₦5,000 sent
Emeka O. · GTBank
MTN · 5GB Data
₦2,000 · Delivered
EKEDC · Prepaid
₦10,000 · Paid
Transfer · 3.2s
Moniepoint · Settled
Banking
that lives
in WhatsApp.
Send money. Buy airtime. Pay bills. All from the WhatsApp you already have. No app to install. No password to forget.
No credit check · No monthly fees · CBN regulated
Kolet
online
Message
Works with every Nigerian bank
Features
Everything a bank does.
Done in one chat.
No app. No branch. No queue. Every banking task, in the WhatsApp you already have open.
Send money in seconds
Type a name or account number. We confirm the owner, then move the money. Under 5 seconds, every time.
Emeka Okonkwo
GTBank · ****4872
₦5,000
↑ 3.2s
Adaeze Okafor
Access · ****7123
₦12,500
↑ 2.8s
Bank-grade security
PIN-protected. BVN-verified. End-to-end encrypted. We never see or store your PIN. Ever.
Airtime & data
MTN, Airtel, Glo, 9mobile. Recharge any number in Nigeria. No USSD code needed.
MTN · 0706 *** 4821
5GB Data · ₦2,000
Pay every bill
Electricity, cable, internet, exam fees. One chat thread, every bill.
Your own account number
A dedicated Nigerian virtual account. Anyone can send you money from any bank, any time. No app needed on their end.
Virtual account
7012 3456 89
GTBank · NIP enabled · Active
How it works
Three steps.
That's it.
Message Kolet
Open WhatsApp and say "Send 5,000 to John" or "Buy 2GB Airtel". Plain English. No codes to memorise.
Confirm in one tap
We show you the recipient name and amount. Tap Yes. That's the only form you'll ever fill.
Done. Receipt delivered.
Money moves in under 5 seconds. A PDF receipt lands in the same chat. No waiting. No branch.
What people are saying
“I recharge my mum in Enugu every Sunday. Used to take 5 minutes on USSD. Now I just type it in WhatsApp. Done in seconds.”
Tunde A.
Lagos
“Paid my EKEDC bill at midnight before the token ran out. No app, no queue. Just sent a message. This thing is too convenient.”
Chioma N.
Abuja
“My whole family uses Kolet now. Sending money home to Kano is as easy as sending a voice note. I can't explain it to people until they try it.”
Bello K.
Port Harcourt
“I sent 200,000 naira to my landlord while sitting in traffic. No app. No USSD. Just typed it in WhatsApp. It's witchcraft.”
Adaeze O.
Lagos, Nigeria
FAQ
Common
questions.
Still curious? Chat us on WhatsApp and we'll answer in seconds.
Ask us on WhatsAppNo. Kolet lives entirely inside WhatsApp. If you have WhatsApp, you have Kolet. Nothing to install, nothing to update.
Yes. Your funds are held by a licensed Nigerian wallet provider that is regulated, audited, and covered by the CBN. Kolet never holds your money directly.
Just message us on WhatsApp. The entire signup flow happens in the chat. It takes under 60 seconds. Have your BVN or NIN ready.
We always show you the account name before you confirm. Double-check the name before tapping Yes. Once a transfer is confirmed by the bank, it cannot be reversed by us.
Over 50 Nigerian banks including GTBank, Access, Zenith, First Bank, UBA, Fidelity, Sterling, Wema, and all other major NIP-enabled institutions.
Use the Block Account button at the top of this page to freeze your account immediately. We lock all transactions until you verify your identity and set a new PIN.
Ready?
Talk to your money.
Say hey to Kolet on WhatsApp. Signup takes 60 seconds and you'll never visit a bank branch again.