Stanbic IBTC e vs Silio

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Silio is the calm, intentional money companion that helps you budget smarter, chase meaningful goals, and build the life you actually want; all in one beautifully simple app. ZERO-BASED BUDGETING THAT WORKS Give every pound, dollar, or naira a purpose. Silio's zero-based budgeting system ensures nothing slips through the cracks. Set monthly income, create spending categories, log expenses on the go, and watch your remaining balance update in real time with a stunning 3D pie chart overview. • Support for GBP, USD, NGN, and CAD • Track daily expenses by category • Visual budget ring showing spent vs. remaining • Monthly budget history and trends GOALS FOR EVERY PART OF LIFE Silio goals aren't limited to saving targets. Set goals for your career, health, relationships, learning — anything that matters to you. Break each goal into actionable tasks, track progress, and celebrate milestones along the way. • Create unlimited life goals with deadlines • Break goals into bite-sized tasks • Visual progress tracking with milestone celebrations • AI-powered progress insights VISION BOARD — SEE THE LIFE YOU'RE BUILDING Create beautiful, shareable vision boards to keep your aspirations front and centre. Add images, collaborate with friends and family, and revisit your vision daily to stay inspired and focused. • Create multiple themed boards • Invite collaborators to shared boards • Real-time activity notifications • Visual inspiration that fuels daily motivation AI INSIGHTS & GENTLE NUDGES Silio's smart coaching engine analyses your spending patterns, goal progress, and habits — then delivers personalised, encouraging nudges that keep you on track without ever shaming you. • Behavioural spending analysis • Weekly motivation messages • Monthly challenge prompts • Budget warning alerts when you're nearing limits COMPREHENSIVE MONTHLY REPORT Receive a beautifully designed monthly report delivered straight to your inbox on the last day of every month. It includes your full financial summary, goal progress, task completion rates, vision board activity, and an AI-generated note highlighting your wins and where to focus next. NET WORTH TRACKING See the bigger picture. Track assets and liabilities over time to understand your true financial position and watch your wealth grow month by month. BUILT FOR YOUR PRIVACY Your data stays yours — encrypted, private, and never sold. Silio is designed with security-first principles, including row-level security and encrypted authentication.