How to send money on WhatsApp
Step-by-step: from opening the chat to the receipt, with account-name check and free daily transfer.
You can send money to any Nigerian bank or fintech wallet from WhatsApp. Here's the full flow.
Before you start
You need a verified Aurra account with money in your wallet. New? Send hi to Aurra and follow onboarding. Once verified, fund your wallet by transferring to your virtual account.
Step by step
- Open Aurra chat, tap Send Money or type
send. - Pick the recipient's bank or search by name.
- Enter the 10-digit account number. Aurra shows the account name — confirm it's the right person.
- Enter the amount.
- Review: amount, fee, total leaving your wallet.
- Type your 6-digit PIN to confirm.
- Receipt appears in chat; transaction shows in history.
Checking the name matters
Nigerian bank transfers can't be reversed easily. The account name step is your cheapest mistake prevention.
Your first transfer of the day is free
Every day, your first transfer up to ₦5,000 is free. After that, standard fees apply (shown on review screen before PIN).
Sending to another Aurra user? Pick their phone number instead of a bank — instant and free.
Common questions
Which banks can I send to?
Every Nigerian commercial bank and fintech: GTBank, Access, Zenith, First Bank, UBA, Kuda, OPay, PalmPay, Moniepoint, etc.
What if the transfer fails?
If wallet debited but transfer didn't go through, money is refunded automatically. Check status on dashboard or type status <ref> on WhatsApp.
Try it yourself, on WhatsApp.
Send hi to Aurra on WhatsApp. Onboarding takes a couple of minutes.
Get Started on WhatsApp