Bill payments
Bill payments for airtime, data, electricity and cable TV, done in one reply.
Currently in Beta
Your money, handled. Right inside
Eleven is an AI personal finance agent that tracks your spending, warns you before bills hit, pays them, and saves what's left. Just chat on WhatsApp, Telegram or iMessage.
Free during the beta · First 100 users in Lagos
Eleven ✓
online
Today
Morning Ugo 👋 Salary of ₦450,000 just landed.08:02
DSTV (₦15,700) and NEPA (₦20,000) are due this week. Pay both now?08:02
Yes08:05
Done ✅ Both paid. ₦38,000 is safe to save. Move it to savings?08:05
Save it08:06
Saved 🐷 You're 62% to your rent goal.08:06
- Bills paid on timeDSTV and NEPA, paid in one reply
- Spending trackedWhere it went, in plain words
- Auto-save what's left₦38,000 moved to savings
- Cancel subscriptionsFreeze a card, stop the renewal
- No new appIt lives in WhatsApp, Telegram or iMessage.
- Every bank, one viewAll your accounts in one chat.
- You approve every nairaNothing moves without your yes.
How it works
Three steps. Then you just reply "yes".
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Say hi in your chat app
Message Eleven on WhatsApp, Telegram or iMessage, then verify your identity (BVN) in a secure form.
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Get your account number
Get your Eleven account number and route your salary, or top up from any bank.
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Let Eleven handle it
Eleven tracks, nudges, pays bills and saves. You just reply "yes".
Features
Everything your money needs, in one chat.
This is agentic finance: an AI that doesn't just advise, it acts. Budgeting, expense tracking, bill payments, subscriptions and savings, all handled with your yes.
Before-it-hits nudges
A heads-up days before a bill is due or one of your subscriptions renews.
Spending insights
Automatic expense tracking: where your money went this week, in plain words.
Smart saving
Spots what's safe to save after bills and moves it into an interest-earning savings wallet.
Subscription control
One-tap virtual cards per merchant for your subscriptions. Freeze a card to stop a renewal.
Every bank, one view
See spending across your other bank accounts too, so your budgeting covers every naira.
Just ask
It talks like a friend, not a bank.
Ask in plain words. Eleven answers in plain words, then offers one thing you can do about it.
- "How much did I spend on food?"
- "What's due this week?"
- "Save ₦10k"
Eleven ✓
online
Sunday
How much did I spend on food this week?19:18
₦23,400 across 9 orders. That's ₦6k more than last week. Want a ₦20k weekly food limit?19:18
Yes19:19
Done. I'll nudge you at 80%.19:19
Security & trust
Your money, locked down.
- PINs are entered in a secure form, never in chat, on WhatsApp, Telegram or iMessage.
- Accounts are held with CBN-licensed partner banks.
- One-time codes for new recipients and large transfers.
- Bank-grade encryption. We never sell your data.
- Eleven never moves money without your approval.
Eleven · Secure formEncrypted
Approve payment to DSTV
₦15,700
•••
Approve
Your PIN never appears in the chat.
Is Eleven a bank?
No. Eleven is a financial technology company. Accounts and payments are provided through licensed banking partners.
Do I need to download an app?
No. Eleven works entirely inside WhatsApp, Telegram or iMessage.
How much does it cost?
Free during the beta. We'll announce plans before the beta ends.
Which banks work with Eleven?
You can top up or route your salary from any Nigerian bank.
Is my money safe?
Your funds are held by licensed partner banks, and nothing moves without your approval.
When can I join?
The beta opens in November 2026 for the first 100 users in Lagos. Join the waitlist to get in.
What is agentic finance?
Agentic finance means an AI agent that takes real actions on your money with your approval (paying bills, cancelling subscriptions, moving savings) instead of only giving advice. Eleven is an agentic personal finance service built for Nigerians.
Is Eleven a personal finance app?
Yes, but there's no app to download. Eleven is an AI personal finance agent that lives in WhatsApp, Telegram and iMessage. It tracks spending, warns you before bills hit, pays them and saves what's left.