TrustAm on WhatsApp

Everything you can say.
And what you get back.

TrustAm lives in a WhatsApp chat. This is the full list of the 128 things it understands — written the way people really type them, in all five languages it speaks.

Nothing on this page is made up. It is generated from the bot's own list of what it can do, so it cannot fall behind.

Which half do you need?

Most people need both. A trader takes payments and also pays her own rent — the split is about what you are doing this minute, not about who you are.

Saving with other people

Ajo on WhatsApp

Start an Ajo, esusu or adashe in the chat, or join one with a code. Everyone pays the same each round, one person collects the pot, and TrustAm sends the reminders. No fees.

Open the Ajo guide ›

Starting from nothing

1

Open the chat

Tap the green button anywhere on this page. It opens WhatsApp with TrustAm already in it. There is no app to download and no form to fill.

2

Say hello, or say what you want

You do not have to start with a greeting. "how much i get", "plumber in Lekki" or "who owes me" all work from the very first message.

3

Answer the questions it asks

If something is missing — an amount, a name, a bank — it asks for that one thing instead of starting over. Money always needs your PIN before it moves.

It speaks five languages

English, Nigerian Pidgin, Yorùbá, Igbo and Hausa. There is no setting to change and no flag to pick — write in whichever one you think in, and the reply comes back in the same language. You can switch halfway through a sentence and it keeps up.

Five ways to ask the same question

  • Englishmy balance→ My balance
  • Naija Pidgin (Nigerian Pidgin)abeg how much i get for my account→ My balance
  • Yorùbá (Yoruba)elo lo ku ninu owo mi→ Owó mi
  • Igboego ole ka m nwere ugbua→ Ego m
  • Hausakudi nawa ya rage a wurina→ Kuɗina

Almost every entry in the two guides carries its own Yorùbá, Igbo and Hausa phrasings too — open “more ways to say it” under any card. Each one also shows what that feature is called in all five languages.

The 24 things it can tell you straight away

You do not have to phrase these as questions, and you do not have to wait for anybody. These are the answers TrustAm carries with it — the same wording it replies with in the chat, in whichever of the five languages you wrote in.

Can I get the TrustAm app from Play Store?

You do not need an app — this chat does everything, money included. There is a TrustAm app in the stores if you want it, but nothing here needs it.

Naija Pidgin — You no need app — this chat dey do everything, money join. TrustAm app dey for store if you want am, but nothing here need am.

Yorùbá — O kò nílò áàpù — ìjíròrò yìí ń ṣe gbogbo nǹkan, owó pẹ̀lú. Áàpù TrustAm wà nínú ṣọ́ọ̀bù bí o bá fẹ́ ẹ, ṣùgbọ́n kò sí nǹkan níbí tó nílò rẹ̀.

Igbo — Ịchọghị ngwa — nkata a na-eme ihe niile, ego tinyere. Ngwa TrustAm dị n'ụlọ ahịa ma ọ bụrụ na ịchọrọ ya, mana ọ dịghị ihe ebe a chọrọ ya.

Hausa — Ba ka bukatar manhaja — wannan hira tana yin komai, har da kuɗi. Akwai manhajar TrustAm a shagunan idan kana so, amma babu abin da ke bukatarta a nan.

Do I need a PIN before somebody can send me money?

You do not need a PIN to receive. Anybody can pay your TrustAm number from any bank app right now.

Naija Pidgin — You no need PIN to receive money. Anybody fit pay your TrustAm number from any bank app right now.

Yorùbá — O kò nílò PIN láti gba owó. Ẹnikẹ́ni lè san owó sí nọ́ńbà TrustAm rẹ láti inú app báńkì èyíkéyìí báyìí.

Igbo — Ịchọghị PIN iji nata ego. Onye ọ bụla nwere ike ịkwụ ego na nọmba TrustAm gị site na ngwa ụlọ akụ ọ bụla ugbu a.

Hausa — Ba ka bukatar PIN don karɓar kuɗi. Kowa na iya biyan lambar TrustAm ɗinka daga kowace manhajar banki yanzu.

How do I create my PIN?

A PIN is only for sending. The first time you send, I open a secure page. I send a 6-digit code here in this chat: tap Copy code, go back to the page, paste it, then choose your PIN. If the page closes when you go back, just open the link again: it remembers where you were. Never type your PIN here in the chat.

Naija Pidgin — PIN na only for when money dey comot. First time wey you wan send, I go open secure page. I go send 6-digit code for this chat: tap Copy code, go back to the page, paste am, then choose your PIN. If the page close when you go back, just open the link again: e go remember where you reach. Never type your PIN for this chat.

Yorùbá — PIN wà fún fífi owó ránṣẹ́ nìkan. Ìgbà àkọ́kọ́ tí o bá fi owó ránṣẹ́, màá ṣí ojú-ìwé àìléwu. Màá fi kóòdù oní-nọ́mbà mẹ́fà ránṣẹ́ sí ìjíròrò yìí: tẹ "Copy code", padà sí ojú-ìwé náà, lẹ̀ ẹ́ síbẹ̀, kí o sì yan PIN rẹ. Bí ojú-ìwé náà bá pa nígbà tí o padà, ṣí ìjápọ̀ náà lẹ́ẹ̀kan sí i: yóò rántí ibi tí o dé. Má ṣe tẹ PIN rẹ sí ìjíròrò yìí láé.

