AurraAurra

Bank on WhatsApp.No App. No Stress.

Move money, pay bills, and save, by simply chatting. In English, Pidgin, Yoruba, Igbo, or Hausa, with Aurra AI guiding every step.

Start on WhatsApp
A

Aurra

online

Today
Hi
8:18 am✓✓
A
Hi James! 👋 💰 Wallet: ₦25,000 What would you like to do?
8:18 am
≡View options
A

Aurra

online

Today
Hi
8:18 am✓✓
A
Hi James! 👋 💰 Wallet: ₦25,000 What would you like to do?
8:18 am
≡View options
💸

Send Money

Transfer to any bank

8:19 am✓✓
A
💸 Send Money Where do you want to send to?
8:19 am
Bank Account
Aurra User (Free)
Cancel

How it works

Send money in three steps.

No apps to download. No forms to fill. Just chat on WhatsApp.

1

Chat naturally

Type, send a voice note, or ask Aurra AI anything, in English, Pidgin, Yoruba, Igbo, or Hausa.

2

Confirm with your PIN

Aurra shows you the details. Recipient name, amount, fee. Review and approve with your 4-digit PIN.

3

Done. Money sent.

Instant transfer, receipt in seconds. Your money arrives fast, every time.

What Aurra can do

Everything you'd do at a bank, in a chat.

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. Fees start at just ₦40.

Airtime & Data

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

Powered by Anchor, a financial institution licensed by the Central Bank of Nigeria

From our beta testers

Real money, moved by real people.

A few of the Nigerians already banking on WhatsApp with Aurra.

Tunde

Trader, Onitsha

"Sent ₦9,500 to my supplier on GTBank while at the stall. Name came up correct, entered my PIN, done."
Pays suppliers without leaving his shop.

Amara

Student, UNN

"Split ₦4,500 suya with 3 friends, everyone got the WhatsApp alert with their share."
Splits bills with flatmates, no awkward follow-ups.

Emeka

Freelancer, Lagos

"Locked ₦50k for rent in a Savings Box. Got ₦200 airtime when it matured."
Saves toward goals and earns the maturing reward.

Your language

Speak your language. Literally.

Aurra understands English, Pidgin, Yoruba, Igbo, and Hausa. Type or send a voice note, in whatever language feels right.

🇬🇧

English

Send ₦5,000 to GTBank 0123456789
A
Account confirmed ✓ Chukwuemeka Obi · GTBank Amount: ₦5,000 Fee: ₦40 Reply YES to confirm.
🇳🇬

Pidgin

abeg send 5k to access bank 0987654321
A
I don check that account ✓ Adaeze Nwosu · Access Bank ₦5,000 go comot for your wallet Fee: ₦40 Reply YES make I continue.
🇳🇬

Yoruba

ran ₦5,000 si GTBank 0123456789
A
A ti ṣe ayẹwo ahun ✓ Chukwuemeka Obi · GTBank Iye: ₦5,000 Iṣiwa: ₦40 Tik àwọn YES láti ṣe.
🇳🇬

Igbo

ziga ₦5,000 na GTBank 0123456789
A
Anyị chọpụtara akọntị ahụ ✓ Chukwuemeka Obi · GTBank Ego: ₦5,000 Ụgwọ: ₦40 Zaa YES ka ọ ga-aga n'ihu.
🇳🇬

Hausa

aika ₦5,000 zuwa GTBank 0123456789
A
An tabbatar da asusu ✓ Chukwuemeka Obi · GTBank Adadin: ₦5,000 Kudin: ₦40 Amsa YES don ci gaba.
Voice notes are also supported, just tap the mic icon and speak naturally.

Live examples

Watch Aurra work.

Real conversations. This is exactly how Aurra responds on WhatsApp.

A

Aurra

online · end-to-end encrypted

how much money I get for my wallet?
A
You've got ₦24,500 in your Aurra wallet right now. Want me to break down what you spent this month?
sebi I dey spend too much on airtime?
A
Abeg make I check your numbers... 😅 You've bought airtime 7 times this month. Total ₦3,500. If you switch to a ₦1,000 data plan, you go save like ₦2,000. Abeg try am, your wallet go thank you!
₦40 fee for transfer? why?
A
Na tiered fee for wallet transfers, ₦40 for small amounts, then ₦50–₦100 Aurra fee + ₦50 stamp duty for bigger ones. Very fair! Any other question?

Powered by Anchor

Licensed, encrypted, yours.

Aurra doesn't hold your money. Your wallet, virtual account, and all bank transfers run on infrastructure provided by Anchor, a financial institution licensed by the Central Bank of Nigeria.

Anchor

Bank Accounts & Transfers

CBN-licensed. Your virtual account and all bank transfers run on Anchor's regulated rails.

Safety first

End-to-End Encryption

Your data is encrypted in transit and at rest. PINs are hashed with bcrypt. We never store them in plain text.

PIN-Protected Transactions

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

Automatic Refunds

If a transaction fails after your wallet is debited, your money is refunded automatically within seconds.

CBN-Licensed Infrastructure

Aurra is powered by Anchor, a Central Bank of Nigeria-licensed financial institution. Your funds are held in regulated accounts, not with us.

FAQ

The fine print, plainly.

Everything you need to know before you get started.

You get a virtual account number. You chat on WhatsApp to move money. Every transaction needs your 4-digit PIN.
Yes. Aurra never holds your money, Anchor (CBN-licensed) does. Your PIN is bcrypt-hashed and your data is encrypted.
If your network drops after you confirm a transaction, Aurra processes it server-side. If your wallet was debited but the transfer failed, your money is automatically refunded within seconds. You can always check your transaction history on the dashboard.
Yes! Aurra understands English, Nigerian Pidgin, Yoruba, Igbo, and Hausa. Just type or send a voice note in whatever language you're comfortable with. For example, you can say "abeg send 10k to Access Bank 0987654321" and Aurra will process it.
Locked for 30 minutes. Wait it out, or reset it in Settings.
Transfer fees are tiered: ₦40 for transfers below ₦10,000 (no stamp duty). Above ₦10K, you pay an Aurra fee plus ₦50 government stamp duty: ₦55 Aurra for ₦10K–₦20K (₦105 total), ₦60 Aurra for ₦20K–₦50K (₦110 total), ₦100 Aurra for ₦50K+ (₦150 total). Savings Box early break fee is 1% of the amount, but you get 1 free break per box. Airtime, data, and Aurra-to-Aurra transfers are completely free. Cable TV bill payments cost ₦100, electricity ₦50.
Yes, any number, any network. Free.
When you sign up, you get a personal virtual bank account number. Transfer money to that number from any Nigerian bank, GTBank, Access, Zenith, First Bank, UBA, Kuda, Opay, or any other bank. The money auto-credits to your wallet instantly. Deposits are completely FREE, we never charge a deposit fee.

Feedback

Build Aurra with us.

Got a suggestion, found a bug, or just want to share your experience? We read every message.

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