---
title: "Aku: Money Transfers, Debit Card and Rewards"
description: "Send and receive money in Nigeria, link bank accounts, track transactions, pay by POS with Aku Pay Card, and earn rewards—zero monthly fees."
canonical_url: "https://liners.com/aku"
markdown_url: "https://liners.com/aku.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/aku/screenshot.webp?v=1773358322478"
published_at: "2026-03-15T17:03:25.814Z"
updated_at: "2026-09-22T07:37:57.200Z"
---

# Aku: Money Transfers, Debit Card and Rewards

Send and receive money in Nigeria, link bank accounts, track transactions, pay by POS with Aku Pay Card, and earn rewards—zero monthly fees.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Aku](/aku)

## Summary

Mobile banking to save, spend, and get paid easily

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://aku.africa/ |
| Tagline | Mobile banking to save, spend, and get paid easily |
| Primary country | Nigeria |
| Platforms | iOS, Android, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Fintech](/categories/fintech): Category
- [Agent Network](/tags/agent-network): Product feature or technology
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Expense Tracking](/tags/expense-tracking): Product feature or technology
- [Loyalty & Rewards](/tags/loyalty-rewards): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/aku/alternatives)
- [Reviews](/aku/reviews)
- [Transparency](/aku/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/aku)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)