Missing a payment has different consequences depending on which PiggyVest product you use. A missed Piggybank autosave is simply skipped: PiggyVest says it will not debit the missed amount later and will not charge a missed-payment fee. You can make up the contribution with Quick Save.
GetIT (also referred to as Ride Goals in PiggyVest materials) is stricter. It is a scheduled plan for buying a brand-new Mikano car, not a loan or credit facility. Breaking or cancelling it early costs 5% of the amount withdrawn, except that cancellation within 24 hours is free unless the payment was made by card or bank transfer. After the savings target is reached, the order cannot be cancelled.
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The short answer
- Piggybank autosave: a missed day, week or month is not automatically collected later, and PiggyVest says it will not charge you. Use Quick Save if you want to catch up.
- GetIT car plan: contributions follow the schedule you selected. PiggyVest’s published announcement does not explain whether a missed contribution extends the deadline, changes a vehicle reservation or triggers another remedy, so check the active in-app agreement or contact support.
- Early GetIT exit: breaking or cancelling early costs 5% of the amount withdrawn.
- 24-hour cancellation: free within 24 hours, unless the payment was made by card or bank transfer.
- After the target is complete: PiggyVest says the order cannot be cancelled.
The 5% GetIT charge is not the same as Piggybank’s separate withdrawal rules. Keeping those products separate is the key to avoiding an expensive misunderstanding.
What GetIT is—and what it is not
PiggyVest announced GetIT on October 15, 2026. The feature lets a user select a new Mikano car and save toward its purchase on a daily, weekly, bi-weekly or monthly schedule. Available plan lengths are 3, 6, 9 or 12 months. The car is delivered after the savings target has been completed.
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PiggyVest’s FAQ describes GetIT as “not a loan or a credit service” and says it “doesn’t earn interest.” You are funding a planned purchase with your own contributions; you are not borrowing the balance and you should not expect savings interest while the plan runs.
When the first contribution is taken
The first contribution is made when you start the plan unless you turn off the “Start saving immediately” option. Check that setting before confirming: leaving it enabled means money moves at setup rather than waiting for the next scheduled date.
What happens if the car price changes
The savings target can change if the vehicle price changes. PiggyVest says it will notify the saver in advance. Review the current target in the app whenever you receive such a notice; an older target may no longer be enough to complete the purchase.
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Missing a Piggybank autosave
PiggyVest’s official FAQ gives a direct answer for Piggybank: “We WON’T automatically debit your account if you missed any day, week or month and we WON’T charge you either.” In practical terms, a missed contribution remains missed. The system does not silently take several missed payments at once when money later appears in your account.
How to catch up
Use PiggyVest’s Quick Save feature to add the amount you want manually. You can make one catch-up deposit or several smaller deposits; the FAQ identifies Quick Save as the way to make up missed contributions, but it does not require an automatic repayment schedule.
What “no charge” does not mean
The no-fee statement applies to a missed Piggybank autosave. It does not waive every other Piggybank rule. PiggyVest’s terms say withdrawals outside its published free dates can incur a 3.5% penalty. The FAQ lists March 31, June 30, September 30 and December 31 as quarterly free-withdrawal dates. Those are withdrawal-timing rules, not missed-payment fees.
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Missing a GetIT contribution
GetIT is designed around a selected frequency and a target date, so treat its schedule as a commitment rather than assuming it behaves like Piggybank. PiggyVest’s announcement explains the early-exit charge but does not state whether one missed daily, weekly, bi-weekly or monthly contribution automatically moves the completion date, releases a vehicle allocation or changes the target.
Because that remedy is not specified in the published description, do not infer that a GetIT miss is free or that the deadline will automatically extend. Open the live plan’s agreement and confirmation screen for the current rule. If the answer is not clear, contact PiggyVest support before the next debit date and keep a record of the response.
Day, week and month scenarios
- One missed Piggybank day: no automatic back-debit and no missed-payment charge; use Quick Save if desired.
- One missed Piggybank week: the same rule applies. The missed weekly amount is not collected automatically.
- One missed Piggybank month: the monthly autosave is skipped without a catch-up debit or missed-payment fee.
- One missed GetIT contribution: the public description does not establish the outcome. Check the plan terms rather than applying Piggybank’s rule.
Getting money out of GetIT early
PiggyVest’s October 15, 2026 announcement states: “If you break or cancel your plan early, you’ll pay a 5% fee on the amount you withdraw.” The wording matters: the charge is calculated on the amount withdrawn, not automatically on the original target.
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For example, if you withdraw ₦100,000, 5% is ₦5,000, leaving ₦95,000 before any other applicable processing treatment shown in the live confirmation screen. This is an arithmetic illustration of the stated percentage, not a quoted plan price.
The 24-hour exception
Cancellation within 24 hours is free unless the saver paid by card or bank transfer. That payment-method exception means you should check the cancellation screen before confirming, even when the request is still inside the first day.
