Questions, answered.

You get a virtual account number. Tap through guided screens on WhatsApp to send money, buy airtime, or pay bills. Every transaction needs your 6-digit PIN.

No. Aurra is not a bank or licensed deposit-taking entity. Payments are processed through CBN-licensed partners, and your money is held with them, not with us.

Yes. Your money is held in a regulated CBN-licensed institution. Your PIN is bcrypt-hashed and your data is encrypted.

English, Nigerian Pidgin, Yoruba, Igbo and Hausa. You can type or send a voice note in whatever language you're comfortable with. For guided screens, just tap through the options, no typing needed.

Send hi to the Aurra WhatsApp number. You'll be guided through a short onboarding flow: your name, email, NIN and a 6-digit PIN. Once verified, you receive a personal virtual bank account instantly.

No. Aurra runs inside WhatsApp, so any phone that can use WhatsApp can use Aurra. There is no app to install.

When you sign up, you get a personal virtual bank account number. Transfer money to that number from any Nigerian bank (GTBank, Access, Zenith, First Bank, UBA, Kuda, Opay, or any other). The money auto-credits to your wallet instantly. Deposits are completely free.

Transfers are tiered: ₦50 for amounts up to ₦5,000, ₦70 for ₦5,001 to ₦9,999, and ₦115 for ₦10,000 and above. On transfers of ₦10,000 or more, a ₦50 government stamp duty (EMTL) is added. Deposits and Aurra-to-Aurra transfers are free, and airtime is at face value with no fee. Data has no separate fee (a small markup is included in the plan price). Cable TV bills cost ₦100 and electricity ₦50.

Yes. Aurra verifies and shows you the recipient's account name before you confirm, so you always know who you are paying.

If your network drops after you confirm a transaction, Aurra processes it server-side. If your wallet was debited but the transfer failed, your money is automatically refunded. You can always check your transaction history on the dashboard.

Airtime is: you pay exactly face value on MTN, Airtel, Glo and 9mobile, with no fee on top. Data has no separate fee either. A small markup is already included in the plan price you see before you confirm.

Yes, any number, any network, at face value with no fee.

Cable TV (DStv, GOtv, Startimes), electricity, rent and school fees, all from the same WhatsApp chat.

Cable TV payments cost ₦100 per transaction and electricity payments cost ₦50 per transaction.

Five consecutive incorrect PIN entries lock your account for 24 hours. This is a security feature we cannot override on demand.

No. Your PIN authorises every transaction. Never share it with anyone, including Aurra support staff. We will never ask for your PIN via any channel.

Yes. Type freeze on WhatsApp or use Settings on the dashboard to block all transactions immediately. You'll need your PIN to unfreeze.

Yes. New device or location logins trigger a security alert on WhatsApp.

₦500,000 per day for all verified users. We reserve the right to adjust limits for security reasons.

No. You may only hold one Aurra account. Creating multiple accounts is grounds for immediate termination.

Log in to the dashboard with your phone number and PIN. You'll find your full history with search, filters by type, status and date, and export.

The dashboard gives you the full picture: wallet balance, virtual account details, transactions, beneficiaries, savings boxes and all account settings.

Yes. Deposits via your virtual account are always free. No fee, no minimum. We never charge a deposit fee.

No. There is no monthly subscription. You only pay small fees per transaction, listed on the pricing page.

Yes, ₦100 per month, charged on your signup anniversary in any month where you completed more than 5 transactions and your wallet balance is at least ₦500. If your balance is lower, it is charged the first time it reaches ₦500. It covers the WhatsApp (Meta) messaging costs that keep your Aurra account running.

1% of the locked amount, with one free break per box. When a box matures you get ₦200 free airtime.