Owoche – Send Money, Pay Bills

Money has moments.

A birthday remembered. A parent saying, "I'm here." A friend helping when times are tough. A family sleeping peacefully because their money is protected.

That's the Owoche way.

Owoche isn't trying to win by being cheaper or faster. It's trying to win by being more human.

Built around people first and payments second, Owoche helps you send money, pay bills, buy airtime & data, scan to pay, celebrate life's moments, protect what matters, earn rewards and manage your everyday money.

SEND MONEY LIKE IT'S NOTHING

Send money using a 10-digit Pay Code or directly to any Nigerian bank including GTBank, Access Bank, First Bank, UBA, Zenith, OPay, PalmPay, Moniepoint, Kuda and more. Enjoy free Owoche-to-Owoche transfers, fast bank transfers, virtual accounts and secure transaction history. Because behind every transfer is a person.

EVERY BILL IN NIGERIA

Buy airtime and data (MTN, Airtel, Glo & 9mobile), pay electricity (IKEDC, EKEDC, AEDC & more), DStv, GOtv, StarTimes, internet and betting bills while earning cashback and rewards.

OWOCHE PAY

Scan. Tap. Done. Accept QR payments, pay merchants or friends quickly and securely.

PANIC PIN — PROTECT WHAT MATTERS

Our intelligent emergency protection mode opens a decoy wallet with a spending limit you choose, silently alerts your emergency contact and flags our compliance team. They see only what you choose to show. You keep what matters protected.

SMARTAZA — MONEY THAT FEELS LIKE A GIFT

Some moments deserve more than a bank transfer. Birthdays. Weddings. Graduations. Thank you. I'm sorry. SmartAza lets you wrap money inside beautiful digital gifts using secure codes, QR codes or OTP verification. Because how money arrives matters too.

PLAY. EARN. SMILE.

Daily streaks, scratch cards, quizzes, Spin & Win and five reward tiers. Redeem points for airtime, data, TV subscriptions and more. Loyalty should actually reward you.

BORROW ME

Need just a little more to complete a payment? Borrow Me covers life's small shortfalls so important moments don't have to wait. Repay when you fund your wallet and grow your limit over time.

OWOCHE FLEX

A fun privacy feature that lets you temporarily display a cosmetic wallet balance while your real balance stays secure and untouched.

BANKING SHOULD SOUND LIKE HOME

Use Owoche in English, Hausa, Yorùbá, Igbo and Nigerian Pidgin. Because everyone deserves to manage money in the language they think and speak.

SECURITY YOU CAN ACTUALLY FEEL

Built with SSL pinning, Cloudflare protection, bcrypt PIN hashing, device fingerprinting, OTP verification, tiered KYC and NDPR-compliant data handling. Trust isn't something we ask for. It's something we earn.

WHY PEOPLE CHOOSE OWOCHE

✔ Send money instantly
✔ Pay bills in seconds
✔ Buy airtime & data
✔ QR payments
✔ Earn cashback & rewards
✔ SmartAza digital gifting
✔ Panic PIN emergency protection
✔ Borrow Me shortfall support
✔ Multiple Nigerian languages
✔ Fast, secure and beautifully simple

Protect what matters. Celebrate every moment. Built for home.

That's the Owoche way.

Free to download. Free to receive money. Free Owoche-to-Owoche transfers.

A product of TransIngenium Innovations Limited
Made in Nigeria. Built for Nigerians.

📧 support@owoche.online
💬 +234 907 709 6560

Recent changes:
Meet the money app that remembers you

Owoche Moments — save birthdays, anniversaries & milestones; get a warm message and send a gift in one tap.
Recurring Gifts — set once, delivered on your schedule, even to people not on Owoche.
SmartAza for Business — co-branded gifts to staff & customers: bulk, campaigns & team perks.
Simpler step-by-step flows, a birthday bonus, seasonal splash & lots of fixes.

Thanks for moving your moments with us!