Igbo — PIN bụ maka izipu ego naanị. Oge mbụ ị ga-eziga ego, m ga-emeghe peeji echedoro. M ga-eziga koodu nwere ọnụọgụ isii na nkata a: pịa "Copy code", laghachi na peeji ahụ, tinye ya, wee họrọ PIN gị. Ọ bụrụ na peeji ahụ emechie mgbe ị laghachiri, mepee njikọ ahụ ọzọ: ọ ga-echeta ebe ị ruru. Apịnyela PIN gị na nkata a ma ọlị.

Hausa — PIN na aiki ne kawai lokacin da kuɗi ke fita. Karo na farko da za ka aika, zan buɗe shafi mai tsaro. Zan aiko maka lamba mai lambobi shida a wannan hira: ka danna "Copy code", ka koma shafin, ka liƙa shi, sannan ka zaɓi PIN ɗinka. Idan shafin ya rufe lokacin da ka koma, sake buɗe mahaɗin: zai tuna inda ka tsaya. Kada ka taɓa buga PIN ɗinka a wannan hira.

Is the PIN page an app I have to install?

The PIN page opens inside WhatsApp. It is not an app and nothing gets installed.

Naija Pidgin — The PIN page dey open inside WhatsApp. E no be app and nothing dey install.

Yorùbá — Ojú-ìwé PIN náà ń ṣí sínú WhatsApp. Kì í ṣe áàpù, kò sì sí nǹkan tí a fi sórí fóònù.

Igbo — Peeji PIN ahụ na-emeghe n'ime WhatsApp. Ọ bụghị ngwa, ọ dịghịkwa ihe a na-etinye.

Hausa — Shafin PIN yana buɗewa cikin WhatsApp. Ba manhaja ba ce kuma ba a shigar da komai.

How do I put money into my TrustAm account?

Send any amount from any bank app to your TrustAm number. It lands in seconds and I send you the receipt here.

Naija Pidgin — Send any amount from any bank app go your TrustAm number. E go land sharp sharp and I go send you the receipt here.

Yorùbá — Fi iye owó èyíkéyìí ránṣẹ́ láti inú app báńkì èyíkéyìí sí nọ́ńbà TrustAm rẹ. Yóò dé láàárín ìṣẹ́jú-àáyá, màá sì fi ìwé-ẹ̀rí ránṣẹ́ sí ọ níbí.

Igbo — Zipu ego ọ bụla site na ngwa ụlọ akụ ọ bụla gaa na nọmba TrustAm gị. Ọ na-erute n'ime sekọnd, m ga-ezitere gị akwụkwọ nnata ebe a.

Hausa — Aika kowane adadi daga kowace manhajar banki zuwa lambar TrustAm ɗinka. Yana isa cikin daƙiƙu kuma zan aiko maka da rasit a nan.

Why should I send money to my TrustAm account?

Once money is in, you can send to any bank straight from this chat, and every payment gives you a receipt. Your first transfer proves the whole thing works.

Naija Pidgin — Once money enter, you fit send go any bank straight from this chat, and every payment go give you receipt. Your first transfer go show you say the thing dey work.

Yorùbá — Ní kété tí owó bá wọlé, o lè fi ránṣẹ́ sí báńkì èyíkéyìí tààràtà láti inú ìjíròrò yìí, gbogbo ìsanwó sì ní ìwé-ẹ̀rí. Ìfiránṣẹ́ àkọ́kọ́ rẹ yóò fi hàn pé ó ń ṣiṣẹ́.

Igbo — Ozugbo ego batara, ị nwere ike izipu ya na ụlọ akụ ọ bụla ozugbo site na nkata a, ịkwụ ụgwọ ọ bụla na-enye akwụkwọ nnata. Mbufe mbụ gị na-egosi na ihe niile na-arụ ọrụ.

Hausa — Da zarar kuɗi ya shiga, za ka iya aikawa zuwa kowane banki kai tsaye daga wannan hira, kuma kowane biyan kuɗi yana ba da rasit. Turawa ta farko tana tabbatar maka cewa komai yana aiki.

How do I transfer money out?

Just say it, like "send 5k to [account number] GTB" or "pay Musa 5k". I show you the name on the account, you tap Confirm, then enter your PIN on the secure page.

Naija Pidgin — Just talk am, like "send 5k to [account number] GTB" or "pay Musa 5k". I go show you the name wey dey the account, you go tap Confirm, then enter your PIN for the secure page.

Yorùbá — Kàn sọ ọ́, bíi "send 5k to [account number] GTB" tàbí "pay Musa 5k". Màá fi orúkọ tó wà nínú àkántì náà hàn ọ́, wàá tẹ Confirm, lẹ́yìn náà kí o tẹ PIN rẹ sí ojú-ìwé àìléwu.

Igbo — Kwuo ya, dị ka "send 5k to [account number] GTB" ma ọ bụ "pay Musa 5k". M ga-egosi gị aha dị na akaụntụ ahụ, ị pịa Confirm, wee tinye PIN gị na peeji echedoro.

