Send, spend and manage your finances all on WhatsApp.

payment link for ₦63,500 created. you can share it anywhere.

how much have i spent on food this week?

across all your accounts, you have ₦480,200 available.

Penny on WhatsApp

babe

landlord

mum

school

simi

daniel

kiddo

bestie

babe

landlord

mum

school

simi

daniel

kiddo

bestie

babe

landlord

mum

school

simi

daniel

kiddo

bestie

babe

landlord

mum

school

simi

daniel

kiddo

bestie

babe

landlord

mum

school

simi

daniel

kiddo

bestie

babe

landlord

mum

school

simi

daniel

kiddo

bestie

babe

landlord

mum

school

simi

daniel

kiddo

bestie

babe

landlord

mum

school

simi

daniel

kiddo

bestie

babe

landlord

mum

school

simi

daniel

kiddo

bestie

Nickname-based payments

Forget typing account numbers for recurring payments by setting nicknames.

Connect Your Accounts

Easily link your existing accounts for seamless payments.

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top up my glo account with 3k airtime and 10k data.
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Bills, Airtime & Data

Top up any network in seconds.

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Spending Insights

Understand exactly where your money goes.

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Bulk Transfer.

Send money to multiple people at once.

Less Typing. More Talking.

Your voice is the fastest way to get things done. Just send a voice note saying what you want and Penny understands, confirms, and executes instantly.

Send 25k to Tolu from my Access account. Send 15k to my wife’s FirstBank account. Send 15k to my wife’s FirstBank account. Create a payment link for 40k. Send my driver 8k for fuel. Transfer 10k to my landlord. Can I afford to buy this laptop? Show Me All Transactions. Send 25k to Tolu from my Access account. Send 15k to my wife’s FirstBank account. Send 15k to my wife’s FirstBank account. Create a payment link for 40k. Send my driver 8k for fuel. Transfer 10k to my landlord. Can I afford to buy this laptop? Show Me All Transactions. Send 25k to Tolu from my Access account. Send 15k to my wife’s FirstBank account. Send 15k to my wife’s FirstBank account. Create a payment link for 40k. Send my driver 8k for fuel. Transfer 10k to my landlord. Can I afford to buy this laptop? Show Me All Transactions.
Send 25k to Tolu from my Access account. Send 15k to my wife’s FirstBank account. Send 15k to my wife’s FirstBank account. Create a payment link for 40k. Send my driver 8k for fuel. Transfer 10k to my landlord. Can I afford to buy this laptop? Show Me All Transactions. Send 25k to Tolu from my Access account. Send 15k to my wife’s FirstBank account. Send 15k to my wife’s FirstBank account. Create a payment link for 40k. Send my driver 8k for fuel. Transfer 10k to my landlord. Can I afford to buy this laptop? Show Me All Transactions. Send 25k to Tolu from my Access account. Send 15k to my wife’s FirstBank account. Send 15k to my wife’s FirstBank account. Create a payment link for 40k. Send my driver 8k for fuel. Transfer 10k to my landlord. Can I afford to buy this laptop? Show Me All Transactions.
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Turn Your Camera Into A Payment Tool

Introducing Penny
Finance

Stay informed about the markets by checking stock prices, crypto currency values, and real-time exchange rates instantly on WhatsApp.

Penny Finance Phone

Ask Penny
to do anything later.

Schedule future payments, tasks and get reminders on information you care about.

Payment Link Phone

Penny connects with:

GTBank (Guaranty Trust Bank)

Access Bank

UBA

Zenith Bank

Fidelity Bank

Stanbic IBTC

First Bank of Nigeria

Union Bank

Wema Bank

Sterling Bank

Keystone Bank

Polaris Bank

Ecobank Nigeria

Citibank Nigeria

Standard Chartered Nigeria

ALAT by Wema

ASO Savings and Loans

Bowen Microfinance Bank

CEMCS Microfinance Bank

Ekondo Microfinance Bank

FCMB

Globus Bank

Hasal Microfinance Bank

Heritage Bank

Jaiz Bank

Kuda Bank

One Finance

Page Financials

Parallex Bank

OPay (Paycom)

Providus Bank

Rubies Microfinance Bank

SunTrust Bank

TAJBank

TCF Microfinance Bank

Titan Trust Bank

Sterling Bank

First Bank of Nigeria

Unity Bank

VFD Bank

GTBank (Guaranty Trust Bank)

