Question 1

What is Delight?

Accepted Answer

Delight is a money management app built around one idea: every naira should have a job before you spend it. You create budgets, fund them, and spend directly from them — so tracking happens automatically, not manually. When your salary arrives, it flows into your budgets based on priorities you set. Couples see the same budgets in real time. It's not a savings app, not an expense tracker, and not just a bank — it's the system that connects earning, planning, and spending into one flow.

Question 2

Is Delight a bank?

Accepted Answer

No — but full banking is built in. Your funds are held by Sterling Bank, a licensed Nigerian bank. Delight adds the intelligence layer on top: budgets, automations, autofunding, and shared visibility that banks don't offer.

Question 3

Who can use Delight?

Accepted Answer

Delight is available to anyone who is at least 18 years old and has a valid Nigerian Bank Verification Number (BVN) or National Identification Number (NIN).

Question 4

Is Delight free to use?

Accepted Answer

Yes, Delight is free to use. Some transactions may attract small fees (like bank transfers) and certain optional features may have associated charges — but all fees are clearly displayed before you confirm anything.

Question 5

How do I create an account?

Accepted Answer

Download Delight from the App Store or Google Play, then follow the registration process. You'll need to provide your phone number, email address, and complete identity verification using your BVN or NIN.

Question 6

Why do I need to verify my identity?

Accepted Answer

Identity verification is required by Nigerian regulations (CBN KYC requirements) to prevent fraud and money laundering. It also protects your account and ensures only you can access your funds.

Question 7

What documents do I need for verification?

Accepted Answer

You'll need your BVN (Bank Verification Number) or NIN (National Identification Number). For higher transaction limits, you may also need to provide a government-issued ID (passport, driver's license, or national ID card) and a selfie for identity confirmation.

Question 8

How long does verification take?

Accepted Answer

BVN/NIN verification is usually instant. If additional document verification is required, it typically takes a few minutes but may take up to 24 hours in some cases.

Question 9

Why was my verification rejected?

Accepted Answer

Verification may be rejected if: your BVN/NIN details don't match what you entered, your selfie doesn't match your ID photo, your documents are expired or unclear, or there's a mismatch in your personal information. Please ensure all details are accurate and try again.

Question 10

Can I use Delight without completing verification?

Accepted Answer

You need to complete basic verification (BVN or NIN) to use Delight. Without verification, you won't be able to fund your wallet or make transactions.

Question 11

What is my Delight Wallet?

Accepted Answer

Your wallet is where incoming money lands before it's allocated. Think of it as a staging area — money arrives here, then flows into your budgets based on the priorities you've set. If you have auto-funding enabled, money moves into budgets automatically. The wallet exists by design: it ensures every naira gets assigned a purpose before you spend it.

Question 12

How do I get my Delight bank account number?

Accepted Answer

When you sign up and complete KYC, you're assigned a unique bank account number. Any money sent to this account number automatically appears in your Delight wallet. You can share it just like any other bank account number.

Question 13

How do I fund my wallet?

Accepted Answer

Transfer money to your Delight bank account number from any bank. Simply copy your account number from the app and use it as the recipient for your bank transfer. The funds land in your wallet automatically.

Question 14

How long does funding take?

Accepted Answer

Funding via bank transfer is usually instant but may take a few minutes depending on your bank. If your funds don't appear within 30 minutes, please contact support.

Question 15

Is there a minimum or maximum funding amount?

Accepted Answer

The minimum funding amount is ₦100. Maximum limits depend on your verification level. Complete full KYC verification to access higher limits.

Question 16

Why was I charged ₦50 stamp duty?

Accepted Answer

Nigerian regulations require a ₦50 stamp duty charge on electronic transfers of ₦10,000 and above. This is a government-mandated fee, not a Delight charge.

Question 17

Can I earn interest on my wallet balance?

Accepted Answer

No, Delight does not pay interest on wallet balances. Your funds are held for transactional purposes, not as savings deposits.

Question 18

How do I withdraw money from my wallet?

Accepted Answer

You cannot withdraw directly from your main wallet. To withdraw, you first need to allocate funds to a budget, then withdraw from that budget. This helps you maintain better control over your spending and savings.

Question 19

Why can't I withdraw directly from my wallet?

Accepted Answer

Every transaction in Delight flows through a budget because that's how you maintain visibility. When you spend from a budget, you always know which part of your life that money belongs to. The wallet is a holding area by design — it ensures money gets a purpose before it moves.

Question 20

What is a budget in Delight?

Accepted Answer

A budget in Delight is a funded spending container. Unlike a traditional budget — which is just a number you hope to stay under — a Delight budget holds actual money. You spend, transfer, and withdraw directly from it. When your ₦60,000 feeding budget shows ₦8,000 remaining, that's a real balance, not an estimate. All transactions happen at the budget level, not from your main wallet.

Question 21

How does money flow in Delight?

