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Payments, banking, and credit tools for African businesses
A Nigerian mobile banking app for individuals and creatives to send and receive money, link bank accounts, pay with a debit card, and track transactions.
Aku Product Overview
Is Aku Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian individuals
- Creatives getting paid
What It Does Well
- Send and receive money
- Linked bank accounts
Things to Check
- Debit card availability
- Physical card delivery
About Aku
Aku is a Nigerian mobile banking and digital payments platform for individuals, including creatives and small business owners, who want to save, spend, and manage money from a smartphone.
Key capabilities include:
- Instant transfers with AkuPay for sending and receiving money, plus in-app payment tracking to monitor transactions and manage day-to-day finances
- Aku Pay Card for everyday payments, including POS transactions
- Account linking to connect other bank accounts and manage multiple funding sources in one place
- Rewards for transactions and deposits made through the platform
Available on Web (customer portal), Android, and iOS.
It targets consumers across Africa who need accessible digital banking, with an emphasis on creatives, small business owners, and people who may be unbanked or underbanked.
Aku is notable in the Nigerian fintech market for its focus on simple mobile banking with zero annual or monthly maintenance fees, plus end-to-end encryption and stated data privacy safeguards. The business operates in Nigeria and is licensed by the Central Bank of Nigeria.
Aku Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
Pricing & Fees
NGN 15 per transferNo minimum balance, monthly fees, or overdraft fees; ₦15 is charged for every transfer from an Aku account.
As of Oct 5, 2026, Aku is rated 3.8 on the App Store from 20 reviews and 4.3 on Google Play from 453 reviews with 50K+ installs.
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Aku Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataAku has raised $180K across 1 recorded funding event. The latest was Seed in Jun 2022.
- Total Raised:
- $180K
- Latest Round:
- Seed
Aku Investors & Funding Rounds
Seed$180,000Jun 2022
Aku Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source dataSign in to see all 3 team members
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Frequently Asked Questions About Aku
Aku is a mobile banking platform offering secure payments, savings, credit services, and a debit card that turns your phone into a POS device. It works by letting you manage money in one place, link other bank accounts for transactions, send and receive money instantly via AkuPay, track payments on the app, and earn rewards.
Aku (Aku Fintech) operates primarily in Nigeria. The Lagos-based digital banking platform is licensed by the Central Bank of Nigeria (CBN) and is dedicated to accelerating financial inclusion across Africa, with services specifically tailored for Nigerian customers.
Yes, Aku is available on iOS and Android. You can download Aku on the App Store for iPhone, or get it on Google Play for Android.
Aku is best suited for individuals seeking simple mobile banking, payments, savings, and credit in Nigeria.
Yes. Aku's own site identifies Akupay Services Limited as CBN-licensed, while Aku is a trademark of Aku Fintech Services Ltd. The current official CBN PSP register lists Akupay Services Limited under PSSP authorisation; the distinct legal entities are recorded without transferring the licence to an unrelated product.
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