Access Bank

UBA

Zenith Bank

Fidelity Bank

Stanbic IBTC

First Bank of Nigeria

Union Bank

Wema Bank

Sterling Bank

Keystone Bank

Polaris Bank

Ecobank Nigeria

Citibank Nigeria

Standard Chartered Nigeria

ALAT by Wema

ASO Savings and Loans

Bowen Microfinance Bank

CEMCS Microfinance Bank

Ekondo Microfinance Bank

FCMB

Globus Bank

Hasal Microfinance Bank

Heritage Bank

Jaiz Bank

Kuda Bank

One Finance

Page Financials

Parallex Bank

OPay (Paycom)

Providus Bank

Rubies Microfinance Bank

SunTrust Bank

TAJBank

TCF Microfinance Bank

Titan Trust Bank

Sterling Bank

First Bank of Nigeria

Unity Bank

VFD Bank

GTBank (Guaranty Trust Bank)

Access Bank

UBA

Zenith Bank

Fidelity Bank

Stanbic IBTC

First Bank of Nigeria

Union Bank

Wema Bank

Sterling Bank

Keystone Bank

Polaris Bank

Ecobank Nigeria

Citibank Nigeria

Standard Chartered Nigeria

ALAT by Wema

ASO Savings and Loans

Bowen Microfinance Bank

CEMCS Microfinance Bank

Ekondo Microfinance Bank

FCMB

Globus Bank

Hasal Microfinance Bank

Heritage Bank

Jaiz Bank

Kuda Bank

One Finance

Page Financials

Parallex Bank

OPay (Paycom)

Providus Bank

Rubies Microfinance Bank

SunTrust Bank

TAJBank

TCF Microfinance Bank

Titan Trust Bank

Sterling Bank

First Bank of Nigeria

Unity Bank

VFD Bank

GTBank (Guaranty Trust Bank)

Access Bank

UBA

Zenith Bank

Fidelity Bank

Stanbic IBTC

First Bank of Nigeria

Union Bank

Wema Bank

Sterling Bank

Keystone Bank

Polaris Bank

Ecobank Nigeria

Citibank Nigeria

Standard Chartered Nigeria

ALAT by Wema

ASO Savings and Loans

Bowen Microfinance Bank

CEMCS Microfinance Bank

Ekondo Microfinance Bank

FCMB

Globus Bank

Hasal Microfinance Bank

Heritage Bank

Jaiz Bank

Kuda Bank

One Finance

Page Financials

Parallex Bank

OPay (Paycom)

Providus Bank

Rubies Microfinance Bank

SunTrust Bank

TAJBank

TCF Microfinance Bank

Titan Trust Bank

Sterling Bank

First Bank of Nigeria

Unity Bank

VFD Bank

GTBank (Guaranty Trust Bank)

Access Bank

UBA

Zenith Bank

Fidelity Bank

Stanbic IBTC

First Bank of Nigeria

Union Bank

Wema Bank

Sterling Bank

Keystone Bank

Polaris Bank

Ecobank Nigeria

Citibank Nigeria

Standard Chartered Nigeria

ALAT by Wema

ASO Savings and Loans

Bowen Microfinance Bank

CEMCS Microfinance Bank

Ekondo Microfinance Bank

FCMB

Globus Bank

Hasal Microfinance Bank

Heritage Bank

Jaiz Bank

Kuda Bank

One Finance

Page Financials

Parallex Bank

OPay (Paycom)

Providus Bank

Rubies Microfinance Bank

SunTrust Bank

TAJBank

TCF Microfinance Bank

Titan Trust Bank

Sterling Bank

First Bank of Nigeria

Unity Bank

VFD Bank

GTBank (Guaranty Trust Bank)

Access Bank

UBA

Zenith Bank

Fidelity Bank

Stanbic IBTC

First Bank of Nigeria

Union Bank

Wema Bank

Sterling Bank

Keystone Bank

Polaris Bank

Ecobank Nigeria

Citibank Nigeria

Standard Chartered Nigeria

ALAT by Wema

ASO Savings and Loans

Bowen Microfinance Bank

CEMCS Microfinance Bank

Ekondo Microfinance Bank

FCMB

Globus Bank

Hasal Microfinance Bank

Heritage Bank

Jaiz Bank

Kuda Bank

One Finance

Page Financials

Parallex Bank

OPay (Paycom)

