Help centre
Answers about Lertha: what it is, how it reads your bank, what it costs, what happens to your data, and how to spot a fake.
Everything here is written to be quotable. If a sentence would be wrong in a screenshot, it does not go on these pages: no fee we have not fixed, no date we have not committed to, no partner we have not signed.
Lertha basics
What is Lertha?
A money coach for Nigeria. Not a bank, and it never holds your money.
How does the coaching work?
Wendy learns how you actually spend, then coaches in small daily moments.
What is the Freedom Score?
One number for how much room your money gives you.
What does Lertha cost?
Free during early access, and we do not sell your data.
When can I use Lertha?
Pre-launch and in private testing. The waitlist is the way in.
How do I reach a person?
Start with the chat. If it cannot help, a real person replies by email.
Your money and your bank
How does Lertha connect to my bank?
Read-only access through a regulated open-banking partner.
Does Lertha hold or move my money?
No. There is no Lertha balance and no way for us to make a payment.
Safety and data
Security, and how to spot a fake Lertha
We never ask for your PIN, OTP, BVN or card number. Ever.
What does Lertha do with my data?
Used to coach you, never sold, and you can have it deleted.
How do I delete my account and data?
Ask in the app or in the chat. 120-day grace period, then a purge.
Still stuck?
Ask Lertha reads these pages and cites them. If it cannot help, it passes your question to the team and a person replies by email.
Last updated 19 September 2026