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    WhatsApp Banking · Nigeria

    Send money like
    you send a text.

    Just say “Send ₦5,000 to David” on WhatsApp — and it happens in seconds. No app, no commands, no hassle.

    Try saying“S”
    10k+
    10,000+ Nigerians
    trust Kira every day
    ✓ Zero charges
    ✓ No app needed
    TOTAL SENT
    ₦1.2B+
    Amara bought ₦500 airtime
    Benin City · just now
    Kira AI
    Kira AI
    online now
    Send ₦5,000 to David
    Message Kira…
    →
    SCROLL
    WORKS INSTANTLY WITH 150+ NIGERIAN BANKS
    GTBankAccessZenithUBAFirst BankKudaOpayMoniepointFidelityFCMBWemaStanbicGTBankAccessZenithUBAFirst BankKudaOpayMoniepoint
    PolarisSterlingUnion BankEcobankPalmpayKeystoneProvidusPolarisSterlingUnion BankEcobankPalmpayKeystoneProvidus
    TOTAL MOVED ON KIRA
    ₦0123456789,012345678901234567890123456789,012345678901234567890123456789,012345678901234567890123456789
    and climbing every single second
    0+
    Active Nigerians
    0+
    Banks supported
    0s
    Avg transfer time
    99.9%
    Uptime, always on
    POWERFUL FEATURES

    Banking, reimagined

    The smartest way to move money in Nigeria. No learning curve, no new app — just the WhatsApp you already use.

    01

    Natural conversation

    Just chat normally. "Send ₦5,000 to my brother" and Kira handles the rest.

    02

    Voice notes

    Talk instead of type. Kira understands Nigerian accents perfectly.

    03

    Screenshot to pay

    Snap a photo of bank details — Kira reads it and pays instantly.

    04

    Always instant

    Money moves in seconds, 24/7. No waiting for banking hours.

    05

    Bank-grade security

    WhatsApp encryption layered with bank-level protection on every move.

    06

    Every Nigerian bank

    GTBank, Access, UBA, Zenith and 150+ others — all supported.

    BUILT FOR SPEED

    Money moves the second you hit send

    No pending screens, no "processing" limbo. Kira clears transfers in seconds — day or night, weekend or holiday.

    YouYour wallet
    ₦₦₦
    DDavid · 4s
    Live on Kira right now
    C
    Chioma A. sent ₦12,500
    Lagos
    ₦12,500
    E
    Emeka O. bought airtime
    Aba
    ₦1,000
    F
    Fatima B. sent ₦45,000
    Kano
    ₦45,000
    T
    Tobi K. paid a vendor
    Ibadan
    ₦8,200
    A
    Ada N. bought data
    Enugu
    ₦2,000
    Y
    Yusuf M. sent ₦30,000
    Kaduna
    ₦30,000
    B
    Blessing E. sent ₦6,750
    Port Harcourt
    ₦6,750
    C
    Chioma A. sent ₦12,500
    Lagos
    ₦12,500
    E
    Emeka O. bought airtime
    Aba
    ₦1,000
    F
    Fatima B. sent ₦45,000
    Kano
    ₦45,000
    T
    Tobi K. paid a vendor
    Ibadan
    ₦8,200
    A
    Ada N. bought data
    Enugu
    ₦2,000
    Y
    Yusuf M. sent ₦30,000
    Kaduna
    ₦30,000
    B
    Blessing E. sent ₦6,750
    Port Harcourt
    ₦6,750
    REAL AI · NOT KEYWORDS

    Kira reads between the lines

    Type the way you talk. Kira pulls out the intent, amount, people and timing — then confirms before a single naira moves.

    Send 5k to my designer Tobi by 6pm
    Kira is understanding…
    IMAGE RECOGNITION

    Snap a screenshot. Kira does the typing.

    Share a photo of any bank details and Kira reads the account, the bank and the name — then sends. No squinting at digits, no fat-finger mistakes.

    ACCOUNT DETAILS
    Kindly transfer before ordering · POS available
    Bank
    GTBank
    Account number
    8051 2233 90
    Account name
    Mama Put Kitchen
    Thank you 🙏
    AI VISION · SCANNING
    Reading image…
    VOICE NOTES

    Just say it. Kira hears you.

    Send a voice note and Kira understands — no typing, no menus. It even gets the accent right.

    EnglishPidginYorùbáHausaIgbo
    David
    Voice message
    now
    ▶
    0:06
    Transcribing voice…
    “”
    REAL-TIME RAILS

    Watch a transfer settle — live.

    From your wallet to theirs in seconds. Here's every step Kira clears the moment you confirm.

    TRANSFER STATUS
    0.0s
    Processing…
    1
    You
    ₦5,000 ready to send
    2
    Kira AI
    Confirmed & routed
    3
    Bank network
    Cleared instantly
    4
    David
    Credited ₦5,000
    SPLIT & COLLECT

    One bill. Everyone pays their share.

    Settle the table in one tap. Kira splits the bill, asks everyone on WhatsApp, and collects — you just watch it fill up.

    Mama Put Kitchen
    Table 7
    Jollof Rice × 4₦8,000
    Peppered Goat₦6,500
    Chapman × 4₦6,000
    Plantain₦3,500
    Total₦24,000
    Split 4 ways · ₦6,000 each
    0%
    COLLECTED
    ₦0 / ₦24,000
    Y
    You
    ₦6,000
    Pending
    C
    Chidi
    ₦6,000
    Pending
    A
    Aisha
    ₦6,000
    Pending
    T
    Tobi
    ₦6,000
    Pending
    SMART INSIGHTS

    Ask Kira anything about your money.

