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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 the recipient, pick their bank, enter the amount and confirm. Aurra shows the account name so you know it is right before money moves.
02Airtime & data
Airtime topped up in seconds.
Pick the network, enter the number, choose an amount. Free every time, for your number or anyone else's.
03Pay bills
Bills without the queue.
Cable TV, electricity, rent and school fees, all paid in the chat you already use, with a receipt every time.
04Check your money
Your money, in plain sight.
Balance, account details and recent activity in one screen. Type one word, or tap once.
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 in a few simple taps.
To any Nigerian bank. Aurra checks the account name before you confirm, so you always know who you are paying.
Any bankto every Nigerian bank, with the account name checked before you confirm
- Send Money
- Choose recipient
- Select bank
- Enter amount
- Confirm
Airtime & data
Airtime topped up in seconds.
MTN, Airtel, Glo and 9mobile. Any amount, any number, yours or someone else's.
All networksMTN, Airtel, Glo and 9mobile, for your number or anyone else's
- Pick network
- Enter number
- Choose amount
- Done
Pay bills
Bills paid before the due date.
DStv, GOtv, Startimes, electricity, rent and school fees, all handled in the same chat you already use.
Instantreceipts for DStv, GOtv, Startimes, electricity, rent and school fees
- Choose bill
- Enter details
- Confirm
- Get your receipt
How it works
Four steps. That's it.
No apps to download. No forms to fill. Just WhatsApp.
01
Open WhatsApp
Save the Aurra number and say hi. That is the whole install: no app store, no downloads.
02
Start Aurra
A short setup: your name, email, NIN and a 6-digit PIN. Your personal virtual account is ready in minutes.
03
Follow the guided flow
Every feature is a screen with buttons. Choose, review, confirm. One question per screen, no typing needed.
04
Complete your transaction
Your receipt lands in the same chat with your updated balance. Everything, in one place.
Security & trust
Simple for you. Secure by design.
The easy part is the taps. Underneath, every transaction is verified, encrypted and confirmed before a single naira moves.
01
Your money sits with a regulated partner
Aurra never holds your money. Balances are held with our CBN-licensed payment partner.
02
Your PIN cannot be read, even by us
The 6-digit PIN is hashed with bcrypt before it is stored. It is never kept in plaintext.
03
Review everything before you confirm
Recipient, account name, amount and fee are shown in full before your PIN is ever requested.
04
Five wrong attempts locks you out
Five consecutive incorrect PIN entries lock the account for 24 hours, no exceptions.
05
Failed transactions refund themselves
If your wallet is debited but the transaction fails, the money is returned automatically.
06
Encrypted in transit and at rest
Every request runs over HTTPS, and all stored data is encrypted. Security alerts arrive on WhatsApp.
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.
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). The money auto-credits to your wallet instantly. Deposits are completely free.
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.
₦500,000 per day for all verified users. We reserve the right to adjust limits for security reasons.
Yes, ₦200 per month, charged on your signup anniversary in any month where you completed more than 5 transactions and your wallet balance is at least ₦500. If your balance is lower, it is charged the first time it reaches ₦500. It covers the WhatsApp (Meta) messaging costs that keep your Aurra account running.
Ready to bank on WhatsApp?
No app to download. No forms to fill. Just chat.
Guided screens. PIN-secured. Built for Nigeria.