Digital Wallet
Get your own virtual account number to receive, hold and manage money.
Your Money. Your Business.One Konto.One Konto.
Send money, pay bills, buy airtime and manage your finances in one simple app. Whether you're an individual, trader or business owner, Konto makes everyday money management easier.
Everything Your Money Needs
Essential financial services, all in one place.
Bills & Airtime
Pay electricity and cable TV bills, and buy airtime and data in a few taps.
Instant Transfers
Send money to other Konto users or any Nigerian bank, with instant receipts.
Transaction History
Track your spending, search past transactions and download account statements.
Business Payments
Manage business payments with payment links, receipts and sales records.
Secure Transactions
Protect your account with transaction PINs, biometric login and real-time alerts.
Finance That Moves With You
Konto is built to make financial services more accessible to Nigerians. From everyday transfers to business payments, we bring the essentials together in one app that grows with your needs.
Why Choose Konto?
A Smarter Way to Handle Money
Start for Free
Open your Konto wallet without a subscription fee.
Get Going in Minutes
Sign up with your phone number and complete additional verification as needed.
One App, Multiple Needs
Handle transfers, bills, airtime and your everyday financial tasks in one place.
Built for Individuals and Businesses
Start with a personal wallet and access business tools as your needs evolve.
Stay in Control
View your transaction history, receive alerts and access receipts when you need them.
Security at Every Step
Use transaction PINs, optional biometric login and device-level security features.