Live in Nigeria 🇳🇬 · No app needed

Your bank.Inside WhatsApp.

Send money to any Nigerian bank, pay bills, buy airtime, and track your spending, all inside a chat.No app · No USSD · No forms

Get Started
Secure Transactions
CBN-licensed rails
Fast and Reliable
DukaChat conversation in WhatsApp
Send money to any Nigerian bank
How it works

Three messages.
You're done.

No app to open. No password to reset. No menu to hunt through. The whole bank experience, inside the chat you're already on.

01
Text what you want
Plain English. No menus. No buttons. Just like texting a friend.
Text commands in WhatsApp chat
02
We confirm the details
Amount and recipient, all shown up front. No surprises.
Confirm transfer details in chat
03
You're all set
Receipt arrives instantly. Share it, save it, ask about it later. It all lives in chat.
You're all set.
₦5,000.00 sent to Bolamigbe · 0521-137
1:51 PM
What You Can Do
01/04
01Send money

Instant Money Transfers

Send funds quickly and securely without leaving WhatsApp

  • Recipient confirmed before sending
  • Your name appears as the sender
  • Saved recipients
02Get paid

Share your account details in seconds.

Receive transfers through your Duka account details, just like a regular bank account, easy to copy, easy to share.

  • Dedicated account details
  • Copy or forward to your contact on WhatsApp
  • Works with bank transfers
03Bills & airtime

Pay bills without leaving the chat.

Top up airtime, pay electricity, settle DSTV, data plans, and other services with ease

  • Airtime & data
  • Electricity · Cable TV
  • Schedule recurring bills
04Spending insights

Smart Spending Insight

Track your transactions and understand your financial habits.

  • Ask Duka about your finances
  • Track your transactions
  • Understand your spending habits
Instant Money Transfers
Share your account details in seconds.
Pay bills without leaving the chat.
Smart Spending Insight
Scroll
DukaChat

Say anything.
We'll figure it out.

No menus. No commands. No “press 1 for balance.” Just type what you need, and Duka takes care of the rest.

“Send 5k to 0521137 Kuda”“What's my balance?”“Buy 2k airtime for 08031234567”“How much did I spend on data last month?”“Show my last 10 transactions”“Send 5k to 0521137 Kuda”“What's my balance?”“Buy 2k airtime for 08031234567”“How much did I spend on data last month?”“Show my last 10 transactions”“Send 5k to 0521137 Kuda”“What's my balance?”“Buy 2k airtime for 08031234567”“How much did I spend on data last month?”“Show my last 10 transactions”
“Send 10k to Mom”“Pay NEPA ₦15k”“Split ₦6k three ways”“Did Bolamigbe's transfer go through?”“What's my spend on food this week?”“Send 10k to Mom”“Pay NEPA ₦15k”“Split ₦6k three ways”“Did Bolamigbe's transfer go through?”“What's my spend on food this week?”“Send 10k to Mom”“Pay NEPA ₦15k”“Split ₦6k three ways”“Did Bolamigbe's transfer go through?”“What's my spend on food this week?”
“Save ₦500 every Friday”“Buy 2gb MTN for 08031234567”“Remind me to send rent on the 1st”“Who did I send money to yesterday?”“Biggest transfer this month?”“Save ₦500 every Friday”“Buy 2gb MTN for 08031234567”“Remind me to send rent on the 1st”“Who did I send money to yesterday?”“Biggest transfer this month?”“Save ₦500 every Friday”“Buy 2gb MTN for 08031234567”“Remind me to send rent on the 1st”“Who did I send money to yesterday?”“Biggest transfer this month?”
Security

Built for trust.
Designed to feel effortless.

Our platform is built on a secure infrastructure designed to maintain confidentiality, integrity, and reliability.

01
Licensed banking partners
Customer deposits are held with licensed banks and insured by NDIC, subject to applicable coverage limits.
02
Biometric + PIN
Transfers are protected with device biometrics and a 4-digit PIN.
03
End-to-end encrypted
Your conversations stay private, protected by WhatsApp’s encryption.
04
Money moves through secure channels
Funds move through licensed rails directly to your bank account.
Questions

The common ones.

DukaChat brings everyday banking into WhatsApp, so sending money, paying bills, and staying on top of your finances feels as simple as sending a message.
Send your
first naira.
Create your account, verify it, and start using Dukabills on WhatsApp in just a few minutes.
Chat with Dukabills
Account safety

Lost your phone? Lock your account.

Locking blocks new transactions immediately. Unlock anytime with a code sent to your email — no need to sign in first.

Lock or unlock your account