What is Kira AI?
Kira AI is an artificial intelligence-powered banking assistant that lives on WhatsApp. Instead of downloading a separate banking app, Nigerians can simply chat with Kira AI to send money, buy airtime, pay bills, and manage their finances — all through natural conversation.
Built by Kira AI Limited (operating as SendWithKira), Kira AI uses advanced natural language processing to understand requests like "Send ₦5,000 to David at GTBank" and processes them securely within seconds.
Whether you search for Kira AI, Kira, kira.ai, kira-ai, SendWithKira, or Send with Kira — they all refer to the same revolutionary WhatsApp banking platform.
Why Kira AI?
No App Required
Kira AI works entirely within WhatsApp. No downloads, no sign-ups, no extra apps cluttering your phone.
AI-Powered Understanding
Kira AI uses artificial intelligence to understand your banking requests in natural language — just chat like you're texting a friend.
All Nigerian Banks
Send money to 150+ Nigerian banks including Access, GTBank, First Bank, UBA, Zenith, and more with Kira AI.
Zero Fees
Kira AI is completely free for core banking transactions. No hidden charges, no subscription fees.
Bank-Grade Security
Kira AI uses WhatsApp's end-to-end encryption plus additional bank-grade security layers to protect your transactions.
24/7 Availability
Unlike bank branches, Kira AI is available round the clock. Send money at midnight, buy airtime at dawn — Kira AI never sleeps.
The Company Behind Kira AI
Kira AI Limited is a Nigerian fintech company headquartered in Abuja, Nigeria. The company operates the SendWithKira platform, making banking accessible to millions of Nigerians through WhatsApp.
Kira AI Limited's mission is to make everyday banking as simple as sending a text message. By leveraging artificial intelligence and WhatsApp's massive reach in Africa, Kira AI is bridging the gap between traditional banking and the way Nigerians actually communicate.
Try Kira AI Today
Join thousands of Nigerians who already use Kira AI for WhatsApp banking.