Available in: 🇬🇧 United Kingdom 🇳🇬 Nigeria · More markets coming soon
Live in UK 🇬🇧 & Nigeria 🇳🇬

Your money, managed by AI on WhatsApp

Send money, check balances, and track spending through a natural conversation — in English or Pidgin. No new app. No wahala. Just chat.

Start on WhatsApp Try on Telegram See how it works ↓
50+
UK banks
20+
Nigerian banks
<3s
Transfer time
2
Countries live
💸
₦50,000 sent
Via GTBank
💷
£500 sent
Instantly
🔒
Verified
PIN secured
Z
Zeno AI
● Online now
Hey! 👋 Wetin you wan do today?
Send 5000 to Chidi, GTBank
On it! Confirming transfer to Chidi.
Transfer
₦5,000
→ Chidi · GTBank
✓ Sent successfully
Our Markets

Built for two great nations

Same powerful AI. Different currencies, banks and local features.

🇬🇧
🇬🇧
United Kingdom
Full Open Banking integration with 50+ UK banks. Send money via Faster Payments, check real balances and track spending in pounds.
TrueLayer Open Banking
UK Faster Payments
Barclays, HSBC, Monzo, Starling & more
GBP (£) transactions
FCA-compliant KYC
Start in UK →
🇳🇬
🇳🇬
Nigeria
Powered by Mono Open Banking and Flutterwave payments. Send naira to any Nigerian bank, check your balance and track spending — in English or Pidgin.
Mono Open Banking
Flutterwave bank transfers
GTBank, Access, Zenith, UBA & more
NGN (₦) transactions
English & Pidgin supported
Start in Nigeria →
How it works

Banking in 4 simple steps

01
💬
Open WhatsApp or Telegram
No app to download. Message Zeno on any platform you already use.
02
📝
Register in 2 mins
Tell Zeno your name, email, and set a PIN. Quick identity check to keep you safe.
03
🏦
Connect your bank
UK users connect via Open Banking. Nigerian users connect via Mono. Read-only and secure.
04
🚀
Start banking
Send money, check balances, track spending — just by typing naturally.
Features

Everything you need, nothing you don't

💸
Instant Transfers
UK: Send money via Faster Payments in seconds. Nigeria: Transfer naira to any bank via Flutterwave. Just say who and how much — Zeno handles the rest.
📊
Spending Analysis
Know exactly where your money goes with smart breakdowns in your local currency.
Food
75%
Transport
45%
Bills
30%
🧠
Natural Language
Say "send fifty quid to Sarah" or "send 5k to Chidi GTBank" — Zeno understands both!
🇬🇧🇳🇬
Multi-Market
One AI assistant, two countries. £ for UK users, ₦ for Nigerian users — automatically detected.
🤖
24/7 AI Support
No hold music, no call centres. Get instant answers to your banking questions any time — in English or Pidgin. Zeno troubleshoots issues and guides you through anything.
Security

Built with security at every layer

🔐
PIN-Protected Payments
Every transfer requires your personal PIN. You set it, you control it.
🪪
KYC Identity Verified
All users complete identity verification powered by Veriff before accessing full features.
🏦
Open Banking (Read-Only)
We never see your bank login. UK: TrueLayer. Nigeria: Mono. Both FCA/CBN aligned.
❄️
Instant Account Freeze
Lost your phone? Freeze your Zeno account instantly from any device.
🛡️
Bank-Grade Security
Your money and data protected at every step
256-bit SSLKYC VerifiedPIN ProtectedOpen BankingVeriff ID
Use Cases

Where Zeno fits your life

Try it now →
🍕
Split dinner
Split Bills
Divide the bill with friends instantly — in pounds or naira.
👨‍👩‍👧
Send to family
Family Transfers
Send money to mum, dad or siblings anywhere in Nigeria or the UK.
🏠
Pay rent
Pay Rent
Monthly rent sorted in seconds. Just say the word.
💡
Pay bills
Pay Bills
Electricity, broadband, DSTV, subscriptions — all handled.
Early Users

What people are saying

🇬🇧
★★★★★
"I just type 'send £50 to my flatmate' and it's done. No opening apps, no logging in. Absolute game changer."
James O.
London, UK
🇳🇬
★★★★★
"E dey simple pass I think. I just tell Zeno make e send 10k to my guy and e just do am. No stress, no wahala!"
Emeka A.
Lagos, Nigeria
🇳🇬
★★★★★
"Finally a banking app that speaks my language. Checking my GTBank balance on WhatsApp feels like the future."
Amara N.
Abuja, Nigeria
Start banking smarter today

Join users in the UK and Nigeria managing their money through simple WhatsApp and Telegram conversations. Takes less than 3 minutes to get started.

Open WhatsApp Open Telegram