Send money on WhatsApp. To any bank, or any number.
Type it the way you'd say it. Kolet shows you who's receiving, you approve with your PIN on a page only you can open, and the money moves in under 3 seconds. The receipt lands in the same chat.
No app · No account number needed · Unclaimed money returns to you in 24 hours
Kolet
tap for contact info
₦5,000 sent
Emeka O. · GTBank
Under 3 seconds
Typical transfer
Fee ₦10.75
₦10 + VAT, shown first
PIN on a secure page
Never in the chat
Say it like this.
Send 5k to Emeka
People you've saved, by the names you call them.
Send 20,000 to 0123456789 GTBank
Any account at any Nigerian bank.
Send 2k to 0803 445 2210
A phone number is enough, even if they've never heard of Kolet.
The same fee as your bank. Free between Kolet users.
₦10, ₦25 or ₦50 by amount, plus VAT: the figures already on your bank alerts. Stamp duty from ₦10,000 is the government's, shown on its own line so you never mistake it for ours. Sending to another Kolet account costs nothing.
Your PIN never enters the chat.
Every payment from ₦5,000 is approved on a single-use page tied to that exact payment. The link works once and expires in 10 minutes.
No account number? No problem.
Send to a phone number instead. If they're on Kolet it lands instantly. If not, Kolet holds it and messages them a claim link. Unclaimed after 24 hours, it comes back to you.
Over 50 Nigerian banks including GTBank, Access, Zenith, First Bank, UBA, Fidelity, Sterling, Wema, and every other NIP-enabled institution.
The same as your bank charges: ₦10 up to ₦5,000, ₦25 up to ₦50,000, ₦50 above that, each plus 7.5% VAT. From ₦10,000 the ₦50 stamp duty applies; that is a FIRS charge, not ours, and it is shown on its own line. Transfers to other Kolet users are free.
We always show you the account name before you confirm. Double-check the name before tapping Confirm. Once a transfer is confirmed by the bank, it cannot be reversed by us.
Yes. Send to their phone number. They get a WhatsApp message with a link to collect it into any bank account, or keep it in Kolet. If they don't collect within 24 hours, you get a full refund.
Under 3 seconds once you approve. The receipt arrives in the chat as a PDF.
Ready when you are.
Also on WhatsApp: Buy Airtime and Data · Pay Electricity and Cable TV Bills · Open a Bank Account · All features