1,247 people joined today
AI-powered · Built for Nigeria

Smart money
for real life.

Send money instantly, budget with AI, and see all your finances in one place. Designed for how Nigerians actually live and earn.

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50K+
Nigerians onboarded
₦2B+
Transferred safely
4.9 ★
App Store rating
EM
Emeka, Lagos
just joined TrustAm 🔥
2s ago
CH
Hello, Chisom!
🔔
Total Balance 👁
₦200,000
TrustAm Wallet
₦0
GTBank
₦100,000
Access Bank
₦100,000
7-day income₦44,720
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Recent ActivitySee All
↑
Received from NIP/KUDA/SAMUEL
Today · 11:31 AM
+₦29,633
🏠
Home
⇄
Transactions
▷
Send
◎
Budget
✦
AI
⚙
💬
Dashboard
Cash Flow
Goals
Budget
₦34,700 left
out of ₦183,000 budgeted
₦34,700 under
BUDGET ⓘCategories ›
📱
₦3,000
left
🚕
₦0
left
🍔
₦15,100
left
⚡
₦0
left
🙏
₦0
left
NET THIS MONTH ⓘcash flow ›
Net Cash Flow
+₦70,000
Income₦350,000
Expenses₦280,000
Savings Rate20%
Financial Health ⓘFull Report ›
🏠
Home
⇄
Transactions
▷
Send
◎
Budget
✦
AI
≡ Trust AM Advisor ✕
TrustAm

What can I help you with today?

Your AI Budget advisor is ready to help you

How can I save more money?
What are my reoccurring payments?
How is my vacation budget doing?
Try saying "surprise me" to get ideas.
✕
Ask anything...
↑
←
Financial Health
72
out of 100
💪 B — Good
Based on last 30 days of activity
Good work. Small improvements to savings could push you to A.
Score Breakdown
💰
Spending vs Income
30% weight
80
You spent 68% of your income this month — solid control.
📋
Budget Adherence
25% weight
65
Two categories exceeded budget: Transport and Electricity.
Transfer complete
₦25,000 ✓ Sent
To Adaeze · GTBank · <2s
EK
Emeka just sent ₦50,000 to his sister in Abuja·
AI
Aisha connected her GTBank account·
TB
Tunde saved ₦10,000 toward his MacBook goal·
CD
Chidinma paid her IKEDC bill in 4 seconds·
MU
Musa's AI advisor found ₦8,400 he could save this month·
BL
Blessing just joined from Port Harcourt 🎉·
OL
Oluwaseun transferred to 4 banks at once with one tap·
FT
Fatima's Ajo savings hit ₦200,000 this month·
EK
Emeka just sent ₦50,000 to his sister in Abuja·
AI
Aisha connected her GTBank account·
TB
Tunde saved ₦10,000 toward his MacBook goal·
CD
Chidinma paid her IKEDC bill in 4 seconds·
MU
Musa's AI advisor found ₦8,400 he could save this month·
BL
Blessing just joined from Port Harcourt 🎉·
OL
Oluwaseun transferred to 4 banks at once with one tap·
FT
Fatima's Ajo savings hit ₦200,000 this month·

As seen in

Everything in one app

Four pillars.
One wallet.

Everything you need to take control of your money — without switching between five different apps.

💸

Send money to any Nigerian bank

Enter an account number, scan a QR code, or pick a contact. Money moves in under 3 seconds — no forms, no branch visits, no waiting.

YO
You TrustAm
₦25,000
⚡ < 3 sec
Adaeze GTBank
AO
📊

Budget that actually works

Nigerian-localized categories — Airtime, Fuel, Owambe, Ajo. Your spending auto-categorises so you always know what's left.

Mono-powered open banking
✦

AI Financial Advisor

Ask your money anything. "Can I afford a new phone this month?" "What's my biggest expense?" Powered by Gemini AI, trained on Nigerian financial patterns.

