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
Thousands
of Nigerians banking smarter
Thousands
of transfers processed
24/7
always available
100%
PIN-protected
Powered by Anchor
Backed by a licensed institution
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 are processed through Anchor's regulated infrastructure. Deposits, transfers, and bill payments — all running on licensed rails.
Learn more about Anchor →Safety first
Built for security
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.
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.
💡 Pay Bills
Pay DSTV, GOtv, Startimes, Showmax, and electricity bills for all major discos. Instant token delivery for prepaid meters.
🎤 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.
🐷 Savings Box
Lock money away until a set date — 30, 60, or 90 days. Get ₦200 free airtime when your box matures. 1% early access fee keeps you accountable.
How people use Aurra
Real conversations, real lives
From market traders to university students — Aurra fits into how you already communicate.
Market Trader
"Send ₦15,000 to my supplier on GTBank"
Pay suppliers without leaving your stall. Chat Aurra on WhatsApp, confirm the name, enter your PIN — done in seconds.
University Student
"Split this ₦4,500 bill for suya with 3 friends"
Split bills with flatmates. Everyone gets a WhatsApp message with their share. No awkward "who owes who" conversations.
Freelancer
"Buy 1GB MTN data for my laptop hotspot"
Stay connected on the go. Buy airtime or data for any network — free of charge. Voice notes work too.
Family Support
"Send ₦10,000 to mum's Access Bank account"
Send money to family across Nigeria. Account name verified before you confirm — so you always know who you're sending to.
Relationship Goals
"Buy ₦1,000 Airtel airtime for my babe 08123456789"
Surround your people with love. Buy airtime for anyone — your partner, parents, siblings. It's free.
Home Owner
"Pay my DSTV Premium — smartcard 7030495169"
Pay cable TV and electricity bills without queuing. DSTV, GOtv, Startimes, all electricity discos — instant delivery.
Your language
Chat the way you naturally talk
Aurra understands English, Pidgin, Yoruba, Igbo, and Hausa. Type or send a voice note — in whatever language feels right.
English
Pidgin
Yoruba
Igbo
Hausa
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 (Capped at ₦700)
Fund your Aurra wallet via bank transfer — 0.7% fee, capped at ₦700.
- Auto-credited instantly
- Any bank, any time
- No 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 – ₦20,000
per transfer
Everyday transfers at a fair flat fee. ₦50 Aurra fee + ₦50 stamp duty.
- All Nigerian banks
- Account name verified first
- Instant processing
- Auto-refund if failed
Bank Transfers
₦20,001 – ₦49,999
per transfer
Mid-size transfers. ₦50 Aurra fee + ₦60 Anchor processing fee.
- All Nigerian banks
- Account name verified first
- Instant processing
- Auto-refund if failed
Bank Transfers
₦50,000 and above
per transfer
Large transfers at a flat ₦150. ₦100 Aurra fee + ₦50 stamp duty.
- 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
Bill Payments
Cable TV, Electricity
per transaction
Pay DSTV, GOtv, Startimes, Showmax, and electricity bills for all major discos.
- All major providers
- Customer validation before payment
- Instant token delivery
- Auto-refund if failed
Bank transfer deposits: 0.7% (capped at ₦700)
Funding your Aurra wallet costs just 0.7%, capped at ₦700. Transfer to your personal virtual account number and the money auto-credits to your wallet instantly. No minimum deposit.
FAQ
Questions? Answered.
Everything you need to know before you get started.
Feedback
Help us improve
Got a suggestion, found a bug, or just want to share your experience? We read every message.