Hausa — Kawai ka faɗa, kamar "send 5k to [account number] GTB" ko "pay Musa 5k". Zan nuna maka sunan da ke asusun, ka danna Confirm, sannan ka shigar da PIN a shafi mai tsaro.

Where is my money actually kept?

Your money sits at Rubies Microfinance Bank, licensed by the CBN. TrustAm is the way you reach it, not the place it is kept. We are not a bank.

Naija Pidgin — Your money dey Rubies Microfinance Bank, wey CBN license. TrustAm na how you dey reach am, no be where e dey keep. We no be bank.

Yorùbá — Owó rẹ wà ní Rubies Microfinance Bank, tí CBN fún ní ìwé-àṣẹ. TrustAm ni ọ̀nà tí o fi ń dé ọ̀dọ̀ rẹ̀, kì í ṣe ibi tí a ti pa á mọ́. Àwa kì í ṣe báńkì.

Igbo — Ego gị dị na Rubies Microfinance Bank, nke CBN nyere ikike. TrustAm bụ ụzọ ị si eru ya, ọ bụghị ebe a na-echekwa ya. Anyị abụghị ụlọ akụ.

Hausa — Kuɗinka yana a Rubies Microfinance Bank, wanda CBN ya bayar da lasisi. TrustAm ita ce hanyar da kake isa gare shi, ba inda ake ajiye shi ba. Mu ba banki ba ne.

What does TrustAm charge me?

Transfers are free. The only charge is ₦50 government stamp duty when you send ₦10,000 or more to another bank, and you see it before you confirm. Money you receive is free, and airtime, data and bills cost exactly what you buy. If money reached you short, the bank or app it was sent from took that charge, not TrustAm.

Naija Pidgin — Transfer na free. The only charge na ₦50 government stamp duty when you send ₦10,000 go up to another bank, and you go see am before you confirm. Money wey you receive na free, and airtime, data and bills na exactly wetin you buy. If money land short, na the bank or app wey dem send am from collect am, no be TrustAm.

Yorùbá — Ìfiránṣẹ́ owó jẹ́ ọ̀fẹ́. Owó kan ṣoṣo ni ₦50 owó ìtẹ̀ǹsíjì ìjọba nígbà tí o bá fi ₦10,000 tàbí jù bẹ́ẹ̀ lọ ránṣẹ́ sí báńkì míì, o sì máa rí i kí o tó fọwọ́ sí i. Owó tí o bá gbà jẹ́ ọ̀fẹ́, airtime, data àti bills sì jẹ́ iye gangan tí o rà. Tí owó bá dé ní àìtó, báǹkì tí wọ́n ti fi ránṣẹ́ ló gbà á, kì í ṣe TrustAm.

Igbo — Mbufe ego bụ n'efu. Naanị ụgwọ bụ ₦50 stamp duty gọọmentị mgbe ị zigara ₦10,000 ma ọ bụ karịa n'ụlọ akụ ọzọ, ị ga-ahụkwa ya tupu ị kwado. Ego ị natara bụ n'efu, airtime, data na bills bụkwa kpọmkwem ego ị zụrụ. Ọ bụrụ na ego ruru gị dị nta, ọ bụ ụlọ akụ e si zite ya were ya, ọ bụghị TrustAm.

Hausa — Turawa kuɗi kyauta ne. Kuɗin kawai shi ne harajin stamp duty na gwamnati ₦50 idan ka tura ₦10,000 ko sama zuwa wani banki, kuma za ka gan shi kafin ka tabbatar. Kuɗin da ka karɓa kyauta ne, kuma airtime, data da bills daidai abin da ka saya ne. Idan kuɗi ya iso da ragi, bankin da aka tura daga shi ne ya karɓa, ba TrustAm ba.

How much can I move in a day, and how do I raise it?

Your phone number alone is Tier 1: ₦50,000 a day. With one ID checked (your NIN or your BVN) you are Tier 2: ₦200,000 a day. Tier 3 is ₦1,000,000 a day: it needs both your NIN and your BVN, a face scan, your ID and proof of address uploaded on the same page, and a phone number and email so a person on our team can contact you — and we approve it by hand. Say "increase my limit" and I will show you your next step.

Naija Pidgin — Only your phone number na Tier 1: ₦50,000 per day. With one ID wey we don check (your NIN or your BVN) you dey Tier 2: ₦200,000 per day. Tier 3 na ₦1,000,000 per day: e need both your NIN and your BVN, face scan, your ID and proof of address wey you upload for the same page, and phone number and email so person for our team fit contact you — and we go approve am by hand. Talk "increase my limit" make I show you your next step.

Yorùbá — Nọ́ńbà fóònù rẹ nìkan jẹ́ Tier 1: ₦50,000 lójúmọ́. Pẹ̀lú ID kan tí a ti ṣàyẹ̀wò (NIN tàbí BVN rẹ) o wà ní Tier 2: ₦200,000 lójúmọ́. Tier 3 jẹ́ ₦1,000,000 lójúmọ́: ó nílò NIN àti BVN rẹ méjèèjì, àyẹ̀wò ojú, ID rẹ àti ẹ̀rí àdírẹ́sì rẹ tí o gbé sókè lórí ojú-ìwé kan náà, àti nọ́ńbà fóònù àti ímeèlì kí ẹnìkan nínú ẹgbẹ́ wa lè kàn sí ọ, a ó sì fọwọ́ sí i fúnra wa. Sọ "increase my limit" màá sì fi ìgbésẹ̀ rẹ tó kàn hàn ọ́.

