Finnova is an AI-powered bot digital bank on WhatsApp for individuals and small businesses that prefer to conduct their banking transactions through digital channels, and value convenience and accessibility, and are already using WhatsApp as their primary communication tool.

To use Finnova WhatsApp Banking, customers need to save the bank's WhatsApp number +2349020000004 on their phone and initiate a conversation with the bank. The bank will send a menu of available services, and customers can choose the service they want by replying with the appropriate code.

Simply chat Finnova bot by saving +234 902 0000 004 on your phone, go to WhatsApp and chat the saved number to open an account.

Tier 1 account category requires no BVN (Tier 1 account holder has a daily transaction limit of N20,000 and accumulative balance of N100,000)
Tier 2 account category requires valid BVN (Tier 2 account holder has a daily transaction limit of N50,000 and accumulative balance of N1,000,000)
Tier 3 account category requires Valid BVN, Valid ID Num, Valid Photo ID & Selfie. (Tier 3 account holder has an unlimited daily transaction with unlimited accumulative balance).

Yes, you can pay bills without opening a Finnova account.

You stand to get 5% cash-back on bills payment provided you have a Finnova account.

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Just like your traditional bank apps, considered Finnova safe, as long as customers follow standard security practices, such as not sharing their personal information or banking details with anyone. Customers should also ensure that they are communicating with the official bank number, and not a fake or fraudulent account.

Enable two-step verification
1. Open WhatsApp Settings.
2. Tap Account > Two-step verification > Enable.
3. Enter a six-digit PIN of your choice and confirm it.
4. Provide an email address you can access or tap Skip if you don’t want to add an email address. We recommend adding an email address as this allows you to reset two-step verification, and helps safeguard your account.
5. Tap Next.
6. Confirm the email address and tap Save or Done.
See video here [https://youtube.com/finnova]

However, some common services include checking account balances, transferring funds, paying bills, getting account statements and airtime purchases. Other services includes deals & discounts, buy insurance, lifestyle, contact customer care and fin-advisor chatbot.

Absolutely yes! You will have access to all menu except the banking menu.

You can make an airtime purchase of any amount, no limit

The QR code feature allows you to make or receive payment from anyone without the need to share your account details. It gives you the added security of not having to share your account details and payment is instantly completed You can follow the steps below to make a payment using QR Code
Chat the Finnova bot on whatsApp by selecting Bank menu > QR Payment.
Enter payment details or description, Amount and send to payer WhatsApp.

The Generate payment like feature allows you to make or receive payment from anyone without the need to share your account details. It gives you the added security of not having to share your account details and payment is instantly completed You can follow the steps below to make a payment using Generate Payment link You can follow the steps below to make a payment using QR Code
Chat the Finnova bot on whatsApp by selecting Bank menu Generate Payment Link
Enter payment details or description, Amount and send to payer WhatsApp.

We charge 1% of payment received. Eg: if your Payer pays N1000, you will receive N990

Yes you require an internet enabled phone and internet connectivity.

You can check your balance by simply clicking on the “check balance” option

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The only number to chat with Quidbot on whatsapp is +2349020000004. Please report any number different from this.

You can report loss of phone immediately by Saving +2349020000004 on any smart phone that has WhatsApp, go to Suspend my account