SeedForce Savings

Your money should be working while you sleep.

SeedForce helps everyday Nigerians save toward real goals, earn up to 2.33% monthly interest, and grow their money consistently — without stress, without risk.

Start Saving Today

Backed By Seeds Cooperative Coop Reg. LSCS 19744

What is SeedForce Savings?

Simple savings. Real returns.

SeedForce is a registered savings cooperative backed by Seeds & Pennies Limited. Whether you are saving for school fees, rent, stock, or a personal goal, SeedForce gives your money a structure and a return — automatically.

💰Up to 2.33% monthly interest

📈Compounding automatically into your goal

🔒Backed By Seeds Cooperative. Your savings are protected.

Choose Your Savings Type

Three ways to save with SeedForce

Personal Goal Savings

Set a target. Set a date.

Save toward it consistently and watch your money grow with interest automatically added every month.

Best for: School fees, rent, equipment, emergency fund

Periodic / Seasonal Savings

Match your cycle to your income.

Save heavily when business is good and let it compound during the quiet season.

Best for: Traders, artisans, seasonal business owners

Circle Savings

Save as a group. Own your account.

Every member owns their own account — no joint wallet, no leader risk. And if you lead the Circle, SeedForce doubles your savings as a reward at the end.

Best for: Friends, market groups, community associations

Save ₦100,000. Get ₦100,000 extra.

Start a Circle of 5+ savers. Keep everyone on track for 6 or 12 months. SeedForce matches your qualifying savings with an equal reward.

Start a Circle

How It Works

Getting started takes minutes

Create your accountSign up at myseedforce.com in minutes.

Choose your savings typePersonal Goal, Periodic, or Circle.

Set your targetPick an amount and a contribution schedule.

Save consistentlyWatch your interest compound every month.

Reach your goalAccess your funds at maturity.

Create Your Account

Why SeedForce?

Not just a savings app. A cooperative.

	Ajo Collector	SeedForce
Interest on savings	None	Up to 2.33% monthly
Backed By Seeds Cooperative	No	Yes
Individual account	No	Yes
Circle Lead reward	No	Yes

FAQ

Questions, answered

How do I start saving with SeedForce?

Create your free SeedForce account at myseedforce.com, choose a savings type, and set your target amount and contribution schedule. You can start saving immediately after funding your wallet.

When can I access my savings?

Personal Goal and Periodic savings mature according to the schedule you set. Circle Savings follow the Circle's agreed 6- or 12-month duration. Early access terms are shown on your plan before you save.

How is my interest calculated?

Interest accrues on your saved balance and compounds automatically into your goal every month, up to 2.33% monthly depending on the plan.

What happens if I miss a contribution?

Your plan simply continues — a missed contribution is recorded in your plan history and does not cancel your savings. For Circles, consistent contributions affect Circle Lead reward eligibility.

Is my money safe?

Yes. SeedForce is Backed By Seeds Cooperative together with your savings, backed by Seeds & Pennies Limited under cooperative registration LSCS 19744.

What is the Circle Lead reward and how do I qualify?

If you start and lead a Circle of five or more savers and keep the group on track for 6 or 12 months, SeedForce matches your qualifying savings with an equal reward at the end of the term.