Send money to any WhatsApp number.
Even if they've never heard of Kolet. We hold it safely, they get a message, and they collect it to any bank or keep it on WhatsApp. Already on Kolet? It lands instantly.
No app · No account number needed · Unclaimed money returns to you in 24 hours
Sending to someone who is
Held safely · claim link · back in 24h
Kolet
tap for contact info
Kolet
business account
Has never heard of Kolet. No app. No account.
Works with every Nigerian bank
GTBank·
Access Bank·
Zenith Bank·
First Bank·
UBA·
Fidelity Bank·
Kuda Bank·
OPay·
Moniepoint·
PalmPay·
Sterling Bank·
Wema Bank·
FCMB·
Union Bank·
Stanbic IBTC·
Ecobank·
Polaris Bank·
Keystone Bank·
Providus Bank·
Jaiz Bank·GTBank·Access Bank·Zenith Bank·First Bank·UBA·Fidelity Bank·Kuda Bank·OPay·Moniepoint·PalmPay·Sterling Bank·Wema Bank·FCMB·Union Bank·Stanbic IBTC·Ecobank·Polaris Bank·Keystone Bank·Providus Bank·Jaiz 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 number. We confirm the recipient, then move the money. Under 3 seconds, every time.
Emeka Okonkwo
GTBank · ****4872
₦5,000
↑ 2.4s
Adaeze Okafor
Access · ****7123
₦12,500
↑ 1.9s
Bank-grade security
PIN-protected and end-to-end encrypted. We never see or store your PIN. Ever.
Airtime & data
MTN, Airtel, Glo, 9mobile. Recharge any number. No USSD code needed.
MTN · 5GB Data
₦2,000 · Delivered
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
1000 0482 91
Rubies MFB · NIP enabled · Active
Just say it
Things you can just say.
Kolet understands how people actually talk. Every one of these works today.
Send 5k to mum.
Save people with nicknames. Say it how you'd say it.
Snap a photo of the account number.
One account or five on the same image. Kolet reads them and pays.
Send a voice note in Pidgin.
Yoruba, Igbo and Hausa too. It answers out loud.
Every month, automatically.
Standing orders by chat. Daily, weekly or monthly.
Pay 50 people from a spreadsheet.
Upload a CSV or PDF. One confirmation, one receipt.
Your PIN never enters the chat.
A single-use secure page, tied to that exact payment.
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 3 seconds. A PDF receipt lands in the same chat. No waiting. No branch.
What people are saying
Word gets around.
From people who bank on Kolet, in their own words.
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 · via WhatsApp
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 · via WhatsApp
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 · via WhatsApp
“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
Lost your phone?
Freeze your account from any phone.
No app, no call centre, no OTP to a phone you no longer have. Your BVN or NIN and your date of birth are enough, and every transaction stops the moment you tap. It stays frozen until you verify your identity and set a new PIN.
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.
Go to heykolet.com/block-account (also linked in the footer) 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.