What is Lertha?
Lertha is a personal finance coaching app for Nigeria. It reads your money picture and coaches you daily. It is not a bank and never holds your money.
Lertha is a personal finance coaching app built in Lagos for people in Nigeria. You connect the accounts you already use, and Wendy, the coach inside the app, reads the full picture: what comes in, what goes out, and the patterns you cannot see from a single statement. She explains what is happening in plain language and coaches you through changing it.
What Lertha is not
Lertha is not a bank, a wallet, a lender, a money transfer app or an investment manager. We do not hold your money, we do not process deposits or withdrawals, we cannot move funds on your behalf, and we never promise a return. There is no Lertha account for you to put money into, and anyone telling you otherwise is not us.
Where you need a savings, insurance or credit product, Lertha points you at licensed, regulated providers. The money goes to them directly, never through us.
Who is behind it
Lertha is operated by Lertha Technologies Limited, registered in Nigeria and registered with the Nigeria Data Protection Commission as a data controller/processor of major importance (registration NDPC/DCP/14612, issued 17 September 2026).
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