Personal
- Send money to family anywhere in Nigeria
- Receive money globally and securely
- Keep USD for travel or online shopping
- Pay electricity, airtime, and data bills
- Convert currencies at competitive rates.
- Make payments via QR scan
Send money across Nigeria and the world. Fast, fair, and fully digital.
From instant local transfers to secure currency exchange KOTSU gives you one wallet for NGN and USD, with transparent fees and no hidden costs.
Before KOTSU
- Slow, unpredictable domestic transfers
- High bank margins and predatory fees on NGN/USD conversion
- Reliance on informal, unregulated channels for FX
- Multiple apps needed to manage local and international payment
- Operational inefficiency for business owners
With KOTSU
- One app - manages both NGN and USD wallets
- Instant transfers - to any Nigerian bank
- Free peer-to-peer - send to other KOTSU users at zero cost
- Fair FX rates - published, transparent, no hidden commissions
- No app juggling - all financial needs in one place
Everything you need to move money
Instant local sends
Pay to any Nigerian bank account in seconds. KOTSU-to-KOTSU is free.
Fair FX conversion
Real-time market rates with zero commissions. What you see is what you get.
Regulated & secure
Your funds are protected by multi-level encryption and full regulatory compliance.
International transfer
Send money across borders quickly and securely with competitive rates and transparent fees.
Get started in minutes
- 1
Create account
Sign up with phone, email, or Google in under 2 minutes.
- 2
Complete profile
Enter details + 6-digit PIN - Verify identity - Done in 2 mins
- 3
Send or convert
Fund your wallet and move money instantly.
Who can use Kotsu
Business
- Real-time transaction tracking
- Pay suppliers and clients both locally and internationally seamlessly
- Hold both NGN and USD in one wallet
- Accept instant customer payments via QR scan
Rates you see are rates you get
No markups after the fact
Rate01:56$1 = ₦1,369.1
Your funds are kept in licensed partner banks
Not used for lending.
Total Available Balance0123456789
₦4,250,000.00
Check balance in other currency
24/7 transaction history
Every send, conversion, and bill payment is logged.
InternetUtility • 2:45 PM- ₦4,400.00Completed
Sarah OjehExpense • 2:38 PM- ₦80,000.00sent
Transfer from Ada OlaIncome • 2:30 PM+ ₦120,000.00Received
USD → NGN28 Apr, 2024₦12,500.00Completed
KOTSU is a technology platform; our licensed partners provide payment services. Terms apply.
Ready to move money the way it should work?
Join thousands of users who have switched to KOTSU.
