Question 1

How does Flowna help me see where my money goes?

Accepted Answer

Flowna's Insights dashboard breaks down every expense by category — food, transport, rent, school fees, family, data — and shows you which category eats the biggest share each week. On the income side it groups every earning by source so you know exactly which job, hustle or client pays the bills. Everything is updated automatically as you log.

Question 2

What is the Flowna Card?

Accepted Answer

Every Flowna user gets a free public business card with a unique QR code. Anyone scans the QR — they instantly see your name, role, photo, socials and one-tap Save-to-Contacts. No typing, no paper cards, no awkward exchanges. Customise once, share anywhere.

Question 3

Can I track live markets inside Flowna?

Accepted Answer

Yes. Flowna Markets is a daily live dashboard covering gold, S&P 500, Bitcoin and Brent oil with plain-English status pills, 30-day sparklines, and the inflation-adjusted real return in Naira. Premium adds status-flip alerts when an asset moves into a more actionable state.

Question 4

Is Flowna free?

Accepted Answer

Yes. Every new account starts with a 14-day Premium trial — full features, no card required. After day 14 you stay on Free mode (Stability Spend, Buffer, Stability Score, Buddy chat + verdict, 1 active goal, 10 voice logs/month). Premium (₦2,500/month or ₦25,000/year — check Profile → Billing for the current rate) unlocks unlimited voice and photo logs, personalised Buddy rationales, the Markets brief, unlimited goals, receipt scanning, invoicing, tax insights and your Spending Tone control. Students get 50% off with a school-email.

Question 5

What is Buddy?

Accepted Answer

Buddy is Flowna's unified AI sidekick. Two features in one: (1) a pre-purchase verdict — type any amount, get a green / yellow / red answer in one second checked against your Safe-Spend, buffer and goals; (2) a money chat — ask anything in plain English, grounded in your last 30 days. Buddy never recommends loans, gambling, or get-rich schemes.

Question 6

Which countries does Flowna work in?

Accepted Answer

Flowna is live in Nigeria today — with local PAYE tax bands, minimum-wage signals, live inflation, Naira currency and Nigerian bank linking via Mono. We're rolling out across Africa next. If you sign up from another country, you can still create your account and we'll add you to our launch waitlist — we'll email you the moment Flowna goes live where you are.

Question 7

Is Flowna a bank or a wallet?

Accepted Answer

No. Flowna is a financial-planning tool — it helps you make sense of your money. Your funds stay in your bank, mobile-money wallet, or pocket. We never take custody, never lend, and we don't give professional financial advice.

The honest answers.

What does Flowna actually do?

How is my daily number calculated?

Why does my number move ±5% sometimes?

Why does Flowna deduct PAYE if I'm a market trader / informal earner?

What's the 'Real Value' I see in the WhyDrawer?

Why do my long-term goals show TWO numbers?

What happens to a goal when its deadline passes?

What's Buddy?

Is Flowna a bank or a wallet?

Does Flowna connect to my bank?

Which countries does Flowna work in?

How is Free different from Premium?

How fast is voice / photo / SMS logging?

How do you handle my data?

Where can I use Flowna?