Igbo — Naanị nọmba ekwentị gị bụ Tier 1: ₦50,000 kwa ụbọchị. Site n'otu ID anyị lelere (NIN ma ọ bụ BVN gị) ị nọ na Tier 2: ₦200,000 kwa ụbọchị. Tier 3 bụ ₦1,000,000 kwa ụbọchị: ọ chọrọ ma NIN ma BVN gị, nyocha ihu, ID gị na ihe akaebe adreesị gị ị buliteere n'otu peeji ahụ, na nọmba ekwentị na email ka otu onye n'ime ndị otu anyị nwee ike ịkpọtụrụ gị, anyị ga-ejikwa aka kwado ya. Kwuo "increase my limit" m ga-egosi gị nzọụkwụ gị ọzọ.

Hausa — Lambar wayarka kaɗai ita ce Tier 1: ₦50,000 a rana. Da ID ɗaya da muka duba (NIN ko BVN ɗinka) kana Tier 2: ₦200,000 a rana. Tier 3 shi ne ₦1,000,000 a rana: yana buƙatar NIN da BVN ɗinka duka, duba fuska, ID ɗinka da shaidar adireshinka da ka ɗora a shafi ɗaya, da lambar waya da imel domin wani a cikin ƙungiyarmu ya tuntuɓe ka, kuma mu amince da hannu. Ka ce "increase my limit" zan nuna maka matakinka na gaba.

Will TrustAm ever ask me for an OTP or my PIN?

We only send you a 6-digit code when you set or reset your PIN, and you type it only on TrustAm's own secure page. Nobody from TrustAm will ever ask you to tell them a code or your PIN. If anybody does, it is a scam and it is not us.

Naija Pidgin — We only dey send you 6-digit code when you wan set or change your PIN, and na only for TrustAm secure page you go type am. Nobody from TrustAm go ever ask you to tell dem code or your PIN. If anybody ask, na scam and no be us.

Yorùbá — A máa ń fi kóòdù oní-nọ́mbà mẹ́fà ránṣẹ́ sí ọ nìkan nígbà tí o bá ń ṣètò tàbí yí PIN rẹ padà, ojú-ìwé àìléwu TrustAm nìkan ni o ti máa tẹ̀ ẹ́. Kò sí ẹnikẹ́ni láti TrustAm tí yóò béèrè kí o sọ kóòdù tàbí PIN rẹ fún wọn. Bí ẹnikẹ́ni bá béèrè, ìwà ẹ̀tàn ni, kì í ṣe àwa.

Igbo — Anyị na-ezitere gị koodu nwere ọnụọgụ isii naanị mgbe ị na-edozi ma ọ bụ na-agbanwe PIN gị, ọ bụkwa naanị na peeji echedoro TrustAm ka ị ga-ede ya. Ọ dịghị onye si TrustAm ga-arịọ gị ka ị gwa ya koodu ma ọ bụ PIN gị. Ọ bụrụ na onye ọ bụla arịọ, ọ bụ aghụghọ, ọ bụghịkwa anyị.

Hausa — Muna aiko maka lamba mai lambobi shida ne kawai lokacin da kake saita ko canza PIN ɗinka, kuma a shafin TrustAm mai tsaro kaɗai za ka rubuta shi. Babu wani daga TrustAm da zai taɓa tambayar ka ka faɗa masa lamba ko PIN ɗinka. Idan wani ya tambaya, zamba ce kuma ba mu ba ne.

What do I do if I lose my phone?

Say "freeze my account" from any phone and nothing can leave it.

Naija Pidgin — Talk "freeze my account" from any phone and nothing fit comot from am.

Yorùbá — Sọ "freeze my account" láti inú fóònù èyíkéyìí, kò sí nǹkan tí yóò lè jáde nínú rẹ̀.

Igbo — Kwuo "freeze my account" site na ekwentị ọ bụla, ọ dịghị ihe ga-apụ na ya.

Hausa — Ka faɗi "freeze my account" daga kowace waya kuma ba abin da zai fita daga ciki.

Can I use my brother's BVN, or check my wife's account for her?

I can only verify your own identity and act on your own account. I can't use anyone else's BVN or NIN, or check or move money from another person's account. They can do that from their own phone, with their own PIN.

Naija Pidgin — Na only your own identity I fit verify, and na only your own account I fit touch. I no fit use another person BVN or NIN, or check or move money from another person account. Them fit do am from their own phone, with their own PIN.

Yorùbá — Ìdánimọ̀ tìrẹ nìkan ni mo lè ṣàyẹ̀wò, àkáǹtì tìrẹ nìkan ni mo sì lè ṣiṣẹ́ lé lórí. Mi ò lè lo BVN tàbí NIN ẹlòmíràn, tàbí yẹ àkáǹtì ẹlòmíràn wò tàbí gbé owó jáde nínú rẹ̀. Wọ́n lè ṣe é láti orí fóònù tiwọn, pẹ̀lú PIN tiwọn.

