Pay anyone, anytime
just by chatting.
Fund your Aurra wallet once. Then send money, buy airtime, split bills — all by chatting on WhatsApp. Type naturally, send a voice note, or ask Aurra AI anything in English, Pidgin, Yoruba, Igbo, or Hausa.
Aurra
online
Aurra
online
Simple setup
Up and running in 3 steps
No bank visit, no lengthy forms. Just your phone and 2 minutes.
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.
Fund your wallet
Transfer money from any Nigerian bank to your personal virtual account number — or optionally link a debit card via Paystack.
Virtual account is provided by Anchor. Card details are stored by Paystack, not Aurra. Choose what works for you.
Chat to pay
Message the Aurra WhatsApp number in plain English, Pidgin, Yoruba, Igbo, or Hausa. Aurra AI understands you.
"Send ₦3k to UBA 0123456789" · "Buy 1GB MTN data" · "How much did I spend today?"
Ask Aurra AI anything
Get spending advice, account answers, fee explanations, and financial tips — in any Nigerian language. Just chat naturally.
"How much do I have?" · "Am I spending too much on airtime?" · "How do I send money?"
Live examples
See it in action
Real conversations — this is exactly how Aurra responds on WhatsApp.
Aurra
online · end-to-end encrypted
What Aurra can do
Everything in one conversation
Daily payments, bill splitting, voice banking, and spending coaching — all on WhatsApp.
Aurra AI
Ask Aurra anything in English, Pidgin, Yoruba, Igbo, or Hausa. Get account answers, spending advice, fee explanations — all by chatting naturally on WhatsApp.
Virtual Account
Get a personal bank account number to receive transfers from any Nigerian bank. Fund your wallet in minutes.
Bank Transfers
Send to any Nigerian bank account instantly. Account name verified before you confirm.
Airtime & Data
Top up any MTN, Airtel, Glo, or 9mobile number in seconds. Any amount, any time.
Voice, Splits & Coaching
Send voice notes — Aurra transcribes them. Split bills with friends — each gets a WhatsApp message. Ask "coach me on my spending" for personalised insights.
Spending Insights
"How much did I spend today?" gets you an instant breakdown by category. Full history on your dashboard.
PIN Security
Every transaction requires your 4-digit PIN. Three wrong attempts locks the account for 30 minutes automatically.
Auto Refunds
If a transaction fails after your wallet is debited, your money is automatically refunded within seconds.
Always Available
Aurra is live 24/7 — bank at 3am, on weekends, on public holidays. No downtime.
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
"How much I don spend?"
Aurra AI reads it
Understands Pidgin, Yoruba, Igbo, Hausa
AI checks your wallet
Pulls your real transaction data
You get an answer
Clear breakdown + spending tip
Or take action
Send money, buy airtime, split bills
You type
"How much I don spend?"
Aurra AI reads it
Understands Pidgin, Yoruba, Igbo, Hausa
AI checks your wallet
Pulls your real transaction data
You get an answer
Clear breakdown + spending tip
Or take action
Send money, buy airtime, split bills
Aurra AI speaks your language
Ask Aurra AI anything in English, Pidgin, Yoruba, Igbo, or Hausa — or mix them all. It understands your actual spending, answers account questions, gives saving tips, and explains fees. All powered by Google Gemini.
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.
Pricing
Simple. Transparent. Fair.
Small flat fees per transaction. No monthly subscription. No hidden charges. Fund your Aurra wallet once and spend as you go.
How the Aurra Wallet works
You deposit money into your Aurra wallet via bank transfer to your personal virtual account. That balance sits securely in your wallet. When you transact, we debit your wallet and process the payment. You only pay the small Aurra fee — Anchor's processing fee on deposits and transfers is included in our pricing.
Deposits
Bank transfer to VA
per deposit
Small percentage fee on every deposit to your virtual account.
- Auto-credited instantly
- Any bank, any time
- ₦2,000 minimum deposit
- No card needed
Bank Transfers
Below ₦10,000
per transfer
Send small amounts to any Nigerian bank account.
- All Nigerian banks
- Account name verified first
- Instant processing
- Auto-refund if failed
Bank Transfers
₦10,000 and above
per transfer
Large transfers at a fair flat fee.
- All Nigerian banks
- Account name verified first
- Instant processing
- Auto-refund if failed
Airtime & Data
All amounts
per transaction
Buy airtime and data bundles at face value — no extra fees.
- MTN, Airtel, Glo, 9mobile
- Any number, any time
- Instant delivery
- Wallet funded
Aurra-to-Aurra
Internal transfer
per transfer
Send money to other Aurra users instantly — zero fees.
- Instant settlement
- No charges
- Just need their phone number
- Wallet funded
Bank transfer deposits: 0.8% fee
Funding your Aurra wallet is as simple as transferring money to your personal virtual account number. A 0.8% fee applies (₦80 on a ₦10,000 transfer). The money auto-credits to your wallet instantly. Minimum deposit is ₦2,000.