Transfer money, buy airtime, pay bills, save & more β all by chatting on WhatsApp. No app download. AI-powered.
Start on WhatsAppTransfer funds to any bank account instantly. Save beneficiaries and just say "send to my wife" next time. Voice notes work too.
Try it out βTop up any number on MTN, Airtel, Glo, or 9mobile. Auto-detects the network. Just say "buy me 1000 airtime" and you're done.
Try it out βValidate your meter, pay, and get your token instantly β all in one chat. IKEDC, EKEDC, AEDC, and more supported.
Try it out βCreate savings circles with friends. Everyone contributes, one person collects each round. Invite by code, track contributions β all in WhatsApp.
Try it out βSend a voice note to transfer money. Snap a photo of an account number to pay someone. No typing needed. Works in Pidgin, Yoruba, Igbo, Hausa.
Try it out βYour money and data are safe with world-class security.
Set a 4-digit PIN for instant confirmations, or use one-time codes. Switch anytime.
Deposits held by Paystack, a licensed microfinance bank regulated by the Central Bank of Nigeria.
All personal data is encrypted at rest with AES-256. We follow Nigeria Data Protection Regulation standards.
Failed transactions are automatically reversed and refunded. No manual disputes needed.
All messages are protected by WhatsApp's end-to-end encryption. We can't read your chats.
Lost your phone? Freeze your account instantly by contacting support. All activity stops immediately.
SendOWO is an AI-powered financial assistant on WhatsApp. It helps you send money, buy airtime, pay bills, save, and track spending β all through natural conversation.
Just send "Hi" to our WhatsApp number. We'll create your account instantly. Fund your wallet via bank transfer and start transacting.
Yes. We use AES-256 encryption, PIN/OTP verification, and your deposits are held by a CBN-licensed institution. All chats are protected by WhatsApp's end-to-end encryption.
English, Pidgin, Yoruba, Igbo, Hausa, and more. You can also send voice notes in any language.
Bank transfers have a small fee (β¦12ββ¦53 depending on amount). Airtime and data purchases are free. Stamp duty of β¦50 applies to transfers β₯ β¦10,000.
Your money is automatically refunded to your wallet. You'll get a notification immediately. You can also raise a dispute anytime.
One WhatsApp message. That's all it takes.
Start on WhatsApp β Free