Does Lertha hold or move my money?
No. Lertha never holds, moves or invests your money, and cannot make a payment.
No. Lertha never holds, moves or invests your money. There is no Lertha balance, no Lertha wallet and no Lertha account you can fund.
Lertha cannot make a payment, take a debit, or move money between your accounts. The connection to your bank is read-only, so even if someone got into your Lertha account they could not move a naira.
When Lertha suggests a savings, insurance or credit product, you open it with that licensed provider directly and your money goes to them. Lertha is never in the middle of it.
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Last updated 19 September 2026
How does Lertha connect to my bank?
Read-only access through a regulated open-banking partner. We never see your bank login and cannot move money.
Security, and how to spot a fake Lertha
Lertha will never ask for your PIN, OTP, BVN or card number, and never asks you to pay to join. Here is how to check something is really us.