Igbo — Naanị njirimara gị ka m nwere ike inyocha, naanị akaụntụ gị ka m nwekwara ike ịrụ ọrụ na ya. Enweghị m ike iji BVN ma ọ bụ NIN onye ọzọ, ma ọ bụ lelee ma ọ bụ wepụ ego n'akaụntụ onye ọzọ. Ha nwere ike ime ya site na ekwentị nke ha, jiri PIN nke ha.

Hausa — Shaidarka kaɗai zan iya tantancewa, kuma asusunka kaɗai zan iya aiki a kai. Ba zan iya amfani da BVN ko NIN na wani ba, ko in duba ko cire kuɗi daga asusun wani. Za su iya yin hakan daga wayarsu, da PIN ɗinsu.

Do I get a receipt for a payment?

Every payment gives a receipt, on both sides. Forward it to anybody as proof.

Naija Pidgin — Every payment dey give receipt, for both sides. Forward am give anybody as proof.

Yorùbá — Gbogbo ìsanwó ní ìwé-ẹ̀rí, ní ìhà méjèèjì. Fi ránṣẹ́ sí ẹnikẹ́ni gẹ́gẹ́ bí ẹ̀rí.

Igbo — Ịkwụ ụgwọ ọ bụla na-enye akwụkwọ nnata, n'akụkụ abụọ. Zipu ya nye onye ọ bụla dị ka ihe akaebe.

Hausa — Kowane biyan kuɗi yana ba da rasit, a bangarorin biyu. Tura shi ga kowa a matsayin shaida.

What languages can I write in?

Talk to me in English, Pidgin, Yoruba, Igbo or Hausa. Type it or send a voice note, either works.

Naija Pidgin — Talk to me for English, Pidgin, Yoruba, Igbo or Hausa. Type am or send voice note, the two dey work.

Yorùbá — Bá mi sọ̀rọ̀ ní Gẹ̀ẹ́sì, Pidgin, Yorùbá, Ìgbò tàbí Hausa. Tẹ̀ ẹ́ tàbí fi ohùn ránṣẹ́, méjèèjì ń ṣiṣẹ́.

Igbo — Gwa m okwu n'asụsụ Bekee, Pidgin, Yoruba, Igbo ma ọ bụ Hausa. Pịnye ya ma ọ bụ zipu olu, ha abụọ na-arụ ọrụ.

Hausa — Yi magana da ni da Turanci, Pidgin, Yoruba, Igbo ko Hausa. Rubuta ko aika saƙon murya, duka suna aiki.

Can TrustAm keep the records for my shop?

If you sell, I keep your shop book too: record sales by talking, see who owes you, and get a close every evening. Free the first month, then ₦5,000 a month.

Naija Pidgin — If you dey sell, I fit keep your shop book too: record sales by just talking, see who dey owe you, and get close every evening. Free for first month, then ₦5,000 per month.

Yorùbá — Bí o bá ń tà, màá tọ́jú ìwé ìtajà rẹ pẹ̀lú: kọ ìtajà sílẹ̀ nípa sísọ̀rọ̀, wo ẹni tó jẹ ọ́ ní gbèsè, kí o sì rí ìpari ojúmọ́ lálẹ́. Ọ̀fẹ́ fún oṣù àkọ́kọ́, lẹ́yìn náà ₦5,000 lóṣù.

Igbo — Ọ bụrụ na ị na-ere ahịa, m na-edebekwa akwụkwọ ụlọ ahịa gị: depụta ire site n'ikwu okwu, hụ onye ji gị ụgwọ, nweta mmechi kwa mgbede. N'efu n'ọnwa mbụ, mgbe ahụ ₦5,000 kwa ọnwa.

Hausa — Idan kana sayarwa, ina ajiye littafin shagonka ma: rubuta tallace-tallace ta hanyar magana, ka ga wanda ke bin ka bashi, kuma ka sami rufewa kowane maraice. Kyauta a watan farko, sannan ₦5,000 a wata.

Can I buy airtime or pay my light bill here?

You can buy airtime and data right here. Say "buy 1k airtime for 08031234567", or "buy mtn data" and pick a plan. It comes out of your TrustAm balance. Light and cable TV are coming soon.

Naija Pidgin — You fit buy airtime and data for here. Talk "buy 1k airtime for 08031234567", or "buy mtn data" make you pick plan. E dey comot from your TrustAm balance. Light and cable TV dey come soon.

Yorùbá — O lè ra áàtáìmù àti dátà níbí. Sọ "buy 1k airtime for 08031234567", tàbí "buy mtn data" kí o sì yan ètò kan. Ó máa jáde láti inú owó TrustAm rẹ. Ìmọ́lẹ̀ àti kébù TV ń bọ̀ láìpẹ́.

Igbo — Ị nwere ike ịzụta airtime na data ebe a. Kwuo "buy 1k airtime for 08031234567", ma ọ bụ "buy mtn data" wee họrọ atụmatụ. Ọ na-esi na ego TrustAm gị apụ. Ọkụ na cable TV na-abịa n'oge na-adịghị anya.

