Grain connects every bank account you have, shows you where your money actually goes, and puts your idle cash to work. All from WhatsApp.
Supports all your banks:
+27 more banks
Cross-account visibility
Grain connects your GTBank, OPay, Kuda, Moniepoint, etc and shows you one combined view. Balances, spending, income. The full picture no single bank can give you.
Transactions
Transfers, airtime, data, bills. Type it in plain language, send a voice note, or screenshot an account number. Grain handles the rest.
Investment
Grain spots money sitting untouched and offers to invest it. One reply. Daily returns through a licensed microfinance bank at up to 18–22% p.a. Withdraw at maturity, or early with a 5% penalty. Minimum vest period of one month (TBC). Grain never holds your money.
Ask anything
How much did I spend on food? What's my balance across all accounts? Am I spending more than usual? Ask like you're messaging a friend. Grain answers from real data.
What Grain sees
Grain learns your patterns over time. Absolute clarity.
📊 Your week in money
You spent ₦67,400 this week across 3 accounts.
Your biggest single transaction was ₦15,000 at Shoprite Lekki.
Weekly or daily, Grain breaks down your past week/day. Where your money went, your biggest transaction, and how it all splits across categories. Across every single account.
⚠️ You've spent ₦94,200 on food this cycle. That's about 32% more than your usual ₦71,500.
Most of it went through OPay and GTBank.
Your top food spends: Shoprite (₦15,000), Chicken Republic (₦8,400), and two Bolt Food orders totalling ₦12,600.
When a spending category jumps above your own pattern, Grain flags it. No external benchmarks. Just you compared to you.
🎯 June Wrapped
Top categories
You spent 6% less than May. Share your Wrapped?
An end-of-month summary. Income, spending, top categories, and what your investments earned. Share it or keep it to yourself, your choice.
💡 You have ₦67,800 sitting in your OPay wallet. It hasn't moved in 23 days, and your next payday is in 4 days.
Want me to invest it?
At current money market rates (~19% p.a.), ₦67,800 would earn roughly ₦35/day.
That's about ₦1,050/month. Withdraw at maturity, or early with a 5% penalty.
Grain spots money sitting untouched in any of your accounts close to payday. Cash that's not doing anything could be earning returns.
Security
Grain is the interface, not the vault. Invested funds are held by a regulated, NDIC-insured financial institution. Grain never holds your money.
Bank connections through Mono are read-only. Grain reads balances and transaction history, nothing more.
Your BVN confirms you own the accounts you're linking. Grain doesn't store it after verification. Dial *5650# to confirm your BVN is yours before linking.
Every transfer, investment, or bill payment requires your personal PIN. No one, not even Grain, can execute a transaction without it.
Every connection between your phone, WhatsApp, and Grain's servers is secured with the same encryption standards banks use.
Transfers, airtime, investments, withdrawals. Every action gets a timestamped receipt delivered right to your WhatsApp.
FAQs
No. Grain runs entirely inside WhatsApp. If you have WhatsApp, you can use Grain.
Grain supports 30+ Nigerian financial institutions through Mono, including GTBank, Access, Zenith, UBA, First Bank, Kuda, OPay, Moniepoint, and more.
Grain's connection to your bank is read-only. It can see your balances and transactions but can never initiate withdrawals or move money out of your accounts. Transfers you make through Grain go directly from your bank to the recipient via Mono Direct Debit, and every single one requires your PIN.
Grain spots money sitting idle in your accounts and offers to invest it. Your funds earn daily returns at current money market rates (roughly 18-22% p.a.) through a CBN-licensed microfinance bank. Minimum investment is ₦2,000. Withdraw at maturity, or early with a 5% penalty. Minimum vest period of one month (still being finalised). Grain never holds your money.
With a CBN-licensed, NDIC-insured microfinance bank. Grain is the interface, not the vault. Your funds are held and regulated by the partner institution, not by Grain.
Say "withdraw 20k from my investment" in WhatsApp and Grain handles the rest. At maturity, funds return to your bank with no penalty. Withdraw before maturity and a 5% early withdrawal penalty applies. The minimum vest period is one month (still being finalised).
Grain reads transaction data from your linked bank accounts through Mono. It categorises transactions automatically and learns over time. If it gets a category wrong, you can correct it and Grain remembers.
Only if they have access to your phone. You can enable WhatsApp's biometric chat lock on your Grain conversation so it requires Face ID or fingerprint to open, even if your phone is already unlocked.
Your Grain account is tied to your WhatsApp number. No one can execute transactions without your PIN. Contact us and we'll freeze your account immediately.
Yes. You can send a voice note like "send 5k to Amara" and Grain will transcribe it and confirm the details before executing anything.
Your banking app shows you one account. Grain shows you all of them. It sees spending patterns across every bank you use, spots idle cash no single app can see, and lets you act on it without leaving WhatsApp. No bank does this.
Insights, investments, transfers, airtime, bills. All in one WhatsApp conversation.
