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Chat, Call & Pay Securely

Simple, encrypted messaging, calling, and instant payments โ€“ all in one app. Currently beta testing in Zambia before an Africa wide roll-out.

Try ChitChat - Because Money Talks

Chat, Call & Pay Securely

Simple, encrypted messaging, calling, and instant payments โ€“ all in one app. Currently beta testing in Zambia before an Africa wide roll-out.

Try ChitChat - Because Money Talks

Connect, Share & Transact Freely

Connect, Share & Transact Freely

Chat, Share, Spark: Every Conversation, an Opportunity.

Chat, Share, Spark: Every Conversation, an Opportunity.

More Than Just Conversations

More Than Just Conversations

Talk to your loved ones, make a call, or send money with just a tap. In our ever-evolving digital world, staying connected has never been easier. Use ChitChat to share more than moments.

But we're not stopping there. We're setting the stage for the future. As we grow and adapt, we're making space for businesses too. Imagine making a reservation, booking a service, or purchasing directly from your favorite brands, all while chatting. We're not just transforming how you chat; we're turning every conversation into a world of opportunities.

Talk to your loved ones, make a call, or send money with just a tap. In our ever-evolving digital world, staying connected has never been easier. Use ChitChat to share more than moments.

But we're not stopping there. We're setting the stage for the future. As we grow and adapt, we're making space for businesses too. Imagine making a reservation, booking a service, or purchasing directly from your favorite brands, all while chatting. We're not just transforming how you chat; we're turning every conversation into a world of opportunities.

Gather Around Topics or Friendships

Gather Around Topics or Friendships

Start group chats effortlessly, whether it's for catching up with old friends, planning an event, or discussing your favorite topics. Our intuitive design and features make it easy to build, manage, and nurture your communities. Stay connected, stay engaged.

Start group chats effortlessly, whether it's for catching up with old friends, planning an event, or discussing your favorite topics. Our intuitive design and features make it easy to build, manage, and nurture your communities. Stay connected, stay engaged.

Send Payments & Receive Payments instantly

Send Payments & Receive Payments instantly

Experience the ease of instant payments right within your chats. Whether you're splitting a bill, sending a gift, or settling a debt, just tap and transfer. Use a chat or a username, and the funds flow swiftly and securely.

Experience the ease of instant payments right within your chats. Whether you're splitting a bill, sending a gift, or settling a debt, just tap and transfer. Use a chat or a username, and the funds flow swiftly and securely.

End-to-End Encryption

End-to-End Encryption

Not even we can read or access your sensitive information

Not even we can read or access your sensitive information

Chat Securely. Chat Freely.

Chat Securely. Chat Freely.

All of your conversations are End-To-End Encrypted. That means that your conversations are yours and yours alone to read.

All of your conversations are End-To-End Encrypted. That means that your conversations are yours and yours alone to read.

Best Debit Card in Class

Best Debit Card in Class

ChitChat Debit card powered by Mastercard

ChitChat Debit card powered by Mastercard

Your ChitChat Debit Card: Flexibility in Your Wallet

Your ChitChat Debit Card: Flexibility in Your Wallet

Choose between a physical card for your in-store purchases or a virtual one for online shopping and digital services. It's more than just a card; it's a seamless extension of your ChitChat experience, ensuring you're always ready to transact, anytime, anywhere.

Choose between a physical card for your in-store purchases or a virtual one for online shopping and digital services. It's more than just a card; it's a seamless extension of your ChitChat experience, ensuring you're always ready to transact, anytime, anywhere.

A more secure Debit Card

A more secure Debit Card

๐Ÿ”’ Change Pin in-app: Forget the hassle of visiting a branch or an ATM. Adjust your card's PIN directly within the app for enhanced security and convenience.

๐Ÿ›ก 3DS Secure Enabled: Shop with confidence. Our cards come with 3DS Secure for an added layer of safety during online transactions.

๐ŸŒ Universal Acceptance: Your ChitChat card is welcome everywhere Mastercard is accepted, giving you a world of possibilities.

๐Ÿ“ฒ Dynamic CVV Change: Enhance your card's safety with the ability to modify its CVV directly in the app.

๐Ÿš€ Contactless Payments: For transactions below K1,000, enjoy the speed and convenience of contactless payments. Just tap and go, while ensuring your funds remain secure.


๐Ÿ”’ Change Pin in-app: Forget the hassle of visiting a branch or an ATM. Adjust your card's PIN directly within the app for enhanced security and convenience.

