Detty December: The True Cost of Dealing with Delayed Money Settlements
Travelling to Nigeria during December comes with vibes, plans, back-to-back movement, and spending that stacks up quickly. Detty December has become a movement, a mix of experiences, events, impulse plans, last-minute bookings, contributions and gifting. Because of that, the speed at which your money moves becomes extremely important.
Every delay in cross-border transfers affects your December plans more than you realise.
Why delayed settlements hit harder in December
- The timetable is tight — events, concerts, flights, lounges, dining, hotels — everything is time-sensitive.
- Exchange rate shifts are more unpredictable during holiday season — and a small delay can shrink your value.
- You spend in multiple flows — gifting, hosting, last-minute bookings, group bills, fueling, fixing things at home.
- Family expectations are high — and delayed funds can easily change plans when you land.
- Peak season is opportunity season — good deals, flash discounts, drop-ins, merch, travel options and delays cost you choices.
December is a one-of-a-kind month. Everything moves faster — your money should too.
Instant payments become a necessity, not a bonus
When you're on the move across airports, cities, events and reunions, you simply can't afford to wait three business days for funds to reflect. It is not practical. It interrupts enjoyment, readiness, and planning.
Fast settlement is what gives confidence when you're switching between pounds, dollars, and naira without stress.
December is once a year…
…there is no reason for your plans, enjoyment or energy to get slowed down because your money wasn't ready when you needed it.
Money should land instantly, so you're free to be present, enjoy your time home, and make the most out of every memory you're creating for the year's end.
