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Talk Money.
Move Money.
on WhatsApp

Manage money on WhatsApp. Chat in English, Pidgin, Yoruba, Hausa, or Igbo.

Supported Banks

How It Works

Banking That Understands You

Xeder is a smart financial assistant that works where you already are: on WhatsApp.

Send Money Instantly

Pay Bills with a Message

Track Spending in Real-Time

Chat in Your Language

(English, Pidgin, Yoruba, Hausa, Igbo)

We wanted a banking experience that feels human, fast, and stress-free– one that actually speaks your language.”

— Founder, Xeder AI

Seamless Transfers

Effortlessly send money to anyone, anywhere, anytime. It's as fast and easy as sending a message.

Multilingual Chat Support

Speak naturally in your preferred language without changing how you talk. Xeder is designed to understand your intent, so it just gets it.

Real-Time Spending Insights

Know where your money goes, instantly. Every transaction is categorized in real-time, giving you a clear, visual picture of your spending habits.

Smart Bill Payments

From airtime top-ups to utility bills and subscriptions, manage and pay them all in one place. Xeder remembers all the details for you.

Secure & Private

Your financial safety is our priority. All transactions and chats are protected by end-to-end encryption, so your personal and financial details are only ever seen by you.

Seamless Transfers

Effortlessly send money to anyone, anywhere, anytime. It's as fast and easy as sending a message.

Smart Bill Payments

From airtime top-ups to utility bills and subscriptions, manage and pay them all in one place. Xeder remembers all the details for you.

Multilingual Chat Support

Speak naturally in your preferred language without changing how you talk. Xeder is designed to understand your intent, so it just gets it.

Real-Time Spending Insights

Know where your money goes, instantly. Every transaction is categorized in real-time, giving you a clear, visual picture of your spending habits.

Secure & Private

Your financial safety is our priority. All transactions and chats are protected by end-to-end encryption, so your personal and financial details are only ever seen by you.

Stop the hassle of complex banking. Start moving money using the simple language you speak every day.

Easy to use • Process

4 Simple Steps to Start Banking with Xeder

Sign Up with Your Phone Number

Start a chat with Xeder on WhatsApp and register instantly.

Link Your Bank or Wallet

Connect your bank account or fund your Xeder wallet securely.

Send, Pay or Save. All in one chat

Use simple commands to transfer, pay bills, or save automatically.

Send, Pay or Save. All in one chat

Use simple commands to transfer, pay bills, or save automatically.

Built for People Who Moves Fast

Managing school fees and pocket money

Paying suppliers or sending cash to family

Tracking payments and invoices

Pay Your Local Vendor Instantly

What They Say About Xeder

Testimonials

People
are talking.

Frequently Asked Questions

No. Everything is done directly through WhatsApp.

You can top up via bank transfer or through a partner wallet once your account is created.

No. All fees are shown upfront before you confirm any transaction.

Absolutely. We use bank-grade encryption, secure services and strict compliance protocols.

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