Spend, pay bills and grow your savings in one calm app. No banking headache. No dollar stress. Built for Nigerian life.
Stop running across five platforms and screenshots. KashTok puts everything in one beautifully calm place.
Move money to any Nigerian bank in seconds. Search your contact, enter amount, tap send. No long account numbers. No guesswork.
Electricity, data, airtime, DSTV, water — all from the same wallet in one flow. No app-switching. No screenshots as proof.
Create vaults for rent, school fees, travel. Set auto-save rules. KashTok nudges you before you spend what you meant to save.
See exactly where your money goes every week — food, transport, black tax, subscriptions. Real numbers, real control. No more end-of-month surprises.
Get a KashTok virtual card instantly. Shop online, pay subscriptions, use internationally — without begging anyone for their dollar card.
We didn't copy a Silicon Valley fintech. We built KashTok from scratch around how Nigerians actually live, earn and spend.
AEDC disconnects at 11pm on a Friday? No problem. KashTok works 24/7. Vend token, restore power — in under 30 seconds from your bed.
Set a "Survival Fund" vault before month-end. KashTok auto-saves a fixed amount every pay day so you always have runway when salary delays.
Family responsibilities are real. KashTok lets you tag transfers as "family" so you can see exactly how much you support others — and plan around it.
KashTok is engineered for low-bandwidth connections. Fast even on 3G. Transactions queue and complete when connection restores. No failed payments.
Your KashTok virtual card works for Netflix, Spotify, Canva, AWS — all the subscriptions that used to require begging a friend with a dollar card.
Transfer to all 20+ Nigerian banks instantly. Search by phone number or name — no account number memorization required. Just tap and send.
Compare us honestly. We built what others didn't bother to.
Drop your email. We'll tell you exactly when your cohort is ready to onboard.
We send a secure personal invite link. No spam, no pressure — just your moment.
Quick BVN check, fund your wallet, create your first savings vault. Done in minutes.
Pay bills, move money, build savings. Early users shape what we build next.
Finally a fintech that actually understands Nigerian life — late-night bills, salary delays, all of it. KashTok is the one I've been waiting for.
The savings vaults are genius. Set one up for school fees, forgot about it, remembered in November. That's never happened with any other app.
EKEDC, data, DSTV all in one place. I don't miss juggling four different apps and taking screenshots as proof of payment. KashTok is the move.
The virtual card sold me. No more begging friends with dollar cards for Netflix and Spotify. Finally independent. Thank you KashTok.
I track my black tax expenses now. I used to feel guilty about how much I sent family, now I budget for it like any other expense. Game changer.