Send money in seconds: no app, no USSD, no stress
A step-by-step look at how a Kolet transfer works and why it is faster than every alternative available in Nigeria today.
If you have ever tried to send money urgently in Nigeria, you know the pain. The app is slow. The USSD times out. The bank website does not work on mobile. By the time the transfer goes through, the moment has passed.
Kolet is different. Here is exactly what happens when you send money through us.
Step 1: Open WhatsApp
No download. No login. Just open WhatsApp and find the Kolet chat.
Step 2: Tell us what you want
Type naturally. "Send 10,000 to Chioma at Access Bank." We understand plain language. You do not need to learn any commands.
Step 3: We confirm the details
We look up the account, show you the recipient name, and ask you to confirm. You see exactly who is getting the money before a naira moves.
Step 4: Enter your PIN
Your 4-digit PIN. The same one you set when you signed up. We never store it. It is used only to authorise the transfer.
Step 5: Done
The money arrives in under 5 seconds. You get a confirmation. The recipient gets an alert. That is it.
Why it is faster
There is no app to load. No session to maintain. No UI to navigate. The entire flow is conversational, which means it is as fast as you can type.
We built Kolet for the person sitting in traffic, in a market, on a bus. Banking should not require your full attention. It should just work.