Everything you need to pay, in one intelligent app
Airkobo combines a secure wallet, every bill category and an AI assistant that understands plain language, so paying is as easy as having a conversation.
Powerful by design, simple by default
AI assistant
Just tell Airkobo what you need and it is done in seconds. No menus, no friction.
One smart wallet
Fund once and pay for everything. A dedicated NGN account, instant top-ups and a balance you control.
Every bill, one app
Airtime, data, electricity, cable TV, gift cards and more. All your payments in a single place.
Bank-grade security
KYC-verified accounts, encrypted transactions and biometric sign-in keep your money safe.
Smart insights
See where your money goes and get gentle reminders before your subscriptions are due.
Transparent pricing
Clear, capped fees on every transaction. What you see is what you pay. Always.
Understood
Airtime: N2,000
Pay by conversation
Skip the menus. Ask for what you want and Airkobo interprets, confirms and completes it, then keeps you ahead with smart reminders.
- Understands natural language across every service
- Always confirms amount and recipient before paying
- Predicts renewals from your history and reminds you
- Answers questions about your balance and spending
Fund once. Pay for everything.
A dedicated NGN account, instant top-ups and a balance you fully control, with every transaction tracked and tagged automatically.
- Dedicated bank account credited instantly on transfer
- Pay a single bill directly without funding first
- Biometric sign-in and KYC-verified protection
- Clear history with categories and smart insights
Balance
N128,450
KYC verified
Bank-grade security
One wallet for all your payments
Airtime
Top up any network in seconds: MTN, Glo, Airtel or 9mobile.
Data Bundles
Affordable data plans for every network and budget.
Electricity
Pay prepaid and postpaid bills and get your token instantly.
Cable TV
Renew DStv, GoTV and StarTimes without the queues.
Internet
Stay connected with Smile, Spectranet and more.
Betting
Fund your betting wallet the moment inspiration strikes.
Education
Buy WAEC, NECO and JAMB e-PINs in a tap.
Gift Cards
Buy and sell popular gift cards at great rates. Coming soon.
Clear, capped fees. Always shown upfront.
No surprises. A small flat service charge applies to selected categories, plus a capped processing fee on direct payments. You always see the exact fee before you confirm.
- Wallet funding (verified)Free instant transfers
- Airtime & dataNo extra service charge
- Electricity, cable & bettingSmall flat service charge
- Direct (non-wallet) paymentsCapped processing fee