Multiple Banks, Zero Visibility
The average Nigerian has accounts across 3-5 banks with no unified view of their actual financial health.
217M+ Nigerians
AI-Powered · Nigerian Banks · Coming Soon
Your money, finallyin your control.
Connect every Nigerian bank account. Track every naira. Save automatically. Pay bills without leaving the app. All powered by AI that actually understands you.
The Problem
Nigerians are financially active, but financially blind.
No Localised Guidance
Global finance apps don't understand naira inflation, bank charges, or Nigerian spending patterns.
<4% use any PFM tool
Silent Financial Leakage
Without clarity, money disappears: on charges, duplicate subscriptions, things you forgot about.
₦Billions lost monthly
Saving Without a System
Wanting to save isn't a plan. Without automation, most save by mood, not by method, and the goal never moves.
Saving by chance, not by plan
How Klario Helps
One app. Every account. Full clarity.
Unified Dashboard
All your banks. One screen.
Connect every Nigerian bank account and see your real net worth, spending, and balances. Live.
Net WorthLive
₦847,320
▲ ₦12,400 (+1.5%) this week
Accounts4 connected
- GTBank•••• 4521₦234,820
- Access•••• 8910₦412,500
- Zenith•••• 2334₦142,000
- UBA•••• 7782₦58,000
Spent this month₦142,580 / ₦200,000
Food₦46.2kTransport₦24.8kBills₦21.4kOther₦50.2k
KlarioAI
Your AI financial advisor.
Ask anything. "How much did I spend on food?" "Can I afford this?" Get real answers, not generic tips.
How much did I spend on food this week?
KlarioAI₦12,400 across 6 transactions. ₦2,600 under your weekly food budget.
Can I afford ₦80,000 for a flight to Lagos?
KlarioAIYes. You'd still hit your savings goal by month-end.
Debt Management
Get on top of every debt.
See what you owe across every lender in one place, and let KlarioAI map out a repayment plan you can actually keep.
Goal
Lagos Trip 2026
₦450,000/ ₦1,000,000
45% completeAuto-saving ₦25,000 weekly
Real bank account opened in your name. CBN compliant.
Bill Payments
Airtime. Data. Electricity. One tap.
Pay every bill without leaving Klario. No redirects, no third-party screens. Just done.
Airtime
₦5,000
Data
₦8,500
Power
₦12,000
DStv
₦6,800
All bills paid this month. Zero redirects.
Financial Manager
A real human in your corner.
Financial Executive users get a dedicated human financial manager. Monthly calls. Personal plan.
TA
Your Manager
Tunde Adesanya
CFA · 9 years experience
Next call
Tue, Mar 11 at 10:00 WAT
Monthly strategy call. Quarterly plan refresh.
Klario Anchor Club
Build with us · not for us.
The Anchor Club is a hands-on community for people who want to actually build something. Get real product experience, mentorship, first access to the Klario beta, and merch — alongside a network of students and builders growing together.
Join the founding cohort
We select a small group of students and builders to grow together — learn practical skills, grow your portfolio, and help shape Klario from the inside.
Join the Anchor ClubGet Started
Three steps to financial clarity.
01
Download Klario
Available on iOS and Android. Takes 60 seconds to install.
02
Connect Your Banks
Securely link all your Nigerian bank accounts. Your credentials never touch our servers.
03
Get Clarity
Klario analyses your finances and gives you a complete picture, instantly.
Bank-Grade Security
Your data is safer here than anywhere else.
We are obsessed with security. Not because we have to be, because your financial data deserves nothing less.
Layered Account Security
A transaction PIN approves every payment, optional Face ID speeds up sign-in, and a fresh-device identity check confirms it's really you.
256-bit AES Encryption
Every piece of your data, encrypted end to end, at rest and in transit. Always.
BVN Verification
Every user verified against their Bank Verification Number. Zero fake accounts.
Zero Knowledge Storage
Your bank credentials never touch Klario's servers. We read data, we never store passwords.
HMAC-SHA512 Webhooks
Every payment callback cryptographically verified before a single naira moves.
Row-Level Security
Database rules ensure no user can ever access another user's data. Architecturally impossible.
Simple Pricing
Start free. Upgrade when you're ready.
Free
A first taste of clarity.
₦0/month
Free, forever.
- Limited bank connections
- 5 KlarioAI queries / month
- Basic balance dashboard
- Budget alerts
Money Manager
For everyday active money management.
₦###/month
Pricing coming soon.
- Multiple bank connections
- 15 KlarioAI queries / day
- Automated budget engine
- 4-tier debt risk scoring
- In-app bill payments
- Transaction export (PDF / CSV)
- Bank-integrated savings goals
- Push notifications
Financial Executive
A real human financial manager in your corner.
₦###/month
Pricing coming soon.
- 10 bank connections
- 30 KlarioAI queries / day
- Everything in Money Manager
- Dedicated human financial manager
- Monthly 1-on-1 strategy call
- Personalised financial plan (quarterly)
- Investment partner referrals
- Priority support (2hr response)
Frequently Asked
Questions, answered.
Klario is an AI-powered personal finance app for Nigerians. It connects all your bank accounts in one place, tracks your spending with AI, automates savings, and lets you pay bills without leaving the app.
Take control of your money.Download Klario.
Join thousands of Nigerians already on the waitlist.
Contact
Questions, partnerships, or just hello.
Press, partnerships, support. Drop us a line and we'll get back within two business days.
Or email us directlyhello@klario.finance
Want to build with us? Join the Anchor Club. For everything else, this is the place.