Send money, save with your stokvel, pay bills, and shop essentials, right inside the WhatsApp you already use every day. No bank account needed.
No forms, no branches, no waiting. If you have WhatsApp, you have Kiota.
Message Kiota on WhatsApp. No app and no download, just the chat app you already have.
Confirm your phone number and ID number. That's it. Your Kiota account is created instantly.
Send money, top up airtime, join your group savings, or browse the marketplace. It all happens in the same chat.
No menus to learn and no apps to install. Just ask Kiota a question in your own words, right in WhatsApp, and it works.
One WhatsApp number. Everything from savings to shopping.
No branches. No forms. No waiting. Join with your phone number and ID. It only takes a few messages, in your language.
Send money home, receive payments, check your balance, and track every rand, all with a simple message.
Invite your neighbours, church members, or stokvel group. Every time someone you referred uses Kiota, you earn.
Buy airtime, electricity, groceries, and more. You can even sell your own goods to neighbours, all in the same WhatsApp chat.
Whether you run a stokvel, lead a burial society, sell at the market, or look after your church accounts, Kiota fits the way your community already works.
Illustrative examples of how people can use Kiota day to day.
Instead of cash in a tin, everyone can see the balance, contributions are tracked automatically, and payouts stay on schedule. That is the kind of thing Kiota is built for.
Even without a bank account, you can send money to family in the village, pay for electricity, and buy airtime, all from your phone. No queues and no branch visits.
Everything you need to know before you start.
We're rolling out community by community. Leave your details and we'll message you the moment Kiota goes live in your area.
Thanks! We'll be in touch as soon as Kiota goes live near you.
