Kolet lets you manage your entire financial life through WhatsApp. Send money, buy airtime, pay bills, create virtual accounts, and verify your identity — all through natural conversation. No app to download. No website to visit.
No forms, no complex apps, no waiting in line. Just message like you normally would.
Type "Send ₦10k to my landlord" and Kolet handles the rest — bank verification, security checks, and transfer execution.
Our local AI understands Nigerian English, slang, and context. It classifies your intent and extracts details automatically.
PIN protection, OTP verification, device fingerprinting, velocity checks, and real-time fraud detection on every transaction.
Transfers complete in seconds. Real-time balance updates. Instant airtime and bill payments.
Create a NUBAN virtual account in your name to receive payments from anyone, any bank, instantly.
Get weekly spending summaries, category breakdowns, and smart saving tips — delivered right to your WhatsApp.
No app store, no signup forms. Just three simple steps.
Text "Hi" to our WhatsApp number. Kolet creates your account automatically using your phone number.
→Set a 4-digit PIN for security. Verify your BVN to unlock higher limits and full features.
→Send money, buy airtime, pay bills, create virtual accounts — all through natural conversation.
Every banking service you need, available through WhatsApp.
Send money to any Nigerian bank account instantly. Supports single and bulk transfers.
Buy airtime and data for MTN, Airtel, Glo, and 9mobile. All networks supported.
Pay electricity, cable TV, internet, and other utility bills directly from WhatsApp.
Create NUBAN virtual accounts to receive payments from anyone. Real-time credit notifications.
Verify your BVN, NIN, or other government ID directly through WhatsApp chat.
View your complete transaction history, check balances, and download statements.
Multiple layers of protection on every transaction.
4-digit PIN with bcrypt encryption. Auto-locks after 3 failed attempts.
Time-bound OTP for every transaction. Expires in 5 minutes.
We recognize your devices. New devices trigger additional verification.
Daily limits, rapid transfer detection, and unusual activity monitoring.
Real-time fraud pattern detection using machine learning.
Every action is logged permanently. Nothing is ever deleted.
All data encrypted in transit and at rest with AES-256.
All bank callbacks verified with HMAC-SHA256 signatures.
Start with basic limits and upgrade as you verify your identity. All accounts are free.
Phone Number Only
BVN Verification
BVN + Government ID
Join thousands of Nigerians already banking on WhatsApp with Kolet. Free account, instant setup.