New · Available in Cameroon 🇨🇲
VaultbyNeero
Vault by Neero — Smart savings in Cameroon
Save effortlessly, fee-free, no constraints.
Alone or together. Goal-based. Built for your reality.
✓ 0 XAF in fees
✓ 3 clicks to start
✓ Alone or together
✓ Smart auto-reserve
Goal reached
✓ 800 000 F
Auto-reserve
+50 F ✦
⬡ Built for you
Vault by Neero speaks
to your reality.
Whatever your financial situation, Vault adapts. No minimum profile, no salary required.
🎓
The student
You receive a grant, family support or side income. Vault helps you set money aside without thinking, even 200 XAF a day.
✓ Auto-reserve + petite monnaie
💼
The employee
Each month end, money disappears before you can save. With auto-reserve, Neero sets aside as soon as your salary arrives.
✓ Auto-reserve sur salaire entrant
🛒
The merchant / trader
Variable income, busy days. Set an automatic percentage on every receipt. Vault saves for you.
✓ Automatic % on receipts
👨👩👧
Family tontine / group
Save as a family, friend group or association. Each member has their own rights. You control everything.
✓ Multi-membres + multi-validation
🎯
The specific project
You want to save for a wedding, trip, vehicle or rent. Set your goal and Vault guides you there.
✓ Goal + duration + penalty
📱
The freelancer / informal worker
No fixed salary? No problem. Vault activates on every money inflow, regardless of amount or frequency.
✓ Flexible for irregular income
⬡ What Vault can do for you
Everything no
traditional bank offers.
Auto-reserve
Every time you receive money, Neero automatically puts a portion into your Vault. Fixed amount or percentage — you choose.
Example: you receive 50,000 XAF → Neero puts 5,000 XAF (10%) into your savings. Without you thinking about it.
Example: you receive 50,000 XAF → Neero puts 5,000 XAF (10%) into your savings. Without you thinking about it.
✓ Active on every inflow
Spare change
Every rounded payment feeds your savings. You choose the level: ten, hundred or thousand.
Example: you pay 1,350 XAF → Neero rounds up to 1,400 XAF and puts 50 XAF into your Vault automatically.
Example: you pay 1,350 XAF → Neero rounds up to 1,400 XAF and puts 50 XAF into your Vault automatically.
✓ Small streams make great rivers
Group savings
Save alone or invite members. For each one, define their rights:
Can they add money?
Can they withdraw?
Can they invite other members?
Total control, total transparency.
Can they add money?
Can they withdraw?
Can they invite other members?
Total control, total transparency.
✓ Digital tontine
Multi-validation
Enable collective validation for withdrawals. All members with withdrawal rights must validate before a withdrawal goes through.
No one can empty the pot alone. Perfect for groups, associations, families.
No one can empty the pot alone. Perfect for groups, associations, families.
✓ Sécurité renforcée
Savings goal
Each Vault = one precise goal. Set the target amount and duration. Neero calculates and shows your progress.
Example: Save 500,000 XAF in 6 months for a trip.
Example: Save 500,000 XAF in 6 months for a trip.
✓ Visualize your goal
Zero fees. Zero conditions.
No opening fees. No monthly fees. No minimum balance. No appointment. No branch.
You withdraw when you reach your goal? Zero fees, zero penalty.
You withdraw when you reach your goal? Zero fees, zero penalty.
✓ 100% free
⬡ Your best ally against yourself
The penalty:
because saving isn't easy.
We know it: the enemy of savings is yourself. Vault protects you against impulsive withdrawals.
45%
45% of users choose a penalty > 50%
When creating your Vault, you freely choose your early withdrawal penalty: 5% to 90%. If you try to withdraw before reaching your goal, Neero applies the penalty — and that makes you think twice.
Once the goal is reached: 100% free withdrawal, zero penalty.
🔒
You choose
The penalty you set yourself. Nobody else decides for you.
🧠
You commit
The penalty creates real psychological commitment. Your projects deserve protection.
🎉
You reach your goal
Once the goal is reached: free withdrawal, no penalty, no delay.
⬡ Proof by numbers
3 min
To open your first Vault from the app
0 F
In monthly or opening fees
45%
Of users choose a penalty > 50%
50 F
That's the spare change that can feed your Vault
⬡ En 3 clics
Creating your Vault
is as easy as it gets.
01
Free · 30 seconds
Open a Vault
From your Neero app, tap "Create a Vault". Give it a name (Wedding, Car, Emergency...) and set your target amount and duration.
02
Optional · Recommended
Set up your automations
Enable auto-reserve (% on each money inflow), spare change (rounding on each payment), and choose your penalty if you want to truly commit.
03
Optional · Group savings
Invite members
If saving as a group, invite your people and set each person's rights. Enable multi-validation so no one can withdraw alone.
04
Goal reached · Sans frais
Withdraw your money
Once the goal is reached: immediate withdrawal, no fees, no penalty. Your money comes back 100%.
⬡ They did it
Real people.
Real goals reached.
⭐⭐⭐⭐⭐
"I set a 70% penalty on my wedding Vault. Honestly, it stopped me from caving 3 times. 6 months later, I had my 800,000 XAF. Without Vault, impossible."
FK
Fatima K.
Enseignante · Yaoundé
Vault Mariage · 800 000 F.CFA
⭐⭐⭐⭐⭐
"My business is irregular. With auto-reserve at 8%, every receipt saves a little. In 4 months I saved without feeling a thing. Magic."
BE
Boris E.
Commerçant · Douala
Auto-reserve 8%
⭐⭐⭐⭐⭐
"Our group of 6 friends uses a shared Vault for trips. Anyone can add, but no one can withdraw alone — 4 validations needed. No disputes since."
