Personal
- Send money to family anywhere in Nigeria
- Receive money globally and securely
- Keep FX for travel or online shopping
- Pay electricity, airtime, and data bills
- Convert currencies at competitive rates.
- Make payments via QR scan
Send money across Nigeria and the world. Fast, fair, and fully digital.
Manage separate NGN and FX wallets from a single user profile
Before KOTSU
- Managing local and international payment across multiple platforms
- High bank margins and predatory fees on NGN/FX conversion
- Reliance on informal, unregulated channels for FX
- Multiple apps needed to manage local and international payment
- Operational inefficiency for business owners
With KOTSU
- One app – manages both NGN and FX wallets
- Instant transfers – to any Nigerian bank
- Free peer-to-peer – send to other KOTSU users at zero cost
- Fair FX rates – published, transparent, no hidden commissions
- No app juggling – all financial needs in one place
Everything you need to move money
Instant local sends
Pay to any Nigerian bank account in seconds. KOTSU-to-KOTSU is free.
Competitive Exchange Rates
Access real-time exchange rates for fast, secure, and seamless international transfers.
Regulated & secure
Your funds are protected by multi-level encryption and full regulatory compliance.
International transfer
Send money across borders quickly and securely with competitive rates and transparent fees.
Get started in minutes
- 1
Create account
Sign up with phone, email, or Google in under 2 minutes.
- 2
Complete profile
Enter details + 6-digit PIN - Verify identity - Done in 2 mins
- 3
Send or convert
Fund your wallet and move money instantly.
Who can use Kotsu
Business
- Real-time transaction tracking
- Pay suppliers and clients locally and internationally
- Manage dedicated NGN and FX wallets from a single business account
- Accept instant customer payments via QR code
Rates you see are rates you get
Rate01:56$1 = ₦1,369.1
Global Payments Made Simple Pay and receive money across borders
Seamlessly manage local and international transactions.
Total Available Balance0123456789
₦4,250,000.00
Check balance in other currency
24/7 transaction history
Every transaction is accurately logged and tracked
InternetUtility • 2:45 PM- ₦4,400.00Completed
Sarah OjehExpense • 2:38 PM- ₦80,000.00sent
Transfer from Ada OlaIncome • 2:30 PM+ ₦120,000.00Received
USD → NGN28 Apr, 2024₦12,500.00Completed
Trusted by individuals and businesses for local and global payments. Terms apply.
Ready to move money the way it should work?
Join thousands of users who have switched to KOTSU.