Hausa — Kana iya sayen airtime da data a nan. Ka ce "buy 1k airtime for 08031234567", ko "buy mtn data" ka zaɓi tsari. Yana fita daga ma'aunin TrustAm ɗinka. Wuta da cable TV suna nan tafe.

Can you show me what I have been spending?

I keep every payment in and out, so ask me "how much did I spend this month" or "where did my money go" and you get the real figures — and a chart if you want one.

Naija Pidgin — I dey keep every money wey enter and comot, so ask me "how much I spend this month" or "where my money go" and you go see the real figures — chart too if you want.

Yorùbá — Mo ń tọ́jú gbogbo owó tó wọlé àti tó jáde, nítorí náà bi mí "elo ni mo ná ní oṣù yìí" tàbí "ibo ni owó mi lọ" kí o sì rí àwọn nọ́mbà gidi — àti àwòrán bí o bá fẹ́.

Igbo — Ana m edebe ego niile na-abanye na nke na-apụ, ya mere jụọ m "ego ole ka m mefuru n'ọnwa a" ma ọ bụ "ebee ka ego m gara" ị ga-ahụ ezigbo ọnụọgụ — na chaatị ma ọ bụrụ na ịchọrọ.

Hausa — Ina adana duk kuɗin da ke shiga da fita, don haka ka tambaye ni "nawa na kashe wannan watan" ko "ina kuɗina ya tafi" za ka ga ainihin lambobi — da hoto idan kana so.

What is TrustAm, and how does it work?

TrustAm is a bank account inside WhatsApp — free, with no app and no forms. You get your own account number to receive money from any bank, you send money to any bank just by typing it here, you can buy airtime and pay light and TV bills, and you can find trusted people near you for a job, like a plumber or a tailor. To start, reply *open account*.

Naija Pidgin — TrustAm na bank account inside WhatsApp — e free, no app, no form. You go get your own account number to receive money from any bank, you fit send money go any bank just by typing am here, you fit buy airtime and pay light and TV bill, and you fit find better person near you for work, like plumber or tailor. To start, reply *open account*.

Yorùbá — TrustAm jẹ́ àkántì báńkì nínú WhatsApp — ọ̀fẹ́ ni, kò sí áàpù, kò sí fọ́ọ̀mù. O máa ní nọ́ńbà àkántì tìrẹ láti gba owó láti báńkì èyíkéyìí, o lè fi owó ránṣẹ́ sí báńkì èyíkéyìí nípa títẹ̀ ẹ́ níbí, o lè ra áàtáìmù kí o sì san owó ìmọ́lẹ̀ àti TV, o sì lè rí oníṣẹ́ tó ṣeé gbẹ́kẹ̀lé nítòsí rẹ, bíi plumber tàbí tailor. Láti bẹ̀rẹ̀, dá *open account* padà.

Igbo — TrustAm bụ akaụntụ ụlọ akụ n'ime WhatsApp — n'efu, ọ dịghị ngwa, ọ dịghị fọm. Ị ga-enweta nọmba akaụntụ nke gị iji nata ego site n'ụlọ akụ ọ bụla, ị nwere ike izipu ego n'ụlọ akụ ọ bụla site n'ide ya ebe a, ịzụta airtime ma kwụọ ụgwọ ọkụ na TV, ma chọta onye ọrụ a tụkwasịrị obi nso gị, dịka plumber ma ọ bụ tailor. Ka ịmalite, zaghachi *open account*.

Hausa — TrustAm asusun banki ne a cikin WhatsApp — kyauta, babu manhaja, babu fom. Za ka sami lambar asusunka don karɓar kuɗi daga kowane banki, ka tura kuɗi zuwa kowane banki ta hanyar rubuta shi a nan, ka sayi airtime ka biya kuɗin wuta da TV, kuma ka nemo gwani amintacce kusa da kai, kamar plumber ko tailor. Don farawa, amsa *open account*.

How do I open a TrustAm account?

Send your *NIN* or *BVN* (11 digits) with your date of birth in one message, like *12345678901 15/06/1990*. The bank checks it is you, and your account number comes back here in about a minute. Either ID works — you do not need both. No app, no forms, and it is free. Reply *open account* to start.

Naija Pidgin — Send your *NIN* or *BVN* (11 digits) plus your date of birth for one message, like *12345678901 15/06/1990*. The bank go check say na you, and your account number go come back here for about one minute. Any one of the two ID dey work — you no need both. No app, no form, and e free. Reply *open account* to start.

Yorùbá — Fi *NIN* tàbí *BVN* rẹ (díjítì 11) pẹ̀lú ọjọ́ ìbí rẹ ránṣẹ́ nínú ìfiránṣẹ́ kan, bíi *12345678901 15/06/1990*. Báńkì yóò ṣàyẹ̀wò pé ìwọ ni, nọ́ńbà àkántì rẹ yóò sì dé níbí ní nǹkan bí ìṣẹ́jú kan. Èyíkéyìí nínú méjèèjì ló ń ṣiṣẹ́ — o kò nílò méjèèjì. Kò sí áàpù, kò sí fọ́ọ̀mù, ọ̀fẹ́ sì ni. Dá *open account* padà láti bẹ̀rẹ̀.

