No app. No wahala.
Just chat & Go
Chamo lets you send and receive money directly on WhatsApp.
Fast, Secure, and Stress-free.
Because payments should be as easy as a chat.
Because payments should be as easy as a chat.
✨
Send & receive money instantly on Whatsapp
No new app. No downloads. Just your WhatsApp and your wallet.
🏦
No bank app needed
Whether it’s GTB, Access, or Kuda — Chamo connects them all through your WhatsApp.
🔐
Secure. Simple. Nigerian
Backed by SecurePay (PSSP licensed) and NIBSS Direct Debit Mandate.
📄
Fast. Familiar. Fun.
It's payments-but friendlier
Discover how to send money
in 3 simple steps
Because payments should be as easy as a chat.
01
Connect your Bank Account
Link your existing bank account in seconds, no long forms, no apps, no delays. Chamo works seamlessly with all major Nigerian banks.
Works with all major Nigerian banks.
Bank-grade encryption and secure login.
100% Whatsapp setup, no app to install.
Your details are never stored on WhatsApp.
02
Activate Direct Debit
Enable seamless transfers with NIBSS-powered direct debit.
Instant verification through NIBSS Mandate.
No need to type account numbers for every transfer.
Zero hidden fees, transparent charges.
Strong fraud protection and bank-level security.
03
Send Money, Right Inside WhatsApp
Make payments as easy as chatting with a friend.
No learning curve, if you can chat, you can send money.
Works 24/7, even when banking apps are down.
Instant notifications for both sender and receiver.
Can pay both individuals and businesses effortlessly.
How it works
Because payments should be as easy as a chat.
Your money, fully protected 🔐
Chamo is powered by SecurePay (PSSP licensed) and built on NIBSS Direct Debit Mandate — the same rails trusted by Nigeria’s top banks.
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