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Bank on WhatsApp.No App. No Stress.
Send money, buy airtime and pay bills with simple guided steps, right on WhatsApp.
No app to download. Just open WhatsApp.
- Always open
- 24/7Always open
- Transfers
- InstantTransfers
- Languages
- 5Languages
- Apps to install
- 0Apps to install
See the product
Banking shouldn't feel complicated.
Just open WhatsApp and follow the simple guided flow.
9:41
Aurra
online
Type a message
01 / Send money
01Send money
Send money in a few taps.
Choose recipient, bank and amount, then confirm. The account name is checked first.
02Airtime & data
Airtime topped up in seconds.
Pick the network, number and amount. Free, for your line or anyone else's.
03Pay bills
Bills without the queue.
Cable TV, electricity, rent and school fees, paid in chat with a receipt.
04Check your money
Your money, in plain sight.
Balance, account details and recent activity in one screen. One word, or one tap.
What you can do
Everything you do at the bank, in chat.
Not menus. Not forms. Guided WhatsApp screens that show you exactly what is happening.
Send money
Send money anywhere in Nigeria, in a few taps.
Any Nigerian bank or fintech, including OPay, PalmPay, Kuda and Moniepoint. The account name is checked before you confirm.
Name-checkedrecipient verified before money moves
- 01Choose recipient
- 02Enter amount
- 03Confirm with PIN
Transfer successful
Just now
- To
- Adaeze Nwosu
- Bank
- GTBank • 0123456789
- Amount
- ₦10,000
- Fee
- ₦100
Account name checked before you confirmed
Send money to banks and fintechs across Nigeria
Airtime & data
Airtime topped up in seconds.
MTN, Airtel, Glo and 9mobile. Any amount, any number, yours or someone else's.
All networksfor your number or anyone else's
- MTN
- Airtel
- Glo
- 9mobile
- 01Pick network
- 02Enter number
- 03Done
Pay bills
Bills paid before the due date.
DStv, GOtv, Startimes, electricity, rent and school fees, in the same chat you already use.
Instant receiptsfor every bill you pay
- 01Choose bill
- 02Enter details
- 03Get your receipt
- DStv
- GOtv
- Startimes
- Electricity
- Rent
- School fees
Save automatically
Savings Box locks money for your goals.
Lock any amount for 14–365 days. One free early break per box, plus ₦200 airtime when it matures.
1 free breakper box, plus ₦200 airtime on maturity
- 01Set amount
- 02Pick duration
- 03Lock
Locked away
₦50,000
Matures in 30 days
Early break
1 free per box
On maturity
₦200 airtime
How it works
Four steps. That's it.
No apps to download. No forms to fill. Just WhatsApp.
Web dashboard
Everything, in one place, beyond the chat.
WhatsApp is where you transact. The dashboard is where you keep the full picture, same number and PIN.
Balance and virtual account
Your wallet balance and virtual account, ready the moment you sign in.
Full transaction history
Every transfer, top-up, bill and deposit, with search and filters.
Saved beneficiaries
The accounts you pay often, ready to reuse anytime.
Security controls
Change your PIN, freeze your account and set limits, all in one place.
Sign in with your WhatsApp number, your 6-digit PIN, and a one-time code we email you.
Security & trust
Simple for you. Secure by design.
Underneath the taps, every transaction is verified before a naira moves, and you stay in control of your account.
Lost your phone?
Freeze your account, then follow our guide to move your number to a new phone. Your balance stays safe.
Can't sign in at all? Email support@aurra.online from your registered email address.
Partnerships built on trust.
Your language
Made for how Nigerians actually move money.
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: ₦50
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: ₦50
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: ₦50
Tik àwọn YES láti ṣe.
🇳🇬
Igbo
ziga ₦5,000 na GTBank 0123456789
A
Anyị chọpụtara akọntị ahụ ✓
Chukwuemeka Obi · GTBank
Ego: ₦5,000
Ụgwọ: ₦50
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: ₦50
Amsa YES don ci gaba.
Voice notes are also supported, just tap the mic icon and speak naturally.
FAQ
Common questions.
Everything you need to know before you get started.
You get a virtual account number. Tap through guided screens on WhatsApp to send money, buy airtime, or pay bills. Every transaction needs your 6-digit PIN.
No. Aurra runs inside WhatsApp, so any phone that can use WhatsApp can use Aurra. There is no app to install and no web form to fill in - everything happens in the chat.
Your first transfer of the day up to ₦5,000 is free - one free transfer per day. After that, transfers are tiered: ₦50 for amounts up to ₦5,000, ₦70 for ₦5,001 to ₦9,999, and ₦115 for ₦10,000 and above. On transfers of ₦10,000 or more, a ₦50 government stamp duty (EMTL) is added. Deposits and Aurra-to-Aurra transfers are free, and airtime is at face value with no fee. Data has no separate fee (a small markup is included in the plan price). Cable TV bills cost ₦100 and electricity ₦50.
Five consecutive incorrect PIN entries lock your account for 24 hours. This is a security feature we cannot override on demand.
Yes. Freezing blocks every outgoing transaction immediately while deposits still arrive safely. Freeze from WhatsApp (type freeze) or from the dashboard (Settings, then Freeze Account). You'll need your PIN to unfreeze.
₦500,000 per day for all verified users. We reserve the right to adjust limits for security reasons, and you'll always see the fee and applicable limit before you confirm.
Ready to bank on WhatsApp?
No app to download. No forms to fill. Just chat.
Guided screens. PIN-secured. Built for Nigeria.