Available in early access
What’s my balance?
Zuka
A clear answer₦184,250.00Available balance
Updated just now
Early access · Nigeria
Your money.Handled clearly.
Zuka is your money assistant on WhatsApp. Ask what you need, review the important details, and approve when you’re ready.
Start with a message
Just tell Zuka
what you need.
Start with a message. Zuka understands what you’re trying to do, brings together the details that matter, and helps you take the next step.
In product development
Send ₦25,000 to Ada
Zuka
Check the transfer detailsAda M.GTBank · •••• 4821
Amount ₦25,000 · Fee ₦25 · Total ₦25,025
Review before approvalConfirm transfer
Exploring
Ask everyone for their share of dinner
Zuka
Collect with contextDinner · 4 people₦12,000 each
Zuka prepares the request before anything is sent.
Prepared, not sentReview requests
Early-access capabilities can vary. These examples show the Zuka interaction model: start naturally, make the important details clear, and keep consequential actions deliberate.
Know · Move · Plan · Together
Money has more than one kind of job.
Zuka helps you understand what’s happening, move money when you need to, stay ahead of what comes next, and handle money with the people around you.
01 · Know
Know where you stand.
Ask about your money and get a clear answer — from your balance and account details to activity, receipts and what changed.
- Balance
- Account details
- Activity
- Receipts
02 · Move
Receive, send and pay deliberately.
Receive money, prepare a transfer or make a payment with the important details clear before anything consequential happens.
- Receive money
- Send money
- Pay
- Request money
03 · Plan
Stay ahead of what comes next.
Set something aside, schedule a payment, remember what is due or keep a recurring money task from becoming a last-minute problem.
- Savings goals
- Schedules
- Reminders
- Recurring payments
04 · Together
Handle money with people you trust.
Remember the people you pay, add context to money you send, collect what you’re owed, and start a Zuka Group when the money is for something you’re doing together.
- My People
- Split & collect
- Payment notes
- Zuka Groups
Zuka is opening gradually. Individual capabilities can become available at different times during early access.
A request is not approval
You stay in control.
Simple questions can stay simple. When an action can materially change your money, Zuka shows what matters, waits for the right approval, and tells you what happened next.
- 01
Ask
Say what you need.
Start naturally. Zuka can use the context it already has and ask another question when something important is unclear.
- 02
Review
See what matters.
Before a consequential action, Zuka shows the important details — who, where, how much, fees and anything else that could change your decision.
- 03
Approve
Make the decision yourself.
When authorization is required, Zuka waits for a clear confirmation. Understanding your request is not approval by itself.
- 04
Track
Know what happened.
Zuka tells you when an action is completed, processing, failed or still unclear — and gives you the safest next step when something needs attention.
ReviewBefore approval
Ada M.GTBank · •••• 4821
- Amount
- ₦25,000
- Fee
- ₦25
- Total
- ₦25,025
You make the decisionConfirm transfer
Status not confirmed yet
We’re still checking this transfer.Do not send it again yet.Zuka for Business · In development
Know what came in.Know what still needs attention.
Zuka is also being built for businesses that get paid, pay others and need to keep track of what happens in between.
Safety
The right details,
in the right place.
Chat naturally for everyday money. When something needs extra care, Zuka gives you a clear, purpose-built step instead of treating it like an ordinary message.
You
I want to open my account.
Account setupPurpose-built step
Identity detailsEnter securely
VerificationComplete check
Details received
Zuka
Thanks. I’ll let you know what happens next.
Not everything belongs in a message.
When information needs a structured or protected interaction, Zuka changes the interaction instead of treating it like ordinary free-form chat.
Extra checks when they matter.
Identity, recovery or higher-risk account changes can require stronger verification before Zuka continues.
Your PIN is yours.
Never send your PIN or verification code as an ordinary chat message or give it to someone claiming to be Zuka support.
Know when it’s really Zuka.
Use Zuka’s official product and support destinations. Exact identity guidance will always reflect the production service.
The protected step shown here describes Zuka’s intended safety behaviour, not a promise about one specific interface. The exact experience follows the approved production journey.