Accepted Answer

Money flows in three steps: 1) Fund your wallet by transferring to your Delight bank account number from any bank, 2) Money flows into your budgets — automatically if you've set up auto-funding, or manually if you prefer, 3) Spend, transfer, or withdraw from your budgets. With auto-funding, step 2 happens without you doing anything. Your salary arrives, your budgets fill in priority order, and you spend from them.

Question 22

How do I create a budget?

Accepted Answer

Tap the '+' button or 'Create Budget' option, give your budget a name, set the amount, choose a duration (daily, weekly, monthly, etc.), and configure any additional settings like alerts or spending controls.

Question 23

Can I create budgets within budgets?

Accepted Answer

Yes! Delight supports a hierarchical budget structure. You can create a main budget and then add sub-budgets within it. For example, a 'Monthly Expenses' budget could contain sub-budgets for 'Food', 'Transport', and 'Entertainment'.

Question 24

What budget durations are available?

Accepted Answer

You can create budgets for: 1 day, 1 week, 1 month, 1 quarter (3 months), 1 year, or a custom date range of your choice.

Question 25

What happens when my budget period ends?

Accepted Answer

When a budget period ends, you can configure what happens to any leftover money: roll it over to the next period, withdraw it to your bank account, transfer it to savings, or move it to a rewards pool. You set this preference when creating the budget.

Question 26

What is auto-funding?

Accepted Answer

Auto-funding moves money into your budgets automatically when funds arrive in your wallet. You set the priority order — rent fills first, then feeding, then transport, then savings — and the system allocates without you lifting a finger. It also works when a new budget period starts. You set up the hierarchy once; it runs every time.

Question 27

Can I allow overspending on a budget?

Accepted Answer

Yes, you can configure each budget to either allow or block overspending. If you allow overspending, transactions can proceed even when the budget is empty (funds come from your main wallet). If blocked, transactions will fail when the budget is depleted.

Question 28

How do budget alerts work?

Accepted Answer

You can set alerts to notify you when you've spent a certain percentage of your budget (e.g., 50%, 80%, 90%). This helps you track your spending and avoid running out before the period ends.

Question 29

Can I edit a budget after creating it?

Accepted Answer

Yes, you can edit most budget settings at any time. However, some changes (like reducing the budget amount below what's already spent) may have restrictions.

Question 30

How do I delete a budget?

Accepted Answer

Go to the budget settings and select 'Delete Budget'. Any remaining funds will be returned to your main wallet. Note: You cannot delete a budget that has active locks or pending automated payments.

Question 31

What is a budget lock?

Accepted Answer

A budget lock is a voluntary feature that temporarily restricts spending from a budget. It's designed to help you resist impulsive spending and stick to your financial goals.

Question 32

What types of locks are available?

Accepted Answer

Delight offers three lock types: Timed Lock (locked for a specific duration you choose), Manual Lock (locked until you manually unlock), and Recurring Lock (automatically locks and unlocks on a schedule, like every weekend).

Question 33

What is the minimum lock duration?

Accepted Answer

The minimum lock duration is 6 hours. This ensures locks are meaningful and gives you time to reconsider before unlocking.

Question 34

Can I unlock early?

Accepted Answer

Yes, you can unlock early, but an early unlock penalty may apply. The penalty amount is clearly displayed before you create the lock and again before you confirm the early unlock.

Question 35

How much is the early unlock penalty?

Accepted Answer

The early unlock penalty is a percentage of your locked balance. The exact percentage is shown before you activate the lock. This penalty is a real charge deducted from your wallet, not just points or credits.

Question 36

Can I get a refund on the penalty?

Accepted Answer

No, early unlock penalties are final and non-refundable. Please consider carefully before locking your funds and before requesting an early unlock.

Question 37

What is a commitment note?

Accepted Answer

A commitment note is a personal message you write to yourself when creating a lock. It reminds you why you locked the money (e.g., 'Saving for new phone' or 'Don't spend on junk food'). You'll see this note if you try to unlock early.

Question 38

What happens to scheduled payments when a budget is locked?

Accepted Answer

Scheduled payments and automations will fail if they try to spend from a locked budget. Make sure to account for any upcoming payments before activating a lock.

Question 39

How do recurring locks work?

Accepted Answer

Recurring locks automatically activate and deactivate on a schedule. For example, you could lock your entertainment budget every weekday and unlock it on weekends. The schedule repeats until you cancel it.

Question 40

How do I cancel a recurring lock?

Accepted Answer

Go to the lock settings and select 'Cancel Recurring'. This stops future lock cycles but doesn't affect any lock that's currently active. You'll still need to wait for the current lock to expire or pay the early unlock penalty.

Question 41

Can Delight unlock my funds without my permission?

Accepted Answer

Only in very limited circumstances required by law, such as court orders, regulatory requirements, or fraud investigations. You'll be notified when legally permitted.

Question 42

What is a spending limit?

Accepted Answer

A spending limit helps you control how much you spend within a time period or per transaction. Unlike locks (which block spending entirely), limits allow you to spend but charge a penalty if you exceed the threshold.

