Aku
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.
Is Aku right for you?
Best for
- Nigerian individuals
- Creatives
- Everyday money transfers
- Card spenders
- People tracking expenses
What it does well
- Send and receive money
- Link bank accounts
- Debit card payments
- Transaction tracking
- Loyalty and rewards
Things to check
- Physical card delivery
- Agent network locations
- POS payment acceptance
- Rewards rules
- Pricing fit
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.
As of Jun 22, 2026, Aku is rated 3.8 on the App Store from 20 reviews and 4.3 on Google Play from 449 reviews with 50K+ installs.
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