase letters and numbers. After that, contact support to change it again.
How do I delete my Delight account?
Go to Settings > “Profile”, tap “Request” next to “Delete account”, and tell us why you're leaving. Our team reviews every request and gets back to you within 5 business days with the next steps. You can contact support if you have questions in the meantime.
How do I get an account statement?
Tap the Reports icon at the top of the Home screen, choose “Generate account statement”, then “Request statement”. Pick this month, last month, the last 3, 6 or 12 months, or custom dates within 12 months. Delight emails you an official PDF statement, backed by Sterling Bank, with a verification reference, and notifies you when it's ready.
Where can I see reports on my spending?
Tap the Reports icon (the chart) at the top of the Home screen. Reports show whether your spending is on track, budgets that still need money, your biggest spending day, your top payee, money in and out, and transfer charges and stamp duty for the period you choose. Each budget also has a “Budget report” in its menu.
What is the Monthly Recap?
The Monthly Recap is a short set of slides about your previous month: your money story, spending patterns, achievements and your money archetype. It's ready early each month if you made more than 5 transactions the month before. Find all your recaps in Hub > “Monthly Recap”.
I can't sign in. What should I do?
Delight doesn't use a password. Enter the email or phone number on your account, then the 6-digit code we send you. On a new phone, you'll also verify the device with a code sent to your registered phone number. If codes aren't arriving or you're still stuck, email support@delightfinance.ai.
My transaction is still processing. What should I do?
Most transactions complete within a few minutes. While a payment is processing, its money is held in the budget it came from; it isn't lost. If a transfer still hasn't completed or arrived after 1–2 hours, open it and tap “Report Issue” so our team can check with the bank.
Why was my payment stopped?
The message on screen tells you the reason. Common reasons are: the budget is locked; the payment is more than the budget's balance or its “Available Drip”; you've reached your tier's daily transfer limit; your total balance is above your tier's maximum, which pauses spending until you upgrade; or a spending limit needs your confirmation. If the message asks you to contact support, email support@delightfinance.ai.
The app isn't working properly. What should I try?
Make sure you have the latest version of Delight from the App Store or Google Play and a working internet connection, then close and reopen the app or restart your phone. If the problem continues, email support@delightfinance.ai with a screenshot and a short description of what happened.
Still have questions?
Our support team is here to help you with any questions or concerns.