Step 1: Tell your story
Write a few sentences about what the money is for and how much you need. Plain words work best.
How Breadfund works
Three steps. No forms to print, no bank jargon. If you can send a text message, you can run a fund.
Step 2: Share one link
We give you a single link. Send it by text or WhatsApp, or print the QR code for a shop window.
Step 3: Get the money
Add your bank details once. After that every donation is sent to that account as it arrives, there is nothing to withdraw. Our payment provider pays it out the next working day.
What it costs you
Nothing to start. We take 2.7% of each donation — unless the donor adds a tip for us, and then we take nothing from that gift at all. The card companies and the bank charge their own small amounts on each one, and we show every figure before anyone pays.
- To start a fund
- Free
- Breadfund's fee
- 2.7% per donation
- …on a donation with a tip
- Waived
- Card fee per donation
- 1.4% + ₦100
- …on a card issued abroad
- 4.8%
- Paying each donation into your bank
- ₦10 to ₦50
Common questions
Do I need to be a charity?
No. Anyone can raise money for themselves, a family member, or a neighbour.
When do I get the money?
There is nothing to withdraw — each donation goes to your bank account as it comes in. Our payment provider pays out the next working day, so a donation given on a Saturday or Sunday reaches you on Monday.
What if I do not reach my goal?
You keep everything raised. Nothing is sent back.
Can someone else raise the money for me?
Yes. They start the fund and invite you by email, then you add your own bank account — they never see it, and you cannot edit their fund. From the moment you connect, donations go straight to you. Anything raised before that is already in their account, and passing it on is up to them.
Is my information safe?
Yes. Card details never touch our servers — they go straight to our payment provider. Your bank account number is stored encrypted and is never shown to anyone, and your email, phone number and date of birth are never made public. What people do see is your name and your profile photo.
Still unsure? Call us.
+234 915 103 0265 · any day, 8am–8pm. We will set the whole thing up with you on the phone.