๐Ÿ›ก 3DS Secure Enabled: Shop with confidence. Our cards come with 3DS Secure for an added layer of safety during online transactions.

๐ŸŒ Universal Acceptance: Your ChitChat card is welcome everywhere Mastercard is accepted, giving you a world of possibilities.

๐Ÿ“ฒ Dynamic CVV Change: Enhance your card's safety with the ability to modify its CVV directly in the app.

๐Ÿš€ Contactless Payments: For transactions below K1,000, enjoy the speed and convenience of contactless payments. Just tap and go, while ensuring your funds remain secure.

Money Made Simple

๐Ÿ’น Smart Spending Analysis: Monitor your habits with a detailed breakdown of your expenses. See at a glance how much you've spent on categories like groceries, directly in the app.

๐Ÿค Dedicated Customer Support: Our responsive ChitChat team is always ready to assist, ensuring your questions are answered promptly.

๐Ÿ“ Multiple Account Creation: Organise your finances by creating specialised accounts within ChitChat e.g. Holidays, rent, or bills - you're in control.

๐Ÿ’ฐ Automatic Savings: Spend and save simultaneously! Every time you make a purchase, we'll round it up and save the change. Every little helps!

๐Ÿ“ฒ All-in-One Bill Payments: No more app-hopping. Directly buy prepaid products using ChitChat. Buy airtime, electricity, and subscriptions like Gotv, DStv, and Topstar directly in-app.

๐Ÿ’น Smart Spending Analysis: Monitor your habits with a detailed breakdown of your expenses. See at a glance how much you've spent on categories like groceries, directly in the app.

๐Ÿค Dedicated Customer Support: Our responsive ChitChat team is always ready to assist, ensuring your questions are answered promptly.

๐Ÿ“ Multiple Account Creation: Organise your finances by creating specialised accounts within ChitChat e.g. Holidays, rent, or bills - you're in control.

๐Ÿ’ฐ Automatic Savings: Spend and save simultaneously! Every time you make a purchase, we'll round it up and save the change. Every little helps!

๐Ÿ“ฒ All-in-One Bill Payments: No more app-hopping. Directly buy prepaid products using ChitChat. Buy airtime, electricity, and subscriptions like Gotv, DStv, and Topstar directly in-app.

Reimagining Group Chats & Payments

Reimagining Group Chats & Payments

Throughout history, communities have gathered in groups, whether for mutual support, celebrations, or financial collaboration. From pooling resources for a neighbor's baby shower to participating in a local savings group, the essence lies in unity and shared purpose. We're capturing this spirit, allowing you to form groups, chat, and manage payments with ease. Whether it's for a special occasion, shared expenses, or communal savings, our platform ensures you're always connected and transactions are a breeze. Every group, every reason, every payment โ€” streamlined and brought closer to you.

Throughout history, communities have gathered in groups, whether for mutual support, celebrations, or financial collaboration. From pooling resources for a neighbor's baby shower to participating in a local savings group, the essence lies in unity and shared purpose. We're capturing this spirit, allowing you to form groups, chat, and manage payments with ease. Whether it's for a special occasion, shared expenses, or communal savings, our platform ensures you're always connected and transactions are a breeze. Every group, every reason, every payment โ€” streamlined and brought closer to you.

Download ChitChat Now!

Download ChitChat Now!

Starting in Zambia, we are building ChitChat to be the most helpful money management app ever. From transparent pricing, delightful UX and game-changing products. Are you in?

Starting in Zambia, we are building ChitChat to be the most helpful money management app ever. From transparent pricing, delightful UX and game-changing products. Are you in?

The ChitChat Debit Card is issued by Union Fiftyfour Limited, pursuant to a licence by Mastercard Asia/Pacific Pte Ltd. Mastercard is a regulated trademark, and the circles design is a trademark of Mastercard Incorporated. Union Fiftyfour runs a Payment System Business, licenced by Bank of Zambia, licence number: 04/PSB/2018. If you use our ChitChat Wallet or ChitChat Debit Card, you are consenting to your money sitting and being protected within a ring-fenced Trust Account in Zambia, as per Bank of Zambia Directives and Guidelines. The content on our website and public materials is for informational purposes only and isn't an offer or invitation for our services. By accessing our platforms or requesting information, you confirm that you've done so without any prior prompting from us.

The Apple logo and Apple App Store are trademarks of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC. We are not affiliated with, endorsed by, or in any way officially connected with Apple Inc. or Google LLC. Any links to these platforms on our website are provided for the convenience of our users. Accessing and downloading any application or content from these platforms will be governed by their respective terms of service and privacy policies.

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