Any bank, any time
Send to any Nigerian bank account. No banking hours, no branch, no queue.
All featuresTransfers
Money that actually moves
Send to any Nigerian bank, or instantly to another KoboVault user.
9:41
Send money
Sending to
O
OBINNA C. EZE
GTBank · 0123456789
Amount
₦25,000
Fee ₦26.88 · Balance ₦248,350.00
Daily limit used₦25,000 / ₦5,000,000
Confirm with PIN
Arrives instantly · NIP
Buys fuel-day airtime and checks the morning's transfers between trips.
Tunde · Ride-hail driver, Ikeja, Lagos
You get a real account number the day you sign up — not a wallet balance you have to cash out of. People send to it from any bank. You send out of it to any bank. And when the other person is also on KoboVault, it lands instantly by phone number or tag.
What it does
The parts that matter
Instant between users
Another KoboVault user is reachable by phone number or tag, and the money is there before you put the phone down.
Beneficiaries that stick
Save the people you pay often. Type a name, not eleven digits.
A receipt for every one
Every transfer has a shareable receipt with its own reference, so a dispute is a screenshot away from being settled.
Start to finish
How it actually goes
Four steps, in the order you'll meet them.
- 1
Pick who
A saved beneficiary, a bank account, or a KoboVault tag. Names are confirmed before anything moves.
- 2
Enter the amount
Your available balance and remaining daily limit are both on screen while you type.
- 3
Authorise it
Your transaction PIN, or your face or fingerprint if you've turned that on.
- 4
Watch it land
The transfer shows its real status — pending, then settled — with a receipt you can share as a PDF.
Transfers are subject to your tier's daily limit and single-transaction cap. Both are shown before you confirm.
In practice
Three people, three reasons
The same feature, used completely differently.
Pays eleven drivers on a Friday without opening a spreadsheet twice.
Invoices clients to a real account number, not a screenshot of one.
Feed suppliers get paid on delivery, from the truck, before it leaves.
Ready to use send & receive?
Email and a phone number gets you started. Add your BVN or NIN when you're ready to move more.
Coming soon toApp StoreGet it onGoogle Play