No app. No wahala.
Just chat & Go
No app. No wahala.
Just chat & Go
Chamo lets you send and receive money directly on WhatsApp. Fast, Secure, and Stress-free.
Chamo lets you send and receive money directly on WhatsApp. Fast, Secure, and Stress-free.
Enter your number to get started
No app. No wahala.
Just chat & Go
Chamo lets you send and receive money directly on WhatsApp. Fast, Secure, and Stress-free.
Enter your number to get started
Because payments should be as easy as a chat.
Simple for everyone. Powerful for you.
Send & receive money instantly on Whatsapp
No app. No downloads. Just Whatsapp.
Send & receive money instantly on Whatsapp
No app. No downloads. Just Whatsapp.
Send & receive money instantly on Whatsapp
No app. No downloads. Just Whatsapp.
No bank app needed
Whether it’s GTB, Access, or Kuda — Chamo connects them all through your WhatsApp.
No bank app needed
Whether it’s GTB, Access, or Kuda — Chamo connects them all through your WhatsApp.
No bank app needed
Whether it’s GTB, Access, or Kuda — Chamo connects them all through your WhatsApp.
Track Transactions with Ease
Check your payment history anytime with a quick message on WhatsApp.
Track Transactions with Ease
Check your payment history anytime with a quick message on WhatsApp.
Track Transactions with Ease
Check your payment history anytime with a quick message on WhatsApp.
Secure and Trusted
Secure and Trusted
Chamo operates in line with Nigerian regulatory requirements and uses secure, bank-grade systems to protect your money and personal information at every step.
Discover how to send money
in 3 simple steps
Because payments should be as easy as a chat.
01
Connect your Bank Account
Link your existing bank account in seconds, no long forms, no apps, no delays. Chamo works seamlessly with all major Nigerian banks.
Works with all major Nigerian banks.
Works with all major Nigerian banks.
Bank-grade encryption and secure login.
Bank-grade encryption and secure login.
100% Whatsapp setup, no app to install.
100% Whatsapp setup, no app to install.
Your details are never stored on WhatsApp.
Your details are never stored on WhatsApp.
02
Activate Direct Debit
Enable seamless transfers with NIBSS-powered direct debit.
Instant verification through NIBSS Mandate.
Instant verification through NIBSS Mandate.
No need to type account numbers for every transfer.
No need to type account numbers for every transfer.
Zero hidden fees, transparent charges.
Zero hidden fees, transparent charges.
Strong fraud protection and bank-level security.
Strong fraud protection and bank-level security.
03
Send Money, Right Inside WhatsApp
Make payments as easy as chatting with a friend.
No learning curve, if you can chat, you can send money.
No learning curve, if you can chat, you can send money.
Works 24/7, even when banking apps are down.
Works 24/7, even when banking apps are down.
Instant notifications for both sender and receiver.
Instant notifications for both sender and receiver.
Can pay both individuals and businesses effortlessly.
Can pay both individuals and businesses effortlessly.
What people say about Chamo
Sending money on WhatsApp has never been this easy.
I just chat, send, and it’s done. No switching apps, no long steps. Chamo fits perfectly into how I already communicate.
Samuel A., Lagos
I pay friends and family in seconds.
With Chamo on WhatsApp, I don’t need to open my banking app anymore. It’s fast and convenient.
Aisha M., Abuja
Perfect for my small business.
I can see exactly how much money comes in and goes out every day. Chamo has helped me understand my cashflow better.
Daniel K., Ibadan
My customers love paying me on WhatsApp
No more complicated payment links. They just send money while chatting with me. Sales are smoother now.
Grace O., Benin City
My customers love paying me on WhatsApp
No more complicated payment links. They just send money while chatting with me. Sales are smoother now.
Grace O., Benin City
My customers love paying me on WhatsApp
No more complicated payment links. They just send money while chatting with me. Sales are smoother now.
Grace O., Benin City
Sending money on WhatsApp has never been this easy.
I just chat, send, and it’s done. No switching apps, no long steps. Chamo fits perfectly into how I already communicate.
Samuel A., Lagos
I pay friends and family in seconds.
With Chamo on WhatsApp, I don’t need to open my banking app anymore. It’s fast and convenient.
Aisha M., Abuja
Perfect for my small business.
I can see exactly how much money comes in and goes out every day. Chamo has helped me understand my cashflow better.
Daniel K., Ibadan
My customers love paying me on WhatsApp
No more complicated payment links. They just send money while chatting with me. Sales are smoother now.
Grace O., Benin City
My customers love paying me on WhatsApp
No more complicated payment links. They just send money while chatting with me. Sales are smoother now.
Grace O., Benin City
My customers love paying me on WhatsApp
No more complicated payment links. They just send money while chatting with me. Sales are smoother now.
Grace O., Benin City
Your money, fully protected 🔐
Chamo processes payments through SecurePay, a PSSP-licensed payment provider ensuring secure and compliant transactions in Nigeria.
Chamo processes payments through SecurePay, a PSSP-licensed payment provider ensuring secure and compliant transactions in Nigeria.
Address: 18 Femi Okunnu Road, Lagos, Nigeria
© 2025 Chamo. All rights reserved
Your money, fully protected 🔐
Chamo processes payments through SecurePay, a PSSP-licensed payment provider ensuring secure and compliant transactions in Nigeria.
Chamo processes payments through SecurePay, a PSSP-licensed payment provider ensuring secure and compliant transactions in Nigeria.
Address: 18 Femi Okunnu Road, Lagos, Nigeria
© 2025 Chamo. All rights reserved
Your money, fully protected 🔐
Chamo processes payments through SecurePay, a PSSP-licensed payment provider ensuring secure and compliant transactions in Nigeria.
Chamo processes payments through SecurePay, a PSSP-licensed payment provider ensuring secure and compliant transactions in Nigeria.
Address: 18 Femi Okunnu Road, Lagos, Nigeria
© 2025 Chamo. All rights reserved