Eyowo

Eyowo is a CBN-regulated digital banking and payments platform in Nigeria for consumers and businesses that want to send, receive, pay, budget, and save money using a phone number.

Key capabilities include:

• Phone number based accounts: users can treat a Nigerian phone number as an account identifier (and can also use a NUBAN account number).
• Transfers and collections: send money to any phone number or bank account, and request payments using an Eyowo request, payment link, phone number, or NUBAN.
• Spend and pay: support for everyday payments, including bill payments and airtime/data purchases.
• Saving and money insights: in-app saving (the site references up to 13% interest) and spending insights that show how and where money is spent.