One chat for everything money.

Send money, pay bills and track spending inside WhatsApp. Type it, say it, or snap a photo of it.

Try Milo Now

Free to start · No app to download · Your account in under 3 seconds

Text Milo on WhatsApp Scan the code with your phone, or open this link to start the chat.
Text Milo on WhatsApp Scan the code with your phone, or open this link to start the chat.

Works with your bank · 50+ partner banks

Access Bank, GTBank, Zenith, UBA, First Bank, OPay, Kuda, Moniepoint, PalmPay, FCMB, Fidelity, Stanbic IBTC, Sterling, Union Bank, Wema, Ecobank, Polaris and more.

Currencies
NairaUS dollarUSDTUSDCCediShilling
Countries
NigeriaGhanaKenya

Your Financial Assistant in Every Chat

  • Tell Milo who to pay and how much, the way you would text a friend, and it is done.

    Text Milo Send 50k to Tunde

  • Photograph a receipt, a POS slip or an account number written on paper, and Milo reads it and pays it.

    Send the photo and say Pay the account in this photo

  • Send Milo voice notes in your natural language and get quick financial actions completed inside chat.

    Hold the mic and say Send 5k to Mum

  • Ask where your money went last month and get a straight answer, broken down by category, in the same chat.

    Text Milo How much did I spend this week?

  • Airtime, data, electricity and TV, snap the meter or just say the word, and Milo settles it.

    Text Milo 5k light for meter 45071234567

  • English, Pidgin, Yoruba, Hausa or Igbo, say it however it comes out and Milo keeps up.

    Text Milo Bami shey 2 thousand naira si Praise

  • Reverse a transfer, check a receipt or freeze your account without waiting in a queue for a human.

    Text Milo Freeze my account

  • Netflix, ChatGPT, Spotify, Apple Music, YouTube Premium, Canva, Amazon, AliExpress, school fees abroad and many more. If it takes a card, your Milo card pays for it.

    Text Milo Fund my card with $20

  • Clients and family abroad pay you in dollars. It lands in your Milo balance, ready to spend.

    Text Milo I want to receive money from abroad

  • Receive and hold USDT and other crypto on your own Milo address, and turn it into naira in one message.

    Text Milo Sell 100 USDT

  • Your own account number for your salary and your customers, with an alert the moment money lands.

    Text Milo My account details

  • Rent every month, Mum every Friday. Approve once and it runs by itself.

    Text Milo Send 20k to Mum every Friday

Made for the way Nigeria pays.

At the market, on the road, at home. Say what you need, and it's done.

  • Receive money from abroad.

    Clients and family abroad pay you in dollars. It lands in your Milo balance, ready to spend.

  • Hold USDT and other crypto.

    Receive it on your own Milo address and turn it into naira in one message. No P2P strangers.

  • Pay for Netflix and many more.

    ChatGPT, Spotify, Apple, Amazon, school fees abroad. If it takes a card, your Milo dollar card pays for it.

  • Receive money from abroad.

    Clients and family abroad pay you in dollars. It lands in your Milo balance, ready to spend.

  • Hold USDT and other crypto.

    Receive it on your own Milo address and turn it into naira in one message. No P2P strangers.

  • Pay for Netflix and many more.

    ChatGPT, Spotify, Apple, Amazon, school fees abroad. If it takes a card, your Milo dollar card pays for it.

  • Receive money from abroad.

    Clients and family abroad pay you in dollars. It lands in your Milo balance, ready to spend.

  • Hold USDT and other crypto.

    Receive it on your own Milo address and turn it into naira in one message. No P2P strangers.

  • Pay for Netflix and many more.

    ChatGPT, Spotify, Apple, Amazon, school fees abroad. If it takes a card, your Milo dollar card pays for it.

what people say

Your rent, your light, your Netflix.
  • Rent is due
    “Send 450k to my landlord”

    Milo shows you the name on the account. You approve with your PIN and the receipt is in the chat.

  • NEPA took light
    “5k light for meter 45071234567”

    Your token arrives in the chat. Type it into the meter and the light is back.

  • Netflix is about to renew
    “Fund my card with $10”

    Your dollar card is topped up from your naira and Netflix goes through.

  • Mum needs her Friday money
    “Send 20k to Mum every Friday”

    You approve it once. It goes every Friday without you lifting a finger.

  • A client in London is paying you
    “I want to receive money from abroad”

    Milo gives you your own dollar address. When they pay, the naira lands and you get an alert.

  • Your data just finished
    “2GB data for 08031234567”

    The data is on the line in seconds. Works for your own number or anybody else's.

  • The match starts at 8
    “Renew my DSTV Compact”

    Your decoder is renewed before kick-off.

  • Dinner with the guys
    “Split 30k between John and Emeka”

    One message, one PIN, and both of them are paid.

  • The embassy wants a statement
    “Send my statement for 6 months”

    A stamped PDF statement lands in the chat, ready to upload.

  • You want ChatGPT Plus
    “Fund my card with $20”

    Twenty dollars is on your card and your subscription is active.

  • You sold a design for USDT
    “Sell 100 USDT”

    Send it to your Milo address and the naira is in your balance. No P2P.

  • It is month end
    “How much did I spend this month?”

    Transfers, bills and card spending, added up for you.

Frequently Asked Questions

Milo

QUESTIONS

Milo is a bank account you run by chatting on WhatsApp. You get your own account number, a virtual dollar card, your bills, and a way to get paid from abroad, all in one chat.

Anything that takes Visa online: Netflix, ChatGPT, Spotify, Apple Music, YouTube Premium, Canva, Amazon, AliExpress, Udemy, Coursera and school application fees abroad.

Text “I want to receive money from abroad” and Milo gives you your own dollar address. Your client, your employer or your family sends USDT or USDC to it, and it lands in your Milo balance as naira.

Your account is in your own name at a licensed partner bank. Every payment needs a PIN only you know, and if your phone is lost you can freeze the account from any WhatsApp.

Your BVN, your date of birth and a 4-digit PIN you choose. It takes about a minute, right inside WhatsApp.
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