Questions and answers

Oremi is a personal money companion that lives in WhatsApp and Telegram. You send, save, swap and spend naira, rand and crypto just by chatting, the way you would message a friend.

The name comes from the Yoruba Ọ̀rẹ́ mi, which means “my friend”. That is what we want to be: your friend, your financial companion. Oremi is a product of Trade Here.

Oremi means “my friend” in Yoruba. It joins Ọ̀rẹ́ (friend) and mi (my).

Anyone in Nigeria or South Africa who wants to handle money without learning a new banking app: paying family, saving in an ajo circle, cashing out crypto, paying bills, or getting data for a trip abroad.

No. Oremi is a money app. Your personal naira account number is issued by our licensed banking partner, and your money moves through regulated payment partners in Nigeria and South Africa.

No. Oremi works inside WhatsApp (+27 50 037 3580) and Telegram (@OremiAIBot). If you like having everything at a glance, there is also an Android app and an iPhone web app.

Send “hi” to Oremi on WhatsApp (+27 50 037 3580) or Telegram (@OremiAIBot). Oremi sets up your wallet in a few messages and asks you to choose a 4 digit PIN.

Type deposit or fund in the chat. Oremi gives you a permanent account number in your name. Any naira transfer to it lands in your wallet automatically. To hold rand, swap from naira or sell crypto for rand in the chat.

Yes. You can hold rand, swap between rand and naira, and cash out to South African banks such as Capitec, FNB, Standard Bank, ABSA and Nedbank, or to a mobile e-wallet.

Just say it: send 5k to mum, pay @username 2000, or send 10k to GTBank 0123456789. Oremi shows you the details, checks the account name, and sends once you confirm with your PIN or Face ID.

Most naira payouts arrive within minutes. Rand payouts are sent by our payments team, and Oremi messages you the moment yours goes out. Either way you get a PDF receipt.

• Bank payouts in Nigeria: ₦100 flat. Minimum ₦500.
• Bank and e-wallet payouts in South Africa: R20 flat. Minimum R100.
• Swaps and crypto: the rate and Oremi’s fee are shown before you confirm.

You always see the full cost before anything is sent.

Limits grow as you verify:

• Starter: ₦50,000 per transfer, ₦100,000 a day.
• Verified email: ₦200,000 per transfer, ₦500,000 a day.
• ID verified (BVN or NIN): ₦2,000,000 per transfer, ₦5,000,000 a day.

Add your email first, then verify with your BVN or NIN in the chat. The bank texts a code to the phone number on your BVN or NIN; enter it and you are verified in about a minute.

An ajo circle is a rotating savings group. Everyone puts in the same amount each round, and one person collects the whole pot each time until everyone has had a turn. Oremi collects the money, keeps the order and pays out on time. The organiser can add a small fee.

A money pool collects contributions toward one goal, like a gift, a trip or an event. Everyone can see the total, and the organiser decides what happens to it.

USDT and USDC, plus Ethereum and compatible networks (Base, Polygon, BNB Chain), Solana, Bitcoin, Tron and XRP. You can receive, send, swap, and cash out to naira or rand.

Yes. Once your identity is verified, you can buy USDT or USDC straight from your naira or rand balance.

You do. Your wallet is locked with your PIN or protected by Face ID on your phone, and nothing moves without your approval.

A travel eSIM gives you mobile data abroad without a physical SIM. Tell Oremi where you are going, pick a plan for one of over 190 countries, and pay in naira or rand. Your QR code and iPhone setup link arrive in the chat, and the eSIM ends when your plan does. It is ideal for travellers, students abroad and tourists. See popular destinations.

Yes. Airtime, data, prepaid electricity and cable TV, paid straight from your balance.

Every payment needs your PIN or Face ID. We check the account name before money leaves, screen against sanctions lists, and apply daily limits so a stolen phone can’t empty your wallet.

Send forgot pin in the chat. You will get a 6 digit code by email, WhatsApp or SMS; once it checks out, you choose a new 4 digit PIN.

Message us any time, day or night, on WhatsApp (+27 50 037 3580) or email support@0remi.com. You can also use our contact page.