Built for West Africa · FR & EN

Budget. Accounts. BRVM. Family.
All your money, one app.

The four pillars other apps sell separately, together and built for the CFA zone: envelope budgets, multi-currency pockets across Wave, Orange Money, MoMo and your banks, the BRVM stock market at a glance, and money shared with the people who matter — household, tontines, family remittances.

Start free I already have an account

Default currency: XOF (CFA). Add USD, EUR, GHS, NGN and more.

Total balance · XOF

1 247 500

+12.4% this month

Salary — November+850 000

Orange Money top-up−15 000

SOTRA bus pass−5 000

Marché Cocody−24 500

BRVM watchlist

SNTS · Sonatel

+2.1%

The four pillars of your money

Budgeting apps stop at budgets. Savings apps hold your money. BantuMoneyT brings the whole picture together — without ever holding a franc.

Budgets & envelopes

Monthly envelopes per category, rollover, pace alerts and a clear "left to live on".

Multi-currency pockets

Wave, Orange Money, MoMo, banks and cash — XOF, USD, EUR and more, one true total.

BRVM investing

Regional stock quotes refreshed from the BRVM, a watchlist and an educational AI advisor.

Family & tontines

Shared household budgets, tontine rounds and family remittances — tracked, not guessed.

Multi-Currency Budgeting

Track XOF, USD, EUR, GHS, NGN and more inside a single budget. Exchange rates refresh daily, so totals stay accurate — no spreadsheet required.

Auto-convert expenses to your home currency
See true spending power across all accounts
Plan trips and remittances without the math

Budget currencyXOF

Spent750 000 / 1 000 000

USD

EUR

GHS

Household budget

Shared with 2 members

Groceries

45%

Rent & utilities

30%

Family savings

25%

Family Budget & Household Tracking

Share budget categories with your partner, track household spending together, and reach savings goals as a family. One app, one calm view of your money.

Shared categories for couples and families
Track who spent what with clear labels
Group savings goals for vacations, school, and home

Free to start, honestly

Budgets, accounts, goals, bills, tontines and family sharing are free — no credit card, no trial. Premium (AI coach, receipt scanning, reports) is 2 500 XOF monthly, or 24 000 XOF annually — equivalent to 2 000 XOF/month; see the full breakdown on our Pricing page.

Savings goals

Create unlimited goals and watch your progress grow.

Expense tracking

Log transactions manually or scan receipts with AI.

Budget insights

See where your money goes with simple charts.

Get started free

How it actually works

The honest version, in four short answers.

Balances are entered, not connected

There is no live link to your Wave, Orange Money or bank account. You log entries yourself, or share a mobile-money SMS to the app and it reads the amount for you — nothing is fetched automatically, nothing is initiated on your behalf.

Exchange rates, refreshed daily

Multi-currency totals convert using rates refreshed roughly once a day from a public rate provider. They are for budgeting clarity, not for pricing a transfer.

BRVM quotes, not a live feed

Stock prices are read from the BRVM's own published data on a refresh cycle, not streamed in real time. Educational context, not a trading terminal.

We never hold your money

BantuMoneyT cannot move, hold or freeze a franc — it has no mechanism to. Your money stays exactly where it already is: your bank, your mobile-money wallet, your pocket.