Question 43

What types of limits can I set?

Accepted Answer

You can set: Time-based limits (e.g., 'No more than ₦10,000 per day'), Per-transaction limits (e.g., 'No single purchase over ₦5,000'), or both at the same time for maximum control.

Question 44

What happens if I exceed my limit?

Accepted Answer

If you try to exceed your limit, the app will show you the penalty amount and ask you to confirm. You can either cancel the transaction or accept the penalty and proceed. The penalty is charged as a separate transaction from your wallet.

Question 45

How is the limit penalty calculated?

Accepted Answer

The penalty is calculated as a percentage of the excess amount only. For example, if your limit is ₦10,000, you try to spend ₦12,000, and the penalty rate is 5%, you'll pay 5% of ₦2,000 (the excess) = ₦100.

Question 46

Can I accidentally trigger a penalty?

Accepted Answer

No, limit violations require two-step confirmation. You'll see the penalty amount clearly displayed and must confirm twice before the penalty is charged. You always have the option to cancel.

Question 47

What time windows can I choose for limits?

Accepted Answer

Available time windows include: 6 hours, 12 hours, 24 hours (rolling), weekdays only, weekends only, the entire budget duration, or a custom period you define.

Question 48

Can I change or remove a limit?

Accepted Answer

Yes, you can modify or remove limits at any time. Changes take effect immediately. There's no penalty for changing your limit settings.

Question 49

Do limits apply to automated payments?

Accepted Answer

Yes, limits apply to all transactions from the budget, including automated payments. If an automation would exceed your limit, you'll need to approve the penalty or the payment will fail.

Question 50

What are automated payments?

Accepted Answer

Automated payments let you schedule recurring or future transactions. You can automate bill payments, bank transfers, or transfers to other Delight users on a schedule you define.

Question 51

What scheduling options are available?

Accepted Answer

You can schedule payments as: One-time (specific date), Daily, Weekly (specific day), Monthly (specific date or ordinal like '1st Tuesday'), or Annually. You can also set a start date, end date, and maximum number of occurrences.

Question 52

Can I require approval before automated payments run?

Accepted Answer

Yes! You can enable 'Require Approval' for any automation. When enabled, you'll receive a notification before each payment and must approve it manually. The payment won't run without your approval.

Question 53

What if I don't have enough balance for an automated payment?

Accepted Answer

The payment will fail if your budget doesn't have sufficient funds. You'll receive a notification about the failed payment. The automation may pause after multiple failures.

Question 54

Why did my automated payment fail?

Accepted Answer

Common reasons include: insufficient funds in the budget, budget is locked, recipient details are invalid or deleted, budget period has ended, or there's an issue with the payment provider. Check the payment status in your automation history for details.

Question 55

Do automations run at the exact scheduled time?

Accepted Answer

Automations run as close to the scheduled time as possible, but exact timing isn't guaranteed. There may be slight delays due to system processing. Don't schedule payments for the last minute before a deadline.

Question 56

How do I cancel an automation?

Accepted Answer

Go to your automations list, select the automation you want to cancel, and tap 'Cancel' or 'Delete'. Cancelled automations stop immediately and no future payments will be made.

Question 57

Will I be reminded before automated payments?

Accepted Answer

You can configure reminder notifications for each automation. Reminders can be sent hours or days before the scheduled payment, giving you time to ensure you have sufficient funds.

Question 58

Do automated payments work when my budget is locked?

Accepted Answer

No, automated payments will fail if they try to spend from a locked budget. If you use both locks and automations, plan carefully to avoid conflicts.

Question 59

What is budget sharing?

Accepted Answer

Budget sharing lets you give other Delight users permission to spend from your budget. It's useful for families, couples, or groups managing shared expenses.

Question 60

How do I share a budget?

Accepted Answer

Open the budget you want to share, go to settings or sharing options, and add the other user by their Delight username or phone number. They'll receive an invitation to join the shared budget.

Question 61

Can shared users edit the budget settings?

Accepted Answer

No, shared users can only spend from the budget. Only the budget owner can change settings, add/remove users, set locks and limits, or delete the budget.

Question 62

Can I see what shared users spend?

Accepted Answer

Yes, all transactions appear in the budget's transaction history, showing who made each purchase. You have full visibility into how shared users spend from your budget.

Question 63

Who pays when a shared user triggers a penalty?

Accepted Answer

You do. As the budget owner, all penalties (from locks or limits) are charged to your wallet, even if triggered by a shared user. Be sure shared users understand any active restrictions.

Question 64

How do I remove someone from a shared budget?

Accepted Answer

Go to the budget's sharing settings and remove the user. Their access is revoked immediately, but past transactions remain in the history and cannot be reversed.

Frequently Asked Questions

Getting Started

Verification & KYC

Wallet & Funding

Budgets

Budget Locks

Spending Limits

Automated Payments

Budget Sharing

Bill Payments

Transfers

Security

Fees & Charges

Troubleshooting

Account Management

Privacy & Data

Still have questions?