Move money. Pay bills. Stay in control.

Kayi App gives you simple, reliable ways to send money, pay bills, and manage your account across app, card, and USSD.

Everyday Money

Send, spend, and manage money.

Open your account once and access transfers, payments, and everyday spending -- all in one place, without switching between channels.

  • Fast transfers to all Nigerian banks
  • Debit card for ATM, POS, and online payments
  • Real-time transaction visibility
  • Simple onboarding with secure verification
Kayi personal banking app for sending, spending, and managing money
Kayi bill payments and transfer experience
Payments

Pay people, bills, and services -- all from one place.

Handle transfers, airtime, and utility payments through one simple flow. No confusion, no multiple apps.

  • Send money instantly to any bank
  • Buy airtime and data in seconds
  • Pay electricity, TV, and other bills
  • Track recurring payments easily
Access Anywhere

Use Kayi your way -- app, card, or USSD.

Whether you're online or offline, Kayi keeps your money accessible.

  • Debit card for everyday spending
  • USSD for low-data or offline access
  • App for full control and visibility
  • Check balance and history anytime
Kayi access across app, card, and USSD channels
Kayi security and trust features for personal banking
Security & Trust

Built for safety, backed by regulation.

Your money and transactions are protected with secure systems and regulatory oversight.

  • Licensed by Central Bank of Nigeria (CBN)
  • Deposits insured by NDIC
  • OTP and PIN protection on transactions
  • Fraud monitoring and support channels