Aurra uses WhatsApp Flows, guided screens where you tap to select options, enter amounts, and confirm. You get a personal virtual bank account number, then send money, buy airtime, or pay bills by tapping through simple screens. Every transaction requires your 6-digit PIN.

Is Aurra safe to use?

Yes. Aurra never holds your money. Your money is held in a regulated CBN-licensed institution. Your PIN is encrypted and your data is encrypted in transit and at rest.

How much does Aurra charge for transfers?

Deposits are FREE (no fee). Wallet transfers cost ₦40 below ₦10K; above ₦10K: ₦55–₦100 Aurra fee + ₦50 stamp duty. Savings Box early break fee is 1% (1 free break per box). Airtime and Aurra-to-Aurra transfers are free; data carries a small built-in markup. Cable TV bill payments cost ₦100, electricity ₦50.

Which banks does Aurra support?

Aurra supports all Nigerian banks including GTBank, Access Bank, Zenith Bank, First Bank, UBA, Fidelity, Kuda, Opay, Palmpay, and more.

Can I buy airtime on Aurra?

Yes. You can buy airtime for MTN, Airtel, Glo, and 9mobile, for yourself or any number, completely free with no fees.

How to Use Aurra

Name: Aurra
Author: Aurra

Last updated: 25 September 2026

Aurra lets you send money, buy airtime, pay bills, save, and split expenses — all from WhatsApp. Your dashboard at www.aurra.online gives you the full picture. If you have questions, email us at contact@aurra.online.

1. Getting Started

Start on WhatsApp: Send hi to the Aurra WhatsApp number. You'll be guided through a short onboarding flow — provide your name, email, NIN, and set a 6-digit PIN.

Verify your identity: Complete NIN/BVN verification. Once approved, you'll receive a virtual bank account (account number, bank name, account name) instantly.

Fund your wallet: Transfer money to your dedicated virtual account. It credits instantly — no card linking needed.

Log in to the dashboard: Visit www.aurra.online and sign in with your phone number and PIN for a complete overview of your balance, transactions, savings, and settings.

2. WhatsApp Navigation

Everything works through chat. You can type keywords or tap the buttons on any screen. The main menu (menu) gives you quick access to every feature.

Quick Commands

hi / hello / menuOpen the main menu or restart the welcome screen.
balanceCheck your wallet balance and virtual account details.
send / transfer / paySend money to a bank account or saved beneficiary.
airtime / recharge / topupBuy airtime for yourself or others.
data / internet / bundleBuy mobile data plans.
bill / electricity / cable / dstv / gotvPay electricity bills, cable TV (DStv, GOtv, Startimes), rent, or school fees.
split / divide / shareSplit a bill with friends or pay vendors in bulk.
spending / history / transactionsView your recent transaction history and summaries.
savingsCreate, view, or lock savings boxes.
profile / accountView your account details and settings.
freezeTemporarily block all transactions (requires PIN).
referral / inviteShare your referral code and earn rewards.
help / supportShow help options or contact support.
cancel / stop / backCancel the current flow and return to the menu.
start overRestart onboarding from scratch (if not yet verified).

Flow Screens & Buttons

Most features use guided WhatsApp Flow screens with buttons — just tap. For example:

Welcome screen → tap Send Money, Airtime, Data, Bills, Split, Savings, Balance, Profile.
Send Money flow: select bank → enter account number → amount → confirm → enter PIN → done.
Tip: the welcome screen says "Tap this button anytime to start a transaction without chatting again."

3. Dashboard Navigation

Main Sections

Home: Wallet balance, virtual account details, quick-action buttons (Send Money, Airtime, Data, Bills, Savings, Split Bills).
Transactions: Full history with search, filters (type, status, date), and export.
Split Bills: View, manage, and complete split payments.
Beneficiaries: Add, edit, and delete saved recipients (bank accounts, phone numbers).
Settings: All account controls (see below).

Settings Breakdown

Profile: Update your name, view phone/email, copy referral code.
Account Status: Identity verification status, daily transaction limit (₦500,000), card link status.
Deposit Account: Your virtual account number, bank, and name — share to receive money.
Security: Change PIN, Freeze/Unfreeze Account (requires PIN to re-enable transactions).
Emergency Withdrawal: Move money to your bank if you're locked out of WhatsApp (requires NIN, email OTP, and PIN).
Limits: Daily transaction total and per-transaction caps.
Recovery: Forgot PIN flow via email OTP.
Support: Email support@aurra.online.
Account: Deactivate account (requires PIN) or sign out.

4. Key Things to Know

Freeze blocks everything: If your account is frozen (from Settings or a security action), WhatsApp flows will show "Your account is frozen. Unfreeze it from your dashboard to transact." You must unfreeze in Settings with your PIN.
Deposits are instant: Bank transfers to your virtual account credit your wallet immediately — no manual confirmation needed.
PIN is everything: Every transaction and sensitive action (freeze, emergency withdrawal, deactivate) requires your 6-digit PIN. Three wrong attempts = 30-minute lockout.
No card needed: All funding is via your virtual bank account. No debit card linking required.
Start over resets onboarding: Type start over on WhatsApp to wipe staged onboarding data and begin fresh (only works before verification).
Security alerts: New device/location logins trigger a WhatsApp alert.

5. Support & Contact

📧 General & Privacy: contact@aurra.online
📧 Support (WhatsApp & app issues): support@aurra.online
🌐 Website: www.aurra.online
📱 WhatsApp: Save the Aurra number and message hi anytime.

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