---
title: "Penny: Money Transfers in Nigeria"
description: "Send money, pay bills, buy airtime/data and run bulk transfers in WhatsApp in Nigeria. Link bank accounts, create payment links, track spend."
canonical_url: "https://liners.com/penny"
markdown_url: "https://liners.com/penny.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/usepenny/screenshot.webp?v=1782486945795"
published_at: "2026-06-27T01:04:10.565Z"
updated_at: "2026-10-06T03:01:28.169Z"
---

# Penny: Money Transfers in Nigeria

Send money, pay bills, buy airtime/data and run bulk transfers in WhatsApp in Nigeria. Link bank accounts, create payment links, track spend.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Penny](/penny)

## Summary

Manage money, payments, and insights inside WhatsApp

A WhatsApp-based personal finance assistant for Nigerian consumers to send money, pay bills, buy airtime and data, create payment links, and track spending.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.usepenny.co/ |
| Tagline | Manage money, payments, and insights inside WhatsApp |
| Primary country | Nigeria |
| Platforms | Web, Chat Based |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Penny is a WhatsApp-based personal finance and payments assistant for individual consumers who want to send, spend, and manage money directly in WhatsApp.

Key capabilities include:
- **Bank account connections and consolidated balances**, letting users link existing accounts and view available funds across them.
- **Payments and transfers in chat**, including sending money to saved recipients using **nickname-based payments**, creating **payment links** for specific amounts that can be shared anywhere, and running **bulk transfers** to multiple people at once.
- **Everyday top-ups and bills**, with **airtime and data** purchases for any network and bill payments from within the conversation.
- **Insights and lookups**, such as **spending insights** by category (for example, tracking food spend over a week) plus market information like **stock prices**, **cryptocurrency values**, and **real-time exchange rates**.

Available via **WhatsApp chat** (started through a wa.me link); no separate app is listed.

Built for **Nigeria-focused B2C users** who already rely on WhatsApp for daily communication and want a chat-first way to control personal finances.

Notable context: the website labels the service as **in development**, and it lists connections with many Nigerian banks and financial institutions (including GTBank, Access Bank, UBA, Zenith, First Bank, Kuda, OPay/Paycom, and others). Security controls described include **PIN-based transaction approval**, optional **Face ID/fingerprint**, and the ability to **block an account** if a phone is lost.

## Features

- [Fintech](/categories/fintech): Category
- [AI-Powered](/tags/ai-powered): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Bulk Payments](/tags/bulk-payments): Product feature or technology
- [Expense Tracking](/tags/expense-tracking): Product feature or technology
- [Payment Links](/tags/payment-links): Product feature or technology
- [Personal Finance](/tags/personal-finance): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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