Igbo — Zite *NIN* ma ọ bụ *BVN* gị (ọnụọgụ 11) ya na ụbọchị ọmụmụ gị n'otu ozi, dịka *12345678901 15/06/1990*. Ụlọ akụ ga-enyocha na ọ bụ gị, nọmba akaụntụ gị ga-alọta ebe a n'ihe dịka otu nkeji. Otu n'ime ha zuru — ịchọghị ha abụọ. Ọ dịghị ngwa, ọ dịghị fọm, ọ bụkwa n'efu. Zaghachi *open account* ka ịmalite.

Hausa — Aika *NIN* ko *BVN* ɗinka (lamba 11) tare da ranar haihuwarka a saƙo ɗaya, kamar *12345678901 15/06/1990*. Banki zai tabbatar cewa kai ne, kuma lambar asusunka za ta dawo nan cikin kusan minti ɗaya. Ko wanne ɗaya yana aiki — ba ka bukatar duka biyu. Babu manhaja, babu fom, kuma kyauta ne. Amsa *open account* don farawa.

Does TrustAm give loans or credit?

No — TrustAm does not give loans or credit. What you get here is your own account: receive money, send it, and pay bills. If anybody offers you a "TrustAm loan", or asks you to pay a fee to get one, it is not us.

Naija Pidgin — No — TrustAm no dey give loan or credit. Wetin you go get here na your own account: receive money, send am, and pay bills. If anybody offer you "TrustAm loan", or ask you to pay fee to collect am, no be us.

Yorùbá — Rárá — TrustAm kì í yá ènìyàn lówó, kò sì sí gbèsè níbí. Ohun tí o máa rí níbí ni àkántì tìrẹ: gba owó, fi ránṣẹ́, kí o sì san owó iná àti àwọn owó míràn. Bí ẹnikẹ́ni bá fún ọ ní "owó yíyá TrustAm", tàbí ní kí o san owó kan láti gbà á, kì í ṣe àwa.

Igbo — Mba — TrustAm anaghị agbazinye ego, ọ dịghịkwa kredit ebe a. Ihe ị ga-enweta ebe a bụ akaụntụ nke gị: nata ego, zipu ya, ma kwụọ ụgwọ. Ọ bụrụ na onye ọ bụla enye gị "mgbazinye ego TrustAm", ma ọ bụ gwa gị ka ị kwụọ ụgwọ iji nweta ya, ọ bụghị anyị.

Hausa — A'a — TrustAm ba ta ba da bashi ko lamuni. Abin da za ka samu a nan shi ne asusunka: karɓi kuɗi, tura shi, ka biya kuɗaɗe. Idan wani ya ba ka "bashin TrustAm", ko ya ce ka biya kuɗi don samunsa, ba mu ba ne.

Will I get a bonus in my account?

There is no sign-up bonus. What we do pay: if a friend invited you to TrustAm, you each get ₦500 once you have kept ₦2,000 or more in your account for 7 days; and anyone who keeps ₦5,000 or more in their account for 7 days in a row gets ₦250, once.

Naija Pidgin — We no get sign-up bonus. Wetin we dey pay: if your friend invite you come TrustAm, una two go each get ₦500 once you don keep ₦2,000 or more for your account for 7 days; and anybody wey keep ₦5,000 or more for their account for 7 days straight go get ₦250, one time.

Yorùbá — Kò sí ẹ̀bùn fún ìforúkọsílẹ̀. Ohun tí a ń san: bí ọ̀rẹ́ kan bá pè ọ́ wá sí TrustAm, ẹ̀yin méjèèjì yóò gba ₦500 kọ̀ọ̀kan ní kété tí o bá ti fi ₦2,000 tàbí jù bẹ́ẹ̀ lọ sílẹ̀ nínú àkántì rẹ fún ọjọ́ 7; àti pé ẹnikẹ́ni tó bá fi ₦5,000 tàbí jù bẹ́ẹ̀ lọ sílẹ̀ nínú àkántì rẹ̀ fún ọjọ́ 7 léraléra yóò gba ₦250, ẹ̀ẹ̀kan.

Igbo — Enweghị ego onyinye maka ndebanye aha. Ihe anyị na-akwụ: ọ bụrụ na enyi gị kpọrọ gị bịa TrustAm, unu abụọ ga-enweta ₦500 onye ọ bụla ozugbo i debere ₦2,000 ma ọ bụ karịa n'akaụntụ gị ruo ụbọchị 7; onye ọ bụla debere ₦5,000 ma ọ bụ karịa n'akaụntụ ya ụbọchị 7 n'usoro ga-enweta ₦250, otu ugboro.

Hausa — Babu kyautar yin rajista. Abin da muke biya: idan abokinka ya gayyace ka zuwa TrustAm, kowannenku zai sami ₦500 da zarar ka ajiye ₦2,000 ko fiye a asusunka na kwanaki 7; kuma duk wanda ya ajiye ₦5,000 ko fiye a asusunsa na kwanaki 7 a jere zai sami ₦250, sau ɗaya.

Why do you need my BVN or NIN?

