Every New Year brings a fresh wave of hope and determination. It’s the time when we scribble resolutions like “Save more money,” “Stick to a budget,” or “Finally take that dream vacation.” Sound familiar? But as the months pass, life happens — unexpected expenses pop up, and those lofty goals often take a back seat.

What if this year could be different? Imagine starting 2025 with a savings plan that not only keeps you on track but also rewards you along the way. That’s where Monietab comes in. This year, as your partner in building smarter financial habits, Monietab is here to help you break that cycle. With a unique mix of gamification and high-interest savings plans, it transforms saving money from a chore into a fun and rewarding experience.

What is Hold Tab?

Hold Tab is a dedicated fixed savings plan, designed for disciplined savings. It offers a competitive 18% annual interest rate and gamification rewards like Stashcoins, making saving both productive and enjoyable.

You can start saving anytime, add funds as often as you like, or even use the AutoSave feature for consistent contributions. Your funds — and the interest they earn — are only available at maturity, helping you resist impulsive spending and keeping you disciplined while staying focused on your financial goals

Benefits of Hold Tab Savings

1. Attractive Interest Rates:

   Enjoy competitive returns of 18% annually.

2. No Fees or Hidden Charges:

   Save with confidence — your funds go directly toward your goals.

3. Gamification Rewards:

   Redeem Stashcoins for prizes like shopping vouchers, tickets, and gadgets at the Stash Rewards Center.

4. Halal Option:

   Aligns with your faith for worry-free saving.

5. Discipline Made Easy:

   Funds are locked until maturity, ensuring you stay committed to your financial goals.

Steps to Start a Hold Tab Savings

1. Create an Account:

   Visit Monietab and sign up using your information.

2. Link Your Card:

   Go to Settings and link your card. Your information is safe, as Monietab uses Paystack, a trusted third-party payment processor, and does not store your card details.

3. Start a Savings Plan:

   Click on “Start a Savings Plan” on your dashboard to begin your StashHold savings.

4. Fill in the Details:

   Enter all necessary information, including: When you want to start saving, how much you’d like to save, your maturity date (when you want to withdraw your funds), whether you want a Halal Savings option for Sharia-compliant saving, etc.

5. Review and Confirm:

   Double-check your plan details, such as your target amount, duration, and maturity date. Confirm to activate your plan.

6. Track Your Progress:

   Monitor your savings through your dashboard, where you can view your daily interest breakdown and total savings balance.

Note: Your first deposit will be debited immediately to start your Hold Tab savings plan.

What You Need to Know About Hold Tab

- Minimum Deposit: Start saving with as little as ₦1,000. - Fees or Charges: None — what you save and earn is yours! - Early Withdrawal: Funds are locked and can only be withdrawn at the maturity date. - Rewards System: Stashcoins earned through saving, consistent streaks, and other activities can be redeemed for exciting prizes like shopping vouchers, gadgets, and more at the Stash Rewards Center.