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Once the target is reached
After the savings target is reached, PiggyVest says the order cannot be cancelled. Do not assume that reaching the target creates a final free-withdrawal window; the announcement specifically says cancellation is no longer available at that point.
Confirm the live terms before tapping cancel
- Open the active GetIT or Ride Goals plan in the PiggyVest app.
- Check the amount currently available to withdraw and the cancellation or break-plan fee displayed on screen.
- Verify when the plan started, whether 24 hours have elapsed and how the original contribution was paid.
- Read the confirmation page for the net amount you will receive and any effect on the car order.
- Save the confirmation or support reference after submitting the request.
Do not apply Piggybank’s 3.5% rule to GetIT
Piggybank and GetIT have different purposes and different exit mechanics.
| Feature | Piggybank | GetIT car plan |
|---|---|---|
| Product purpose | General savings with autosave | Structured funding for a selected Mikano car |
| Missed contribution | No automatic back-debit and no missed-payment charge; Quick Save can catch up | Published materials do not state the exact remedy |
| Early access rule | Withdrawals outside listed free dates can incur a 3.5% penalty under the terms | Breaking or cancelling early costs 5% of the amount withdrawn |
| Free dates or exception | FAQ lists March 31, June 30, September 30 and December 31 as quarterly free-withdrawal dates | Cancellation within 24 hours is free unless payment was by card or bank transfer |
| Interest | Separate Piggybank rules apply | Does not earn interest |
| Cancellation after target | Governed by Piggybank withdrawal rules | Order cannot be cancelled once the target is reached |
The 3.5% figure comes from PiggyVest’s terms of use, last updated in 2025, and belongs to Piggybank withdrawals outside the stated free dates. It is not an alternative way to calculate the GetIT 5% early-break fee.
How the GetIT schedule works
| Choice | Available options |
|---|---|
| Contribution frequency | Daily, weekly, bi-weekly or monthly |
| Plan duration | 3, 6, 9 or 12 months |
| First contribution | Taken at setup unless “Start saving immediately” is switched off |
| Delivery timing | After the savings target is completed |
| Target amount | May change if the vehicle price changes; PiggyVest says it will notify the saver in advance |
Choose a frequency that matches when your income actually arrives. A monthly plan may be easier to fund from a salary, while a daily or weekly plan can suit irregular income—but only if you can keep enough money available for each scheduled contribution.
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- Identify the product. Confirm whether the balance is in Piggybank or GetIT/Ride Goals. The fee rules are not interchangeable.
- Check the date and status. For GetIT, note the start time, whether the 24-hour period has passed and whether the target has already been reached.
- Review the payment method. The 24-hour free-cancellation exception does not apply when the payment was made by card or bank transfer.
- Read the current in-app calculation. Confirm the amount withdrawn, the 5% deduction where applicable and the net amount shown before authorising.
- Ask support about an unclear missed payment. GetIT’s published description does not establish how a missed contribution affects the deadline or vehicle order.
- Consider whether partial access is enough. If you only need part of the balance, check whether the app permits a smaller withdrawal; the stated GetIT fee is based on the amount withdrawn.
Questions to ask before starting a car plan
- What exact amount and date will be collected for each contribution?
- Will the first contribution be taken immediately, or will “Start saving immediately” be disabled?
- What happens if one contribution is late or unavailable?
- Does a missed contribution extend the end date or affect vehicle delivery?
- How is the 5% fee calculated if only part of the balance is withdrawn?
- What payment methods qualify for the 24-hour free-cancellation rule?
- How will a vehicle-price change alter the target, and how much notice will be provided?
- What happens after the target is reached, when cancellation is no longer available?
How GetIT differs from ordinary savings or an auto loan
Use these decision points when comparing a structured car plan with a normal savings account or borrowing:
- Access before maturity: determine whether you can withdraw at all and what the net amount would be.
- Early-exit cost: compare GetIT’s 5% amount-withdrawn fee with the other product’s documented charge.
- Interest: GetIT does not earn interest, while another savings product may have its own stated rate.
- Target flexibility: GetIT’s target may change when the vehicle price changes.
- Payment flexibility: check whether missed contributions are skipped, rescheduled or treated as a default.
- Possession timing: GetIT delivery occurs after the target is completed; borrowing may provide earlier possession but creates repayment obligations.
- Written remedy: insist on clear terms for a missed payment, delayed delivery or a changed target.
Bottom line for a missed payment or emergency
If you missed a Piggybank autosave, you have not incurred a missed-payment fee or an automatic catch-up debit; use Quick Save when you are ready. If the money is in GetIT, do not rely on Piggybank’s treatment. Check the active agreement because the published announcement does not spell out the consequence of a missed car-plan contribution.
For an early GetIT exit, budget for 5% of the amount withdrawn, check the 24-hour payment-method exception and act before the target is reached if cancellation may be necessary. The plan is purchase funding—not credit—and it pays no interest.
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