What "safe to spend" means
Safe to spend is the most you can spend now and still stay above your balance floor until your next income lands.
On Home, under your balance, you might see "₦38,000 safe to spend until payday on 25 Nov".
That's the most you can spend right now and still cover everything due before your next income lands, without dropping below your balance floor. If you haven't set a floor, Backdur uses zero.
If your balance is heading below zero instead, Home tells you when and by how much. For example, "Your balance goes below zero on 27 Nov (−₦12,400)".
Can't find what you need?
Write to us and a person will reply. In the app, you can also go to Settings → Help → Support.