🇳🇬 Live in Nigeria

Bank smarter with AI — on WhatsApp & Telegram

Send money to any Nigerian bank, check your balance, pay bills and track your spending — just by chatting. No new app. No wahala. Powered by The 36th Company.

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20+
Nigerian banks
<3s
Transfer time
24/7
AI support
₦0
Setup fee
💸
₦50,000 sent
Via GTBank · 2s
📊
Balance updated
Access Bank
🔒
PIN secured
Transaction safe
Z
Zeno AI
● Online now
Hey! 👋 Wetin you wan do today?
Send 5000 to Chidi, GTBank
On it! Confirming transfer to Chidi.
Transfer
₦5,000
→ Chidi · GTBank · 0123456789
✓ Sent successfully
How it works

Banking in 4 simple steps

01
💬
Open WhatsApp or Telegram
No new app to download. Message Zeno on any platform you already use every day.
02
📝
Register in 2 minutes
Tell Zeno your name, email, and set a 4-digit PIN. Quick identity check to keep you safe.
03
🏦
Connect your Nigerian bank
Securely link your GTBank, Access, Zenith, UBA or 20+ other banks via Mono Open Banking.
04
🚀
Start banking
Send money, check your balance, pay bills — just by typing naturally in English or Pidgin.
Features

Everything your money needs

💸
Instant Naira Transfers
Transfer money to any Nigerian bank account in seconds — just say who and how much. GTBank, Access, Zenith, UBA, First Bank and 20+ more. Powered by Flutterwave.
📊
Spending Analysis
Know exactly where your naira goes with smart category breakdowns.
Food
72%
Transport
44%
Airtime
28%
🗣️
English & Pidgin
Say "send 5k to Emeka" or "abeg check my balance" — Zeno understands both perfectly.
📱
Airtime & Bills
Buy airtime, data bundles, pay DSTV, NEPA electricity and more — all in one chat.
💳
Zeno Wallet
Get your own dedicated WEMA Bank account number. Fund it from any Nigerian bank instantly.
🤖
24/7 AI Banking Support
No hold music, no call centres. Get instant answers to any banking question, any time of day. Zeno speaks your language, understands your needs, and guides you through everything — from checking your Zenith balance to sending money to your people in Aba.
Security

Your money is always safe

🔐
PIN-Protected Every Time
Every transfer needs your 4-digit PIN. After 3 wrong attempts, your account locks automatically for 24 hours.
🪪
Stripe Identity Verification
Every user completes KYC with government-issued ID (NIN, passport or driving licence) before accessing transfers.
🏦
Read-Only Bank Access
We connect to your bank via Mono Open Banking — read-only. We can't move money without your PIN confirmation.
🛡️
256-bit TLS Encryption
All data between your phone, our servers and your bank is fully encrypted end-to-end.
🛡️
Bank-Grade Security
Your money and data protected at every step
256-bit SSL Stripe KYC PIN Protected Mono Open Banking CBN Compliant
Use Cases

Where Zeno fits your life

Try it now →
🛒
Market money
Send to Family
Send money to your mum in the village, your brother in school, your sister in Abuja — instantly.
📱
Never go dark
Buy Airtime & Data
Top up any Nigerian network — MTN, Airtel, Glo, 9mobile — just by saying the word.
💡
Pay bills
Pay NEPA & DSTV
Electricity, cable TV, subscriptions — all paid in seconds without leaving your chat.
🍕
Split the bill
Split with Friends
Divide the bill after owanbe or dinner — Zeno splits and sends to everyone instantly.
Early Users

What Nigerians are saying

🇳🇬
★★★★★
"I just type 'send ₦5,000 to Emeka GTBank' and e don go. No opening apps, no logging in. This thing na magic!"
Ade O.
Lagos, Nigeria
🇳🇬
★★★★★
"E dey simple pass I think. I just tell Zeno make e send 10k to my guy and e just do am. No stress, no wahala!"
Emeka A.
Lagos, Nigeria
🇳🇬
★★★★★
"Finally a banking tool that speaks my language. Checking my GTBank balance on WhatsApp feels like the future."
Amara N.
Abuja, Nigeria
Start banking smarter today

Join Nigerians managing their money through simple WhatsApp and Telegram conversations. Takes less than 3 minutes to get started. Free forever.

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