Providus Bank

Rubies Microfinance Bank

SunTrust Bank

TAJBank

TCF Microfinance Bank

Titan Trust Bank

Sterling Bank

First Bank of Nigeria

Unity Bank

VFD Bank

GTBank (Guaranty Trust Bank)

Access Bank

UBA

Zenith Bank

Fidelity Bank

Stanbic IBTC

First Bank of Nigeria

Union Bank

Wema Bank

Sterling Bank

Keystone Bank

Polaris Bank

Ecobank Nigeria

Citibank Nigeria

Standard Chartered Nigeria

ALAT by Wema

ASO Savings and Loans

Bowen Microfinance Bank

CEMCS Microfinance Bank

Ekondo Microfinance Bank

FCMB

Globus Bank

Hasal Microfinance Bank

Heritage Bank

Jaiz Bank

Kuda Bank

One Finance

Page Financials

Parallex Bank

OPay (Paycom)

Providus Bank

Rubies Microfinance Bank

SunTrust Bank

TAJBank

TCF Microfinance Bank

Titan Trust Bank

Sterling Bank

First Bank of Nigeria

Unity Bank

VFD Bank

GTBank (Guaranty Trust Bank)

Access Bank

UBA

Zenith Bank

Fidelity Bank

Stanbic IBTC

First Bank of Nigeria

Union Bank

Wema Bank

Sterling Bank

Keystone Bank

Polaris Bank

Ecobank Nigeria

Citibank Nigeria

Standard Chartered Nigeria

ALAT by Wema

ASO Savings and Loans

Bowen Microfinance Bank

CEMCS Microfinance Bank

Ekondo Microfinance Bank

FCMB

Globus Bank

Hasal Microfinance Bank

Heritage Bank

Jaiz Bank

Kuda Bank

One Finance

Page Financials

Parallex Bank

OPay (Paycom)

Providus Bank

Rubies Microfinance Bank

SunTrust Bank

TAJBank

TCF Microfinance Bank

Titan Trust Bank

Sterling Bank

First Bank of Nigeria

Unity Bank

VFD Bank

GTBank (Guaranty Trust Bank)

Access Bank

UBA

Zenith Bank

Fidelity Bank

Stanbic IBTC

First Bank of Nigeria

Union Bank

Wema Bank

Sterling Bank

Keystone Bank

Polaris Bank

Ecobank Nigeria

Citibank Nigeria

Standard Chartered Nigeria

ALAT by Wema

ASO Savings and Loans

Bowen Microfinance Bank

CEMCS Microfinance Bank

Ekondo Microfinance Bank

FCMB

Globus Bank

Hasal Microfinance Bank

Heritage Bank

Jaiz Bank

Kuda Bank

One Finance

Page Financials

Parallex Bank

OPay (Paycom)

Providus Bank

Rubies Microfinance Bank

SunTrust Bank

TAJBank

TCF Microfinance Bank

Titan Trust Bank

Sterling Bank

First Bank of Nigeria

Unity Bank

VFD Bank

GTBank (Guaranty Trust Bank)

Access Bank

UBA

Zenith Bank

Fidelity Bank

Stanbic IBTC

First Bank of Nigeria

Union Bank

Wema Bank

Sterling Bank

Keystone Bank

Polaris Bank

Ecobank Nigeria

Citibank Nigeria

Standard Chartered Nigeria

ALAT by Wema

ASO Savings and Loans

Bowen Microfinance Bank

CEMCS Microfinance Bank

Ekondo Microfinance Bank

FCMB

Globus Bank

Hasal Microfinance Bank

Heritage Bank

Jaiz Bank

Kuda Bank

One Finance

Page Financials

Parallex Bank

OPay (Paycom)

Providus Bank

Rubies Microfinance Bank

SunTrust Bank

TAJBank

TCF Microfinance Bank

Titan Trust Bank

Sterling Bank

First Bank of Nigeria

Unity Bank

VFD Bank

Built to Protect Your Money. Designed to Give You Control. Zero Friction.

Your data is secured always, ensuring your personal and financial information stays private and protected.

Every transaction requires your approval with a secure PIN.

Lost your phone? Instantly block your account to keep your money safe.

Add an extra later of security with Face ID or your Fingerprint.

We built Penny for you!

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Your Questions.
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A New Way To Control Your Money.

Experience a simpler way to make payments and control your money.