AurraAurra
AI-powered · WhatsApp-native · Nigeria

Pay anyone, anytime just by chatting.

Link your card once. Send money, buy airtime, split bills, and get spending coaching — all by messaging Aurra on WhatsApp. Type, or just send a voice note.

PIN-protected every timeAirtime & data — zero feesVoice notes supported
Get Started Free See how it works
A

Aurra

online

Send ₦5,000 to GTBank 0123456789
A
Account confirmed ✓ Chukwuemeka Obi — GTBank Amount: ₦5,000 + ₦50 fee Reply YES to confirm.
YES
A
Enter your PIN 🔐
••••
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✅ ₦5,000 sent! Ref: AUR_M3K9X2 · 2 secs
Bank transfer
A

Aurra

online

Buy ₦500 MTN airtime
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Top up your number with ₦500 MTN airtime? Fee: Free ✨ Reply YES to confirm.
YES
A
Enter your PIN 🔐
••••
A
✅ ₦500 airtime sent! No fee charged.
Airtime (free)

Simple setup

Up and running in 3 steps

No bank visit, no lengthy forms. Just your phone and 2 minutes.

01

Create your account

Sign up with your WhatsApp number, full name, and set a 4-digit PIN. Takes under 2 minutes.

Your PIN is hashed and stored securely — Aurra never sees it in plain text.

02

Link your debit card

Connect your card via Paystack with a one-time ₦50 tokenization fee — fully refunded to you.

Your card details are stored by Paystack, not Aurra. We only hold a secure token.

03

Chat to pay

Message the Aurra WhatsApp number in plain English. That's it — you're banking.

"Send ₦3k to UBA 0123456789" · "Buy 1GB MTN data" · "How much did I spend today?"

Start now — it's free

Live examples

See it in action

Real conversations — this is exactly how Aurra responds on WhatsApp.

A

Aurra

online · end-to-end encrypted

abeg send 10k to access bank 0987654321
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I heard you — checking that account...
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Account confirmed ✓ Adaeze Nwosu — Access Bank Amount: ₦10,000 Fee: ₦100 Total: ₦10,100 Reply YES to continue or CANCEL to stop.
YES
A
Enter your PIN 🔐
••••
A
✅ Done! ₦10,000 sent to Adaeze Nwosu. Ref: AUR_K2M8P1 · 3 seconds

What Aurra can do

Everything in one conversation

Daily payments, bill splitting, voice banking, and spending coaching — all on WhatsApp.

From ₦30

Bank Transfers

Send to any Nigerian bank account instantly. Account name verified before you confirm.

Zero fees

Airtime & Data

Top up any MTN, Airtel, Glo, or 9mobile number in seconds. Any amount, any time.

New ✨

Voice Messages

Send a WhatsApp voice note and Aurra transcribes it instantly. Talk the way you naturally would.

New ✨

Bill Splitting

Paid for the group? Tell Aurra to split it. Everyone gets a WhatsApp message with their share and how to pay back.

New ✨

Spending Coach

Ask "coach me on my spending" and Aurra gives you a personalised insight — not just numbers, but patterns and advice.

Real-time

Spending Insights

"How much did I spend today?" gets you an instant breakdown by category. Full history on your dashboard.

Always on

PIN Security

Every transaction requires your 4-digit PIN. Three wrong attempts locks the account for 30 minutes automatically.

Guaranteed

Auto Refunds

If a transaction fails after your card is charged, your money is automatically refunded within 15 seconds.

24/7

Always Available

Aurra is live 24/7 — bank at 3am, on weekends, on public holidays. No downtime.

Payments run on Paystack — the same infrastructure behind Flutterwave, Piggyvest, and most Nigerian fintech apps

How it really works

Built on trust, designed for safety

Giving payment control to a WhatsApp assistant sounds risky. Here is exactly what happens when you send a payment — no jargon.

What happens when you send a payment

You type

"Send ₦5k to GTB"

Aurra reads it

Understands your intent

You confirm

Check details + PIN

Paystack charges

Your card is debited

Bank receives

Money lands instantly

Aurra never holds your money

Your card is charged directly by Paystack — a CBN-licensed payment processor. Aurra only receives a success or fail signal. We have no ability to hold, move, or access your funds.

Aurra understands how you actually type

Powered by Google Gemini, Aurra understands Nigerian English, pidgin, abbreviations, and typos. "abeg send 5k to gtb" works just as well as "transfer ₦5,000 to GTBank". You chat naturally — Aurra figures out the rest.

Your PIN is never stored in plain text

Your 4-digit PIN is scrambled with bcrypt before it is ever saved. Not even the Aurra team can read it. Three wrong attempts locks your account for 30 minutes automatically.

Your card details live at Paystack, not here

When you link your card, Paystack stores the details on their PCI-DSS certified servers. Aurra only holds a secure token — not your card number, CVV, or expiry date.

All payments processed by Paystack — licensed by the Central Bank of Nigeria

Pricing

Simple. Transparent. Fair.

No monthly subscription. No hidden charges. You only pay a small flat fee per bank transfer — airtime and data are always free.

Most popular

Airtime & Data

₦0

Always free

Zero fees on every airtime and data top-up, no matter the amount.

  • MTN, Airtel, Glo, 9mobile
  • Any amount, any number
  • Instant delivery
  • No hidden charges

Transfers below ₦5,000

₦30

per transfer

Small flat fee for everyday bank transfers.

  • All Nigerian banks
  • Instant processing
  • Account name verification
  • Auto-refund if failed

Transfers ₦5,000–₦9,999

₦50

per transfer

Mid-range transfers at a fair flat fee.

  • All Nigerian banks
  • Instant processing
  • Account name verification
  • Auto-refund if failed

Transfers ₦10,000+

₦100

per transfer

Large transfers with the same speed and security.

  • All Nigerian banks
  • Instant processing
  • Account name verification
  • Auto-refund if failed

One-time card linking fee: ₦50

Paystack charges a small tokenization fee when you link your card. This is fully refunded to your account immediately after.

Get Started