Aurra uses WhatsApp Flows, guided screens where you tap to select options, enter amounts, and confirm. You get a personal virtual bank account number, then send money, buy airtime, or pay bills by tapping through simple screens. Every transaction requires your 6-digit PIN.

Is Aurra safe to use?

Yes. Aurra never holds your money. Your money is held in a regulated CBN-licensed institution. Your PIN is hashed with bcrypt (never stored in plaintext) and your data is encrypted in transit and at rest.

How much does Aurra charge for transfers?

Your first transfer of the day up to ₦5,000 is free (one free transfer per day). After that, deposits are FREE (no fee), wallet transfers cost ₦50 up to ₦5,000, ₦70 for ₦5,001 to ₦9,999, and ₦115 for ₦10,000 and above, plus a ₦50 government stamp duty (EMTL) on transfers of ₦10,000 or more. Savings Box early break fee is 1% (1 free break per box). Airtime and Aurra-to-Aurra transfers are free; data has no separate fee (a small markup is included in the plan price). Cable TV bill payments cost ₦100, electricity ₦50.

Which banks does Aurra support?

Aurra supports all Nigerian banks including GTBank, Access Bank, Zenith Bank, First Bank, UBA, Fidelity, Kuda, Opay, Palmpay, and more.

Can I buy airtime on Aurra?

Yes. You can buy airtime for MTN, Airtel, Glo, and 9mobile, for yourself or any number, at face value with no fee on top.

All tips

Security1 October 2026 · 5 min read

Lost or stolen phone: what to do next

Name: Aurra
Author: Aurra

A missing phone is stressful, but your money is not lost with it. The exact steps to lock things down and get back in.

Your Aurra account follows your WhatsApp number, not the physical phone. So even if the device is gone, your account can be secured quickly, and your balance stays intact while you sort out a new phone.

1. Freeze your account first

Freezing blocks every outgoing transaction immediately, while deposits still arrive safely. Do this before anything else:

If you can still reach WhatsApp on another device, send freeze.
Or sign in to the dashboard anywhere and use Settings, then Freeze Account.
If you have a security email from Aurra, the freeze link in it works too.

2. Protect the number and your email

Because your account is tied to the number, protect the number too. Contact your network provider to block the SIM as soon as possible, and change the password on the email address you use for Aurra, in case anything on the phone could reset it.

3. Get back in on a new phone

Install WhatsApp on the new phone and set it up with the same number. Your chats and your Aurra account follow the number, so you can carry on as before and unfreeze with your PIN when you're ready. If your number itself has changed, email support to move your Aurra account to the new number.

If you cannot access WhatsApp at all

You are not locked out of your money. Use Emergency Withdrawal on the dashboard to send your balance to a bank account in your own name. It needs your NIN, a one-time code to your email, and your PIN, so only you can do it.

Never hand an old phone or SIM to someone else while it can still reach your account. Remove the WhatsApp account and factory reset the device first, or block the SIM with your network.

Need a hand?

Email support@aurra.online from your registered email address with what happened. Support will never ask for your PIN or for a one-time code.

Try it yourself, on WhatsApp.

Send hi to Aurra on WhatsApp. Onboarding takes a couple of minutes.

Get Started on WhatsApp

1. Freeze your account first

Freezing blocks every outgoing transaction immediately, while deposits still arrive safely. Do this before anything else:

If you can still reach WhatsApp on another device, send freeze.

Or sign in to the dashboard anywhere and use Settings, then Freeze Account.

If you have a security email from Aurra, the freeze link in it works too.

If you cannot access WhatsApp at all

Never hand an old phone or SIM to someone else while it can still reach your account. Remove the WhatsApp account and factory reset the device first, or block the SIM with your network.