Group money and everyday payments without thechase.
Collect with your group, then send, request, pay bills and schedule what comes next. One wallet, one timeline, no chasing.
311 on waitlist
Q1 2027
What you can do with kolect
- Send to any bank
- Get paid with your kolect tag
- Estate levies
- Airtime and data
- Ajo savings
- Electricity bills
- Birthday trips
- Cable TV
- Rent collection
- Scheduled transfers
- Office bills
- Loan repayments
- Church dues
- Money requests
The group part is still the heart of it.
An estate levy, a trip with friends, a savings club that has to stay honest. Three ways to collect, all of them transparent to everyone paying in.
For estate & community levies
Admins collect maintenance fees and levies without the back-and-forth. Residents see exactly what’s owed, pay in seconds, and never get blamed for payments that actually went through.
- Automatic monthly billing cycles
- Members see their balance and payment proof
- Reminders sent before and after deadlines
- Full payment history for everyone
Lekki Phase 1 Estate
₦15,000/month
Most money doesn’t move in a group. Now it lives here too.
Top up data, settle with a friend, keep the lights on. You are not leaving kolect to do any of it.
Ikeja Electric
Token sent · receipt saved
₦18,200
MTN data · 30GB
Scheduled · repeats monthly
DStv Compact
Paid · 4 Sept
₦19,000
Five bill categories, paid from your wallet
Pick the product, confirm the details, keep the receipt. Providers available are shown in the app at the time you pay.
More on bill paymentsSending to
Zainab Adeleke
GTBank · 0148 22 9071
₦12,000
Fee ₦26 · arrives instantly
Send to a bank, or to a kolect user
Confirm the recipient name and amount, authorise with your PIN. Transfers between kolect users land instantly.
More on the walletChidera O.
PaidBirthday pool · ₦8,400
Tunde A.
PendingOffice lunch · ₦4,750
Request what you are owed
Send a request that carries the amount and the reason. Both sides can follow it, so nobody has to ask twice.
More on requestsThe better way.
What changes when the group runs on kolect instead of a chat and a notebook.
- Everyone sees who has paid, in real timeGuessing who paid via bank alerts
- One link to join and paySending account numbers in group chats
- Reminders go out automaticallyNobody responds to payment reminders
- Full history for admins and membersZero payment history or records
- An Ajo rotation everyone can verifyArguments about Ajo rotation order
Built from what testers told us.
A few hundred people used the first version in a closed test. This is what kept coming back.
kolect closed test
Nneka Estate admin · VGC The collection worked. Then I still had to open my bank app to actually pay.
Ugo Ajo coordinator · Festac businessmen's group Where does the money sit between collecting it and spending it?
Tunde Split a trip budget with friends Why is this only for groups? Most of my money isn’t.
kolect
Heard you. We built a wallet, bill payments and schedules, right next to your groups.
Questions, answered.
Everything you need to know about kolect.
What is kolect?
kolect brings group collections and everyday money movement into one app: shared bills, bill splits, Ajo, debt tracking, a wallet, transfers, money requests, bill payments and schedules.
What changed after closed testing?
The first kolect helped groups collect. Early testers asked for a clearer way to manage all the money around those groups too. So we built the wallet, transfers, requests, bill payments and schedules into one connected experience.
When is kolect going live?
We are planning our public launch for Q1 2027. Join the waitlist to get launch updates and hear when access opens.
Can I use kolect without creating a group?
Yes. The wallet, transfers, money requests, bill payments and schedules all work on their own. You can create or join a group whenever you need to collect with other people.
What can I do with my kolect wallet?
Hold a balance, send money, make payments, and review your transaction history and receipts. Wallet activation includes identity verification and a transaction PIN. Group wallets add contribution records, payout controls and statements.
Can I send money to a bank, or request money from someone?
Yes. You can send to other kolect users and to Nigerian bank accounts. You can also send a money request to another kolect user and follow incoming and outgoing requests in the app.
Which bills can I pay?
Airtime, data, electricity, cable TV and education payments. The providers and products available are shown in the app at the time you pay.
Can I schedule payments?
Yes. Set up scheduled transfers and supported bill payments with reminders, or auto-pay where available. Your schedule also brings group obligations and personal debts into the same view. Auto-pay needs sufficient funds and is still subject to payment processing.
What types of groups can I create?
Three: Shared Bills for recurring costs like rent or estate levies, Bill Split for one-time collections like trips or gifts, and Ajo for rotating savings clubs with an automated rotation schedule.
Can I still track personal loans?
Yes. The Debt Tracker handles 1-to-1 loans with three repayment strategies: fixed Instalments, Lump Sum, or Flexible. Interest can be added as a flat amount or a percentage, and every payment is logged. Debt tracking records an agreement between two people; it does not mean kolect lends you money.
What checks are needed to use a wallet?
Wallet activation includes identity verification, and a transaction PIN authorises wallet actions. Follow the verification steps shown in the app, and never share your PIN or any verification code.
Is my money safe?
Balances are held with a licensed banking partner, not on a spreadsheet. Every wallet action needs your transaction PIN, and every transfer shows you the recipient and amount before you confirm. Each movement leaves a receipt and a status you can check later.
What happens to a group's money?
A group has its own wallet, separate from your personal one, so contributions do not sit in an organiser's personal account. Members can see contribution records, and payouts follow the group's rules rather than one person's say-so.
What are the fees?
Fees depend on the payment type. The amount and any applicable fee are shown in the payment review before you confirm. We will share full launch pricing as public access approaches.
Where will kolect launch?
We are starting in Nigeria, with payments in Naira (NGN). Join the waitlist for availability updates.
What if I need help?
Reach us at hello@getkolect.com for product questions, launch information or support.
311 people already saved a spot. Grab yours before launch.