This Valentine, Don’t Just Spend; Spend and Save

Valentine’s Day is one of those seasons where spending feels inevitable. Gifts are exchanged, love stories are shared, and transfers move quickly. But once the excitement settles, a more practical question follows: Did you only spend or did you save too?

Because while spending for love is normal, smart money habits are what help you stay balanced until your next pay day.

From transfers for gifts to payments for dates, Valentine’s Day comes with a spike in transactions. And for many, February can quietly become one of the most expensive months of the year.

That’s why more people are looking for simple ways to save money in Nigeria without disrupting their lifestyle. Features like PalmPay’s Spend & Save make that possible. Instead of waiting for the perfect time to save, money is set alongside everyday spending. Transfers, gifts, and bill payments will still happen but your savings grows quietly.

This Valentine season, PalmPay is celebrating authentic love stories through the #LoveWithPalmPay campaign, running from February 9th to 21st across social media platforms. Each week, four winners receive N100,000, for two weeks, creating a total prize pool of N800,000.

Users are encouraged to share their love stories while showing PalmPay in action, whether it’s sending money for a thoughtful gift or making those relatable “urgent 2k” transfers that are always right on time when it matters most. 

Beyond facilitating transactions, PalmPay is rewarding users for the everyday ways they show love and support the ones they love. 

What Are You Saving For in 2026

Valentine’s Day is just one moment in a year filled with many celebratory seasons. Many Nigerians started January with resolutions to build an emergency fund, save consistently, plan trips, or simply try to develop better money habits in 2026. Those goals shouldn’t disappear because of one big celebration.

Beyond Spend & Save, the PalmPay savings platform offers high-interest options that support both short-term and long-term financial goals. Whether you’re saving gradually or setting up your fixed savings, having the right platform makes all the difference. 

Because the smartest way to use a savings app in Nigeria isn’t to stop spending completely, it’s to create a system where spending and saving can happen together.

To participate in the #LoveWithPalmPay campaign, visit @palmpayapp_ng

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