Send money, pay every bill and top up in seconds — all in one beautifully simple app. And when you can't open it, just text Zitch on WhatsApp.
Link your number once, then bank by text. Zitch understands plain language — "send 5k to my brother John" just works — while your PIN still guards every kobo.
Transfer to any Nigerian bank with name-check, confirm and PIN — all inside WhatsApp.
Top up any network, buy data bundles, pay electricity and cable. Prepaid tokens arrive in the receipt.
Check every wallet or convert NGN to USD, GBP and CAD with a 60-second locked quote — by text.
Transfers, top-ups, bills, cards and savings — fast, reliable, and at the best prices.
Free Zitch-to-Zitch, instant to every Nigerian bank.
MTN, Airtel, Glo and 9mobile — with up to 3% back.
All discos, prepaid & postpaid. Tokens in seconds.
DStv, GOtv and StarTimes renewals without queues.
Spend your USD wallet anywhere online.
Lock funds and earn up to 18% per annum.
Quick credit, clear terms, repay in-app.
WAEC/JAMB pins and instant betting wallet top-ups.
Hold dollars, pounds and Canadian dollars beside your naira, and convert at honest, time-boxed rates — in the app or by chat.
AI can draft a transfer, but only your PIN can move money. One wrong PIN cancels the whole flow.
BVN, NIN and face verification keep your account yours — and keep fraudsters out.
An append-only ledger records every movement and every admin action. Nothing happens off the record.
Everything you need to know about banking with Zitch. Still stuck? Email support@zitch.ng.
Zitch operates in partnership with CBN-licensed financial institutions, and customer funds are held with regulated partners. Every transaction is protected by your secret PIN, bank-grade BVN/NIN and face verification, and an append-only audit trail records every movement.
Download the Zitch app from the App Store or Google Play, sign up with your phone number, verify the OTP, set a password and a 4-digit PIN, and you're ready. Opening an account is free and takes a few minutes.
Send money to any Nigerian bank, buy airtime and data on all networks, pay electricity and cable bills, buy exam pins, fund betting wallets, get a virtual dollar card, save at up to 18% per annum, and hold and convert NGN, USD, GBP, CAD and CNY.
Link your phone number once, then bank by chatting with Zitch on WhatsApp in plain language — for example, “send 5k to my brother John.” Zitch can draft the transaction, but no money ever moves until you approve it with your fingerprint, Face ID or PIN.
Zitch-to-Zitch transfers are instant and free, transfers to other Nigerian banks arrive in seconds, and airtime, data and electricity tokens are usually delivered within a few seconds.
Zitch-to-Zitch transfers are free, and transfers to other banks carry a small, transparent fee that is shown before you confirm. You also earn up to 3% back on airtime and data, with no hidden charges.
You can reach the Zitch team on WhatsApp, by email at support@zitch.ng, or by phone at 08166938327, 8am to 8pm daily. You can also follow @zitchng on Instagram and Facebook for updates.
Open a free account in minutes, link your WhatsApp, and your money goes wherever your conversations go.