Hey Kolet — built for Nigeria, lives in WhatsApp.
Talk to your money.
Send money, buy airtime, pay bills, receive transfers — without leaving WhatsApp. No new app to install. No new password to forget.
Everything you need. Where you already are.
We built Kolet because the best banking experience is the one you don't have to switch contexts for.
Send money in seconds
Type the amount, send. No app to download, no separate login. The whole flow lives in WhatsApp.
Buy airtime & data
All major Nigerian networks. Recharge yourself or anyone in your contacts in a couple of taps.
Pay bills
Electricity, cable, internet, exam vouchers — all the everyday bills, one chat thread.
Receive funds anywhere
Your own virtual account number, ready to receive transfers from any Nigerian bank.
Bank-grade security
PIN-protected transactions, BVN-verified identity, encrypted end-to-end. We never see your PIN.
Always-on support
Tap support in the chat any time. Real people, fast responses, real receipts.
Ready in less than a minute.
Open WhatsApp, send us a message, and we'll walk you through signup right there in the chat.