"You've spent ₦45,000 on food this month — ₦12,000 more than usual. Want me to suggest where to cut back?"​

Available 24/7 · Speaks plain English, Pidgin, Hausa, Yoruba & Igbo

🔗

All your banks, one view

Connect GTBank, Kuda, UBA, Zenith — any Nigerian bank. See all your balances and transactions without logging in to each one.

Works with 20+ Nigerian banks
🏦

Virtual bank account

Get your own dedicated account number. Receive money from any Nigerian bank — your wallet credits automatically, no action needed.

Free · Instant settlement
Simple by design

Ready to pay
in minutes

No paperwork. No branch visit. Just your phone and your BVN.

1

Download & sign up

Enter your phone number, verify with OTP, and set your PIN. Takes under 2 minutes.

2

Add money

Transfer to your dedicated account number from any Nigerian bank, or fund with your debit card.

3

Pay, plan & grow

Send money, track your spending with AI, and get insights that actually change your habits.

Works with every major Nigerian bank

GTBank
Access Bank
UBA
First Bank
Zenith Bank
Kuda Bank
Stanbic IBTC
Wema / ALAT
Sterling Bank
Fidelity Bank
FCMB
Ecobank
Moniepoint
OPay
PalmPay
Union Bank
Polaris Bank
Providus Bank
Keystone Bank
Heritage Bank
GTBank
Access Bank
UBA
First Bank
Zenith Bank
Kuda Bank
Stanbic IBTC
Wema / ALAT
Sterling Bank
Fidelity Bank
FCMB
Ecobank
Moniepoint
OPay
PalmPay
Union Bank
Polaris Bank
Providus Bank
Keystone Bank
Heritage Bank
Budget intelligence

Know exactly where
every naira goes

Nigerian-localized categories that match how you actually spend — not some Western budgeting template.

📱

Auto-categorization

Airtime, Fuel, Food, NEPA, Ajo, Church — every transaction sorted without lifting a finger.

📅

Flexible budgets

Weekly, bi-weekly, or monthly. Set limits per category and get alerted before you overspend.

🎯

Savings goals

Emergency fund, travel, rent deposit. Track progress and see exactly when you'll get there.

This Month's Budget
March 2026 — ₦150,000 limit
🛒 Food & Groceries ₦28K / ₦40K
⚡ Airtime & Data ₦8K / ₦10K
🚌 Transport ₦9K / ₦15K — under!
🙏 Church / Tithe ₦18K / ₦18K
🎉 Owambe / Events ₦22K / ₦20K — over!

✦ AI Insight: Cut ₦5K from events next month and you'll hit your rent savings goal 3 weeks early.

Trust & safety

Your money is
safe with us

We're built on licensed infrastructure and regulated under Nigerian law.

🏛️

CBN Compliant

We operate through CBN-licensed payment service providers. All transactions comply with Nigerian financial regulations.

🔐

Bank-grade encryption

AES-256 encryption at rest and TLS 1.3 in transit. Your data and money are protected to banking standards.

🪪

KYC Verified

BVN and NIN verification powered by Dojah. Higher limits unlock automatically as you verify your identity.

👆

Biometric auth

Face ID, fingerprint, and 6-digit PIN. Every payment requires your confirmation — no exceptions.

Payments processed by Paystack (CBN Licensed) · NDPA 2023 Compliant
Real users, real results

Nigerians love
TrustAm

★★★★★

"I finally know where my salary goes every month. The AI told me I was spending ₦30K on food and I didn't even realise. Changed my whole budgeting game."

AO
Adaeze O.
Product Designer · Lagos
★★★★★

"E dey do everything! Send money, budget, even talk to AI for advice. Na the best fintech app wey I don use for Nigeria. 100% recommend."

KA
Kemi A.
Entrepreneur · Ibadan
★★★★★

"I connected all my 4 bank accounts and now I see my total balance in one screen. The transfer speed is crazy fast — better than my actual bank app."

TM
Tunde M.
Software Engineer · Abuja
Join the herd! 🐐
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Join 50,000+ Nigerians

Your money.
Finally in control.

Free to download. Free to send. Smarter than your bank.

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iOS 16+ · Android 10+ · Free to download