Havil offers a comprehensive suite of savings options tailored to various financial goals and user preferences. The Fixed Savings feature provides locked accounts for medium to long-term objectives, potentially offering higher interest rates. Users targeting specific expenses like vacations or education can utilize the Target Savings option. For those preferring more liquidity, the Flexi Fund balances saving with accessibility. Havil also encourages collaborative saving through its Group Savings feature, enabling users to create savings circles with family and friends. Younger users can benefit from the Swag Box, which offers tailored products and educational content to foster good financial habits. The Box Dollar feature allows users to buy and save in US dollars within the app, protecting against local currency volatility. When users want to access these funds, they're converted back to Naira at competitive rates, helping maintain the value of their savings. Across all savings options, users select a specific duration for their plan. Upon expiration, customers receive their initial deposit along with accrued interest, providing a clear timeline and incentive for their saving efforts. This structure encourages disciplined saving and allows users to plan their financial goals with precision, knowing exactly when their funds and returns will become available.