    No dashboards to dig through. Just ask, and Kira breaks it down in plain language — right in the chat.

    How much did I spend this month?
    You've spent ₦128,400 so far. Here's where it went 👇
    This month₦128,400
    Transfers₦55,000
    Food & dining₦42,000
    Data₦18,000
    Airtime₦13,400
    Transfers are your biggest spend this month.
    WHAT YOU CAN DO

    Everything, right inside the chat

    Kira AI
    Kira AI
    online now
    Send ₦10,000 to Mom
    Sent ₦10,000 to Mrs. Adeyemi · Access ••7720 🎉 Done in 3s.
    Transfers
    Send money to anyone
    Move funds to any Nigerian bank in seconds — just say who and how much.
    LOVED ACROSS NIGERIA

    From Lagos to Kano

    ★★★★★

    “My bank app was down so I just sent money to my mum on WhatsApp. Kira did it in seconds. Unreal.”

    C
    Chidi O.
    Lagos
    ★★★★★

    “I send voice notes in Hausa and it still understands me. Buying data for my kids is one message now.”

    A
    Aisha M.
    Kano
    ★★★★★

    “No app, no stress. I screenshot the account and Kira pays. My vendors love how fast I am.”

    T
    Tunde A.
    Ibadan
    ★★★★★

    “Zero charges actually means zero. I've moved almost everything over to Kira.”

    N
    Ngozi E.
    Enugu
    ★★★★★

    “My bank app was down so I just sent money to my mum on WhatsApp. Kira did it in seconds. Unreal.”

    C
    Chidi O.
    Lagos
    ★★★★★

    “I send voice notes in Hausa and it still understands me. Buying data for my kids is one message now.”

    A
    Aisha M.
    Kano
    ★★★★★

    “No app, no stress. I screenshot the account and Kira pays. My vendors love how fast I am.”

    T
    Tunde A.
    Ibadan
    ★★★★★

    “Zero charges actually means zero. I've moved almost everything over to Kira.”

    N
    Ngozi E.
    Enugu
    ★★★★★

    “My bank app was down so I just sent money to my mum on WhatsApp. Kira did it in seconds. Unreal.”

    C
    Chidi O.
    Lagos
    ★★★★★

    “I send voice notes in Hausa and it still understands me. Buying data for my kids is one message now.”

    A
    Aisha M.
    Kano
    ★★★★★

    “No app, no stress. I screenshot the account and Kira pays. My vendors love how fast I am.”

    T
    Tunde A.
    Ibadan
    ★★★★★

    “Zero charges actually means zero. I've moved almost everything over to Kira.”

    N
    Ngozi E.
    Enugu
    ★★★★★

    “My bank app was down so I just sent money to my mum on WhatsApp. Kira did it in seconds. Unreal.”

    C
    Chidi O.
    Lagos
    ★★★★★

    “I send voice notes in Hausa and it still understands me. Buying data for my kids is one message now.”

    A
    Aisha M.
    Kano
    ★★★★★

    “No app, no stress. I screenshot the account and Kira pays. My vendors love how fast I am.”

    T
    Tunde A.
    Ibadan
    ★★★★★

    “Zero charges actually means zero. I've moved almost everything over to Kira.”

    N
    Ngozi E.
    Enugu
    PRIVACY BY DEFAULT

    Locked down, end-to-end.

    Every message rides WhatsApp's end-to-end encryption. Between you and your recipient — and no one in between, not even us.

    You
    🔓
    D
    @§<$ ₦5,000 to David
    Encrypting…
    🔒 AES-256End-to-endPIN verified
    🔒
    BANK-LEVEL SECURITY

    Your money is locked down — always

    Every transaction is protected by WhatsApp's end-to-end encryption and confirmed by you. Lost your phone? Freeze everything with one message.

    Start securely →
    ✓
    End-to-end encrypted
    Rides on WhatsApp's encryption — nobody sees your chats but you.
    ✓
    PIN & biometric confirm
    Every transfer is approved by you before a naira moves.
    ✓
    Instant account lock
    Lost your phone? Freeze Kira with one message from anywhere.
    ✓
    Licensed & compliant
    Operated by Kira AI Limited with regulated banking partners.
    QUESTIONS

    Good to know

    Yes. Every transfer runs over WhatsApp's end-to-end encryption and is confirmed with your PIN or biometrics. If your phone is ever lost, you can lock your Kira account instantly from any device.
    Send "Hi" to Kira on WhatsApp. You'll be set up in under two minutes — no app download, no long forms.
    Sending money, buying airtime and checking your balance on Kira come with zero charges. No subscriptions, no hidden fees.
    All of them — GTBank, Access, UBA, Zenith, First Bank, Kuda, Opay, Moniepoint and 150+ other Nigerian banks.
    Absolutely. Send a voice note in English, Pidgin, Hausa, Yoruba or Igbo and Kira understands and confirms before anything moves.
    Message "Lock my account" from any device or visit the lock page. Kira freezes everything until you safely unlock again.

    Your bank now lives in your chats.

    Say hi to Kira on WhatsApp and send your first naira in under two minutes.

    ✓ Zero charges✓ No app to download✓ 150+ banks
    Start on WhatsApp →