Now live across Nigeria · 36 states

Your bank is now a WhatsApp chat.

Send money by chatting — settles in 3.2 seconds.

Credafi lets you send money, pay bills, and get instant loans by chatting in plain English, Pidgin, or your local language. No app to install. No queues at the bank.

See how it works

Free to start · BVN-verified · Licensed by the CBN

A Credafi customer standing beside a branded Credafi vehicle

Real customers · Real ambition

Connected to every Nigerian bank

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Everything you'd do at a bank. Just by chatting.

One chat replaces six apps. Credafi handles the bank, the wallet, the bills, and the loan — all from your WhatsApp.

01

Send money

P2P or to any Nigerian bank account in under 3 seconds. Type ‘send ₦5k to Amaka’ — done.

02

Pay every bill

Airtime, data, DSTV/GOtv, IKEDC, EKEDC, AEDC. Pay your meter without ever leaving the chat.

03

Instant loans

₦50,000 – ₦5,000,000 from 7 to 90 days. Approved in under two minutes based on your Credafi score.

04

AI that gets you

Speak in English, Pidgin, Yoruba, Igbo, or Hausa. Send a voice note. Snap a bill. Credafi understands.

Built-in fraud shield

The AI watches every chat for scams, in real time.

Credafi scores every message and every transaction with our ML risk engine. If your "uncle in Dubai" suddenly asks for a transfer, we'll stop it before you send a kobo.

  • Social-engineering and 419 detection on every message
  • Real-time transaction risk scoring (block · review · allow)
  • BVN-bound accounts — no SIM-swap takeovers
The Credafi debit card — real spending power backed by your WhatsApp wallet

Live in two minutes.

01

Say hi on WhatsApp

Message our number and we'll set you up in two minutes — name, BVN, bank account.

02

Fund your wallet

Move money in from any Nigerian bank, USSD, or card. Zero fees on top-ups.

03

Just chat

Send, pay, borrow, check balance. The AI handles the rest. Confirm with a single word.

Nigerians banking through WhatsApp on their phone

Community

Join our WhatsApp community today.

Thousands of Nigerians already save, send, and borrow on Credafi every day. Say hi and we'll get you set up in two minutes.

₦82B

moved through Credafi

3.2s

average transfer time

412k+

verified Nigerians

99.97%

uptime, 24/7 on WhatsApp

Your next transfer starts in WhatsApp.

No app store. No download. Just message Credafi and you're banked.