
Limited Offer
👋
Invite a friend to Xeder, and you both get N500 when they complete their first transaction.
Limited Offer
Invite a friend to Xeder, and you both get N500 when they complete their first transaction.
Manage money on WhatsApp. Chat in English, Pidgin, Yoruba, Hausa, or Igbo.












Xeder is a smart financial assistant that works where you already are: on WhatsApp.
(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
Effortlessly send money to anyone, anywhere, anytime. It's as fast and easy as sending a message.
Speak naturally in your preferred language without changing how you talk. Xeder is designed to understand your intent, so it just gets it.
Know where your money goes, instantly. Every transaction is categorized in real-time, giving you a clear, visual picture of your spending habits.
From airtime top-ups to utility bills and subscriptions, manage and pay them all in one place. Xeder remembers all the details for you.
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.
Effortlessly send money to anyone, anywhere, anytime. It's as fast and easy as sending a message.
From airtime top-ups to utility bills and subscriptions, manage and pay them all in one place. Xeder remembers all the details for you.
Speak naturally in your preferred language without changing how you talk. Xeder is designed to understand your intent, so it just gets it.
Know where your money goes, instantly. Every transaction is categorized in real-time, giving you a clear, visual picture of your spending habits.
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.
Start a chat with Xeder on WhatsApp and register instantly.
Connect your bank account or fund your Xeder wallet securely.
Use simple commands to transfer, pay bills, or save automatically.
Use simple commands to transfer, pay bills, or save automatically.
What They Say About Xeder



I love that I can check my balance and transfer funds in one chat. Xeder feels like having a smart banker on WhatsApp.
Xeder has made sending money to my parents so easy. It’s fast, secure, and I always get confirmation instantly.
I paid my bills right inside WhatsApp for the first time. No app downloads, no stress. Xeder just works.
Security is everything for me. The PIN verification and instant alerts give me peace of mind every time I use Xeder.
I used to forget to top up my subscriptions. Now, I just message Xeder and it’s done in seconds. Simple and smart.
Xeder has made saving money so easy for me. I set a goal once, and it helps me stay consistent every week.
I use Xeder to pay for my electricity and data bundles now. It’s so convenient. No app switching, no stress.
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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