Your Financial
Assistant in Every ChatYour Financial Assistant
in Every Chat
Secured with WhatsApp’s Built in Privacy Protection.
Most banking apps only accept text. Xara accepts however you communicate.
Passcode for every payment
Every transaction is protected with your PIN. You are fully in control.
NDPC – Certified
Xara is certified by the Nigeria Data Protection Commission (NDPC), ensuring your data is safe and secure.
Lock Xara Chat
Hide your Xara conversations in a locked folder, accessible only with your phone's password or biometrics.
Up and running in under
Two minutes.
Most banking apps only accept text. Xara accepts however you communicate.
Click “Try Xara Now”Click “TryXara Now”
This takes you to Xara's chat on WhatsApp
Send “Hi Xara”Send “HiXara”
Message Xara and tap the onboarding link it sends
Verify & set PINVerify &set PIN
Fill in your details and create a secure 4-digit PIN
Start bankingStartbanking
Send money, pay bills, track spending all in WhatsApp
Real people.
Real results
Over Millions People are Using Xara
Frequently asked Questions
Everything you need to know about the program, eligibility, and how it works.
Xara is an AI-powered financial assistant that lives inside WhatsApp. No app to download, no new interface to learn. You send Xara 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.
Xara understands text, pictures, and voice notes, including Nigerian Pidgin. Snap a photo of a bank account number, and Xara reads it and sets up the transfer. Send a voice note requesting payment of a bill, and Xara processes it. It's built on a large language model, the same category of AI behind tools like ChatGPT, but trained specifically for how Nigerians actually talk and transact.
Yes. Xara runs on licensed financial infrastructure and bank-grade encryption, with a personal transaction PIN required for payments. It's certified by the Nigeria Data Protection Commission (NDPC) for data protection standards, and you can lock your Xara chat behind your phone's fingerprint or password for an extra layer of privacy.
Send “Hi Xara” to our WhatsApp number, or tap “Try Xara Now” on usexara.ai. You’ll go through a short onboarding process to verify your details and set your PIN, and then you’ll be transacting.
Send money to any bank account, or Xara-to-Xara using just a phone number Pay bills, buy airtime and data Send money using a voice note or a photo of an account number Schedule payments and set transaction reminders Track your daily and weekly spending Fund your Xara wallet Send and receive mobile money and transactions across supported African countries
Freeze your Xara account instantly from any WhatsApp device to pause all activity, then go through a secure identity-verified recovery process to get back in. For extra protection, lock your phone with Face ID or a passcode, and lock your Xara chat separately.
Message Xara directly on the same WhatsApp chat you use for transactions. Just type your issue, transfer failure, security concern, unsupported transfer type, or anything else, and Xara handles it instantly or routes you to a human support agent if it can't resolve it on its own.
Lost Your Phone? Secure
Your Xara Instantly
If your device is stolen or compromised, don’t worry you can freeze your Xara account right from any WhatsApp device. We’ll pause all payment activity and guide you through recovery.