₦19,010,263,376 moved on Milo
Send money, pay bills and track spending inside WhatsApp. Type it, say it, or snap a photo of it.
Try Milo NowFree to start · No app to download
Works with your bank · 50+ partner banks
Tell Milo what you want to sell, and an invoice is generated and sent to your customer instantly on WhatsApp
Try Milo NowPhotograph a receipt, a POS slip or an account number written on paper, and Milo reads it and pays it.
Try Milo NowSend Milo voice notes in your natural language and get quick financial actions completed inside chat.
Try Milo NowAsk where your money went last month and get a straight answer, broken down by category, in the same chat.
Try Milo NowAirtime, data, electricity and TV, snap the meter or just say the word, and Milo settles it.
Try Milo NowEnglish, Pidgin, Yoruba, Hausa or Igbo, say it however it comes out and Milo keeps up.
Try Milo NowReverse a transfer, check a receipt or freeze your account without waiting in a queue for a human.
Try Milo NowAt the market, on the road, at home. Say what you need, and it's done.
@usemilo_ai pls keep doing what you're doing. It's awesome. I was onboarded a few minutes ago & carried out a transaction. But the speed isn't really what made me marvel; it was how naturally I could talk with Milo. I wasn't forced to follow a prompt. A very pleasant surprise.
I was yesterday years old when I found out you can make payment by snapping a picture of an account number. @usemilo_ai cooked with this WhatsApp online banking platform.
Where has Milo (@usemilo_ai) been all my life? I've never spent money this fast 😄 I'll make it a side quest to build at least a small community on Milo. Very great product, Chiefs. Have a forest, because flowers wouldn't do.
I become intoxicated each time I use milo, features that commercial bank don't even have,with milo transactions is unlimited
As a student using @usemilo_ai, it makes my life easier because I directly send via WhatsApp. And it's fast
Your money is protected at every step, from the passcode you set to the bank grade systems running quietly behind it.
Every transaction is protected with your PIN. You are fully in control.
Your BVN is checked once with our licensed bank partner and never stored. Your PIN is never typed in a chat.
Hide your Milo conversations in a locked folder, accessible only with your phone's password or biometrics.
If your device is stolen or compromised, don't worry you can freeze your Milo account right from any WhatsApp device. We'll pause all payment activity and guide you through recovery.
Most banking apps only accept text. Milo accepts however you communicate.
This takes you to Milo's chat on WhatsApp
Message Milo and tap the onboarding link it sends
Fill in your details and create a secure 4-digit PIN
Send money, pay bills, track spending all in WhatsApp
Join over
45,000 Nigerians
Your money is held by a CBN licensed bank partner
Everything you need to know about the program, eligibility, and how it works.
Milo is an AI-powered financial assistant that lives inside WhatsApp. No app to download, no new interface to learn. You send Milo a message, a picture, or a voice note, and it handles transfers, bill payments, airtime and data top-ups, and spending tracking, all from the same chat you already use to talk to friends and family.
You message Milo on WhatsApp the way you'd message anyone else. It reads text, listens to voice notes and looks at photos, works out what you're asking for, and sends back a transaction to confirm with your PIN.
Every payment needs your PIN, your chat rides on WhatsApp's end-to-end encryption, and you can lock the Milo conversation behind your phone's password or biometrics. Milo is certified by the Nigeria Data Protection Commission.
Tap “Try Milo Now”, send “Hi Milo”, follow the onboarding link, verify your details and set a 4-digit PIN. It takes under two minutes.
Receive money into your own account number, send to any Nigerian bank, buy airtime and data, pay electricity and TV bills, fund your betting wallet, see your full transaction history, get a PDF bank statement, and ask where your money went last month. Type it, say it in any Nigerian language, or send a photo.
Freeze your Milo account from any WhatsApp device. All payment activity pauses immediately and we walk you through recovery.
Ask in the chat. Most issues, a reversal, a receipt, a failed transfer, are handled by Milo itself, and anything it can't settle is passed to a human in the same thread.
Join 45,000+ Nigerians who've made WhatsApp their bank.
No download. No forms. Just say hi.
