Send money free, pay bills and buy airtime — all inside WhatsApp, no download. Prefer the full experience? Get the app for dollar cards, savings and more — then bank on WhatsApp too.
Onboard and transact in seconds inside WhatsApp — no download needed. Want the full toolkit? Get the app for dollar cards, savings and more — and keep banking on WhatsApp too.
Chat to onboard with your BVN, get a secure wallet, then send money free, buy airtime & data, pay bills and run Ajo group savings — all without leaving WhatsApp.
Unlock the full toolkit — virtual dollar cards, savings, multi-currency wallets and loans. And everything you set up in the app works on WhatsApp too.
Link your number once, then bank by text. Zitch understands plain language — "send 5k to my brother John" just works — while your PIN still guards every kobo.
Transfer to any Nigerian bank with name-check, confirm and PIN — all inside WhatsApp.
Top up any network, buy data bundles, pay electricity and cable. Prepaid tokens arrive in the receipt.
Check every wallet or convert NGN to USD, GBP and CAD with a 60-second locked quote — by text.
Transfers, top-ups, bills, cards and savings — fast, reliable, and at the best prices.
Free transfers to every Nigerian bank, instant between Zitch users.
MTN, Airtel, Glo and 9mobile, topped up in seconds.
All discos, prepaid & postpaid. Tokens in seconds.
DStv, GOtv and StarTimes renewals without queues.
Spend your USD wallet anywhere online.
Lock funds and watch your savings grow.
Quick credit, clear terms, repay in-app.
WAEC/JAMB pins and instant betting wallet top-ups.
Run automated Ajo/Esusu rounds with friends and family.
Shared wallets for runs, contributions and the household.
Scan to pay merchants instantly — no account numbers.
Send a voice note in Pidgin, Yoruba, Igbo or Hausa — Zitch gets it.
Hold dollars, pounds and Canadian dollars beside your naira, and convert at honest, time-boxed rates — in the app or by chat.
AI can draft a transfer, but only your PIN can move money. One wrong PIN cancels the whole flow.
BVN, NIN and face verification keep your account yours — and keep fraudsters out.
An append-only ledger records every movement and every admin action. Nothing happens off the record.
Everything you need to know about banking with Zitch. Still stuck? Email [email protected].
Zitch operates in partnership with CBN-licensed financial institutions, and customer funds are held with regulated partners. Every transaction is protected by your secret PIN, bank-grade BVN/NIN and face verification, and an append-only audit trail records every movement.
Download the Zitch app from the App Store or Google Play, sign up with your phone number, verify the OTP, set a password and a 4-digit PIN, and you're ready. Opening an account takes a few minutes.
Send money to any Nigerian bank, buy airtime and data on all networks, pay electricity and cable bills, buy exam pins, fund betting wallets, get a virtual dollar card, grow your savings, and hold and convert NGN, USD, GBP, CAD and CNY.
Link your phone number once, then bank by chatting with Zitch on WhatsApp in plain language — for example, “send 5k to my brother John.” Zitch can draft the transaction, but no money ever moves until you approve it with your fingerprint, Face ID or PIN.
Zitch-to-Zitch transfers are instant, transfers to other Nigerian banks arrive in seconds, and airtime, data and electricity tokens are usually delivered within a few seconds.
You can reach the Zitch team on WhatsApp, by email at [email protected], or by phone at 08166938327, 8am to 8pm daily. You can also follow @zitchng on Instagram and Facebook for updates.
Open an account in minutes, link your WhatsApp, and your money goes wherever your conversations go.