CA
Christelle A.
Friends group · Bafoussam
Vault Collectif · 6 membres
⭐⭐⭐⭐⭐
"I wasn't sold on spare change. But after 3 months, I had 12,000 XAF saved just from rounding. That's money that didn't exist before."
JN
Jean-Paul N.
Étudiant · Ngaoundéré
Spare change · Hundred
⭐⭐⭐⭐⭐
"I'd tried saving with my regular bank. Too much paperwork, fees, and I always gave up. With Vault it was done in 5 minutes. And it worked."
ML
Marie-Louise T.
Infirmière · Limbé
Vault Voiture · 1 500 000 F.CFA
⭐⭐⭐⭐⭐
"I save for my sister in France. I set aside each month in a shared Vault. She receives at the right time, no fees, no hassle."
PS
Pamela S.
Fonctionnaire · Garoua
Vault Familial · Diaspora
⬡ Your questions
We answer
before you even ask.
Is it really free?
Yes. Zero opening fees, zero monthly fees, zero withdrawal fees once the goal is reached. Vault is included in your Neero account.
How many Vaults can I create?
As many as you want. One per project, one for emergencies, one for holidays — each goal can have its own dedicated Vault.
What happens if I withdraw before the goal?
If you enabled a penalty, it applies to the withdrawn amount. If no penalty was set, you can withdraw at any time with no fees.
Can I invite someone without giving them full access?
Yes. You define each member's rights: adding money, withdrawing, inviting others. Each member has exactly the rights you grant them.
How does multi-validation work?
When enabled, every withdrawal must be validated by all members with withdrawal rights. No one can withdraw alone. Perfect for groups.
Can I have a Vault without a fixed job?
Absolutely. Vault requires no proof of income. You save what you can, when you can. 500 XAF or 500,000 XAF — no conditions.
How to open a savings account in Cameroon without going to a branch?
With Vault by Neero, everything is done from the mobile app. You need your national ID and a Neero account. In under 3 minutes, your savings account is active. No travel, no appointment, no paper documents.
What is auto-reserve and how do I activate it?
Auto-reserve automatically deposits a fixed amount or percentage of every money inflow into your Vault. Example: you choose 10% — when you receive 20,000 XAF, Neero automatically transfers 2,000 XAF to your savings. You activate it in seconds from your Vault settings.
How does spare change work on Neero?
Spare change rounds up every payment to the level you choose (ten, hundred or thousand) and deposits the difference into your Vault. If you pay 1,350 XAF with the hundred rounding active, Neero rounds up to 1,400 XAF and puts 50 XAF in your savings. Over a year, these small amounts can add up to thousands of XAF.
Can I save as a group like a tontine on Neero?
Yes. Vault by Neero is built for group savings. You create a Vault, invite members, and define each person's rights: can they add money, withdraw, invite others? You can also enable multi-validation so any withdrawal requires approval from multiple members. It's a secure and transparent digital tontine.
What is the minimum amount to open a Vault?
There is no minimum amount. You can start with 100 XAF, 500 XAF or directly with 100,000 XAF. Vault adapts to your financial reality, not the other way around.
How to set and track a savings goal?
When creating a Vault, you enter a target amount (e.g. 500,000 XAF) and a duration (6 months). Neero automatically calculates how much you need to set aside each week or month to reach that goal, and shows your progress in real time.
What's the difference between Vault by Neero and a classic bank savings account?
A classic savings account imposes conditions (minimum balance, monthly fees, branch appointment, withdrawal delays). Vault by Neero imposes nothing. No fees, no minimum, no delays. Plus Vault offers unique features: auto-reserve, spare change, group savings, multi-validation and custom penalty — which traditional banks don't offer.
Is my money in the Vault safe?
Yes. Neero is regulated by the BEAC (Bank of Central African States) and operates in partnership with Ecobank, a licensed pan-African bank. Your money is protected by the same guarantees as a formal banking institution. You also control who can access your collective Vault through the rights and multi-validation system.
How much can I save with spare change each month?
It depends on your payment frequency. With 20 transactions per month and an average rounding of 100 XAF per transaction, you automatically set aside 2,000 XAF with no effort. Over 12 months, that's 24,000 XAF saved "without thinking about it".
Can I have multiple Vaults with different goals at the same time?
Absolutely. You can have as many simultaneous Vaults as you want. One for a trip, one for medical emergencies, one for an investment, a group Vault with your family — each with its own settings, goal and members.
What penalty should I choose to ensure I reach my goal?
According to our data, 45% of users choose a penalty above 50%. The higher the penalty, the stronger the commitment. For major goals (wedding, car, rent), a penalty of 50% to 70% is generally effective. For short-term or emergency projects, a lower penalty (10% to 20%) may be enough.
Can I save in XAF, euros or dollars with Vault?
Vault by Neero is integrated with your Neero account which supports XAF, EUR and USD. You can save in the currency of your choice, particularly useful for the diaspora, entrepreneurs who receive foreign currency payments, or freelancers who invoice internationally.
How to top up a Vault from Orange Money or MTN MoMo?
Your Vault is fed through your main Neero account. Top up your Neero account from Orange Money or MTN MoMo (free), then transfer to your Vault — or enable auto-reserve for it to happen automatically on every inflow.
Is Vault by Neero available for businesses?
Yes. Vault is used by individuals, merchants, associations and professional groups. The group savings feature with custom rights and multi-validation is particularly suited to organizations managing a shared budget.
⬡ Start today
Your next project deserves
a Vault by Neero.
In 3 minutes from your phone. No branch, no fees, no paperwork. With or without savings partners.
0 XAF in fees Objectif personnalisé Smart auto-reserve Group savings