SendOWO turns your WhatsApp into a full banking experience. Transfer funds, pay bills, buy airtime — all in plain conversation. Even voice notes work.
Transfer to any bank in Nigeria. Save beneficiaries and resend with just a name next time.
Buy airtime or data bundles for yourself or anyone. Works across MTN, Airtel, Glo, and 9mobile.
Pay for electricity, cable, or internet. Get tokens and confirmations delivered right in chat.
Record a voice note in Pidgin, Yoruba, Igbo or Hausa. Our AI processes it just the same.
Start a thrift group with friends or family. Everyone contributes, one person collects each round.
Log debts, send reminders, and get notified when people pay up. No awkward follow-ups.
Text "Hi" to our WhatsApp number and you're in.
We generate a dedicated account number for you instantly.
Transfer from any bank or USSD. Reflects in seconds.
Transfer, recharge, pay bills, save — all by chatting.
No account numbers to memorize. SendOWO learns your contacts — next time, just say "send to my brother" and it knows who you mean.
Try it now →Say the network, say the amount — or don't. We detect your carrier automatically. Top up for friends using their number.
Try it now →Enter your meter number and amount. We handle the rest — your token appears right there, ready to copy and enter.
Try it now →Every action that touches your money requires your personal 4-digit PIN. No exceptions.
Your funds are held by a CBN-regulated microfinance bank. Fully compliant and insured.
AES-256 encryption on all stored data. Meets NDPR standards for Nigerian data protection.
If a transfer fails at any point, the money returns to your wallet immediately. No forms to fill.
WhatsApp's built-in encryption means nobody — not even us — can read your messages.
Phone stolen? Text "freeze" from any number and your account locks down instantly.
Thousands of Nigerians already handle their money through one WhatsApp conversation.
Get Started — It's Free