# Owoche – Send Money, Pay Bills — Send, Pay, Earn & Protect > Send, Pay, Earn & Protect (iPhone/iPad app by Transingenium Innovations Ltd.) - Source: https://appshunter.io/ios/app/owoche-send-money-pay-bills/id6751147671 (this page in markdown: same URL + `.md`) - Developer: [Transingenium Innovations Ltd](https://appshunter.io/developer/1833672698) - Category: Finance, Business - Price: Free - Age rating: 12+ - Requires: iOS 15.1 · 64 MB - Languages: American English - Released: 2026-07-13 - Data updated: 2026-08-16 - User reviews in markdown: https://appshunter.io/ios/app/owoche-send-money-pay-bills/id6751147671/reviews.md ## What is Owoche? Money has moments. A birthday remembered. A parent saying, "I'm here." A friend helping when times are tough. A family sleeping peacefully because their money is protected. That's the Owoche way. Owoche isn't trying to win by being cheaper or faster. It's trying to win by being more human. Built around people first and payments second, Owoche lets you send money, pay bills, scan to pay, celebrate life's moments, earn rewards and protect what matters—all from one beautifully simple app. SEND MONEY LIKE IT'S NOTHING Send money using a 10-digit Pay Code or directly to any Nigerian bank. Enjoy free Owoche-to-Owoche transfers, lightning-fast bank transfers, virtual accounts and secure transaction history. Because behind every transfer is a person. EVERY BILL IN NIGERIA, IN YOUR POCKET Buy airtime and data on MTN, Airtel, Glo and 9mobile. Pay electricity (IKEDC, EKEDC, AEDC and more), DStv, GOtv, StarTimes, internet and other everyday bills while earning cashback and rewards. Because everyday money should work harder for you. OWOCHE PAY — SCAN. TAP. DONE. Generate your own QR, scan another, pay merchants and receive payments with a fast, simple and secure experience. PANIC PIN — PROTECT WHAT MATTERS Money should never become another thing to fear. Panic PIN is Owoche's intelligent emergency protection mode. If you're ever forced to unlock your wallet, your Panic PIN opens a limited decoy wallet while silently notifying your emergency contact and alerting our compliance systems. They see only what you choose to show. You keep what matters protected. SMARTAZA — MONEY THAT FEELS LIKE A GIFT Some moments deserve more than a bank transfer. Birthdays. Weddings. Graduations. Thank you. I'm sorry. I wish I could be there. SmartAza lets you wrap real money inside beautiful digital gifts using secure codes, QR codes and optional OTP verification—because sometimes how money arrives matters just as much as the money itself. PLAY. EARN. SMILE. Enjoy daily streaks, scratch cards, quizzes, Spin & Win and five exciting reward tiers. Redeem points for airtime, data, TV subscriptions and more. Because loyalty should actually reward you. OWOCHE FLEX A fun privacy feature that lets you temporarily display a cosmetic wallet balance while your real balance remains secure and untouched. BANKING SHOULD SOUND LIKE HOME Use Owoche in English, Hausa, Yorùbá, Igbo and Nigerian Pidgin. Switch anytime. Because everyone deserves to manage money in the language they think, speak and dream in. SECURITY YOU CAN ACTUALLY FEEL Owoche is built with SSL pinning, Cloudflare protection, bcrypt PIN hashing, device fingerprinting, OTP verification, CBN-aligned KYC and NDPR-compliant data handling. Because trust isn't something we ask for—it's something we earn. WHY PEOPLE CHOOSE OWOCHE • Send money instantly • Pay bills in seconds • QR payments • Earn cashback & rewards • SmartAza digital gifting • Panic PIN emergency protection • Multiple Nigerian languages • Fast, secure and beautifully simple. Protect what matters. Celebrate every moment. Built for home. That's the Owoche way. Free to download. Free to receive money. Free Owoche-to-Owoche transfers. A product of TransIngenium Innovations Limited. Made in Nigeria. Built for Nigerians. Support: support@owoche.online WhatsApp: +234 907 709 6560 ## Version history (last 3 releases) ### 1.0.9 — 2026-08-10 Owoche is the easy way to move real money in Nigeria — and now it remembers the moments that matter. Owoche Moments (NEW) Save the days you care about — birthdays, anniversaries, a new baby, a first salary, or someone you're remembering. On the day, Owoche reminds you with a warm, personal note, and you can send money to a loved one in one tap, right from your wallet. They receive real cash and withdraw it to their bank. Grief moments always stay money-free — remembrance first. New ways to send money (SmartAza) Scheduled transfers — set it once and Owoche sends cash to someone on your schedule (weekly, monthly, however you choose). It works even if they don't use Owoche — they get a secure link and withdraw to any Nigerian bank. For businesses — send money to your staff and customers in bulk, add your logo to the transfer, or run a cash-reward campaign with a shareable link or QR. It's real money from your Owoche balance, withdrawable to a bank. Easier than ever Sending money, scheduling a transfer, and business payouts now use simple, step-by-step screens — a few taps, no long forms. A birthday cashback On your birthday, we add a little cash bonus to your wallet with a personal note. Also in this update: Pick recipients straight from your contacts Fresh seasonal splash screens More reliable electricity tokens and bill payments Instant "on its way" alerts for bank transfers Honest game rewards + a new leaderboard history Faster performance, dark-mode polish, and many small fixes Thank you for moving your moments with us. Questions? support@owoche.online ### 1.0.5 — 2026-07-22 We've made Owoche smoother, clearer, and more reliable: - Notifications you won't miss — your unread alerts now appear as a badge on the app icon, plus a new in-app guide to fix delayed or missing notifications. - Stay signed in — fixed an issue where Owoche could send some iPhone users back to phone-number login (after the app was closed, cleared from memory, or the next day) and ask them to re-verify their device. Your session now holds — just your PIN to get back in. - Faster sending — browse your recent recipients on a full screen with search, without having to type an account number first. You can now clear a selected bank anytime, and picking a bank is easier. - Smarter bank detection — fewer wrong-bank matches when you enter an account number. - Cleaner receipts — recipient bank names now show clearly, and receipts carry our new line: "Money has Moments." - Fixed the Send screen occasionally showing a previous transaction's success page when you returned to it. - Various stability and performance improvements. Thanks for using Owoche. Money has Moments — Protect. Celebrate. Live. ### 1.0 — 2026-07-13 No release notes. ## More apps by Transingenium Innovations Ltd - [Kibam Ke Banin](https://appshunter.io/ios/app/kibam-ke-banin/id6760018722) - [Tixzy - Easy Tickets](https://appshunter.io/ios/app/tixzy-easy-tickets/id6764611955) - [Carzs: Buy & Sell Cars](https://appshunter.io/ios/app/carzs-buy-and-sell-cars/id6764634928) All apps by Transingenium Innovations Ltd: https://appshunter.io/developer/1833672698 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-16.*