The law says the licensed bank that holds your money must know who owns the account, so your NIN or BVN is checked once, when you open it. We keep only a one-way code of it, never the number. We will never ask for your PIN, an OTP or a password — anyone who does is a scammer.

Naija Pidgin — Law talk say the licensed bank wey hold your money must know who get the account, so we go check your NIN or BVN one time, when you dey open am. Na only one-way code we dey keep, no be the number. We no go ever ask for your PIN, OTP or password — anybody wey ask, na scammer.

Yorùbá — Òfin sọ pé báńkì tó ní ìwé-àṣẹ tó ń tọ́jú owó rẹ gbọ́dọ̀ mọ ẹni tó ni àkántì náà, nítorí náà a ó ṣàyẹ̀wò NIN tàbí BVN rẹ lẹ́ẹ̀kan, nígbà tí o bá ṣí i. Kóòdù ọ̀nà-kan nìkan ni a ń tọ́jú, kì í ṣe nọ́ńbà náà. A kò ní béèrè PIN, OTP tàbí ọ̀rọ̀ aṣínà rẹ láéláé — ẹni tó bá béèrè jẹ́ onílọ̀ọ́.

Igbo — Iwu kwuru na ụlọ akụ nwere ikike nke na-echekwa ego gị ga-amarịrị onye nwe akaụntụ ahụ, ya mere a na-enyocha NIN ma ọ bụ BVN gị otu ugboro, mgbe ị na-emepe ya. Anyị na-edebe naanị koodu otu ụzọ, ọ bụghị nọmba ahụ. Anyị agaghị ajụ PIN, OTP ma ọ bụ paswọọdụ gị — onye ọ bụla jụrụ bụ onye aghụghọ.

Hausa — Doka ta ce banki mai lasisi da ke riƙe da kuɗinka dole ya san wanda ya mallaki asusun, don haka ana duba NIN ko BVN ɗinka sau ɗaya, lokacin da ka buɗe shi. Muna ajiye lamba ta hanya ɗaya kawai, ba lambar kanta ba. Ba za mu taɓa tambayar PIN, OTP ko kalmar sirrinka ba — duk wanda ya tambaya ɗan damfara ne.

How do I reach a real person?

Say "agent" and somebody from TrustAm will reply to you here.

Naija Pidgin — Talk "agent" and person from TrustAm go reply you here.

Yorùbá — Sọ "agent", ẹnìkan láti TrustAm yóò dá ọ lóhùn níbí.

Igbo — Kwuo "agent", mmadụ si na TrustAm ga-azaghachi gị ebe a.

Hausa — Ka faɗi "agent" sai wani daga TrustAm ya amsa maka a nan.

The menu, and how to get out of anything

The first message TrustAm sends you carries a button called “See what I can do”. Tapping it opens a short list of the things most people want — sending money, getting customers, money advice, your books. It is a shortcut, not a fence: everything in this guide works whether or not it is on that list.

You can reopen that list at any moment by typing menu, main menu, home or options. It works in the middle of a half-finished payment, inside signup, anywhere.

TypeWhat happens
menuBack to the list of everything it can do. Works at any point, in any flow.
backOne step back, without losing the rest of what you were doing.
cancelDrop whatever is half-finished. Nothing is sent.
helpThe short version of this page, inside the chat.
agentAsk for a person instead of the bot.

These have to be the whole message on their own. “Go back to the drawing board” is a sentence, not an escape, and TrustAm will not hijack it.

What is in the two guides

Why you can trust it

Every line in these lists is pulled straight from the file the assistant itself reads when it works out what your message meant. Nobody types this page by hand, so it cannot list a feature that was removed or miss one that was added. If TrustAm can do it, it is here.

Open TrustAm on WhatsApp

Common questions

Do I have to type the exact words in this guide?+

No. The examples here are real phrasings people have used, not commands you have to copy. TrustAm reads ordinary sentences, so "abeg how much i get for my account" and "my balance" reach the same place. The examples are there so you can see the shape of what works.

What languages does TrustAm understand?+

Five: English, Nigerian Pidgin, Yoruba, Igbo and Hausa. You do not set a language anywhere — write in whichever one you like and it replies in that one. You can switch mid-conversation.

How do I get back to the start if I am stuck?+

Type "menu", "main menu", "home", "options" — any of them, at any point, in any half-finished flow. Nothing is sent and nothing is lost. "cancel" drops whatever is pending, and "back" goes one step.

What is the menu?+

The welcome message carries a button called "See what I can do". Tapping it opens a short list of the most common things — sending money, getting customers, money advice, your books. It is a shortcut, not a limit: anything in this guide works whether or not it is on that list.

Is this the whole list, or only the popular bits?+

It is the whole list. All 128 of them are generated from the same registry the bot itself reads, so the page cannot be missing something the bot can do. If TrustAm learns something new, it appears here.

Can somebody else use my chat to move my money?+

Every payment needs your PIN, which lives on your TrustAm account and is never on the phone. If you lose the handset, say so in the chat — "i misplace my phone" is understood — and the account is frozen immediately.

Do I need a TrustAm account to start?+

Not to ask questions or find an artisan. You need one to hold or move money, and you can open it inside the chat: say "i wan get account for here" and it walks you through NIN or BVN and an email address.

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