Hizo is a fintech platform built for cross-border transactions in Africa.
For now, our services cater to Nigerians in Nigeria and the diaspora. Our vision, however, remains to make it easier for Africans to send money as well as spend their local currencies across Africa without the usual stress.
What makes Hizo different is simple.
We go beyond ordinary financial services, offering a solution that helps Nigerians (for now) send money to people in multiple African countries as well as spend their Naira across these countries with ease.
This means your money can move across borders without forcing you through the usual dollar conversion stress. Recipients get their money directly in their own local currency. This removes the middleman currency and makes cross-border payments simpler, faster, and more practical.
Even with the depth of this innovation, Hizo remains simple and affordable to use. This is what makes our service stand out.
Below is a clear guide to what Hizo offers and how you can become part of our growing community.
What Hizo Does
Hizo helps Africans solve one of the biggest payment problems in Africa: how to send money and spend across African countries with ease.
Our app supports two major services:
- Send money across borders
- Spend your local currency (Naira only, for now) across African countries
These two services give users a practical way to move money and make payments across Africa.
Our Services: Send and Spend Money
Hizo offers a dual-powered solution for your pan-African financial needs.
Spend your Local Currency Across African Countries
Hizo allows Nigerians (only, for now) to spend their Naira in supported African countries while the recipient receives the exact equivalent in their local currency.
It means that whether you are:
- a tourist in Kenya
- a business person in South Africa
- a student in Ghana
you can pay for goods and services in Naira while the person or business receiving the payment gets paid in their own local currency.
This makes travel, business, and everyday spending across Africa much easier.
Send Money From Nigeria to Other African Countries
Hizo also allows users to send money from Nigeria to over 20 African countries.
The process is simple and direct. The recipient does not need to worry about exchange rates or currency conversion. The money lands directly in their bank account or mobile money wallet in their country’s local currency, and it arrives almost instantly.
This makes Hizo one of the easiest ways to handle cross-border money transfers in Africa.
The Hizo Global Card
Hizo also offers the Hizo Global Card, a virtual practical solution for users who want wider payment access on major platforms.
The Hizo Global Card adds more flexibility to your payment experience. It gives users an easier way to make digital payments worldwide, beyond local transactions. Users can fund the card in their local currency and spend freely across major online platforms worldwide. It’s especially useful for people who want a convenient payment option they can manage directly from the Hizo app.
If you want a simple way to expand how you pay, the Hizo Global Card is a strong addition to your Hizo experience.
Downloading the Hizo App
Getting started is easy.
The Hizo app is available on both the Google Play Store and the Apple App Store. You can download the app and begin your journey in just a few steps. Click here to download.
How to Register on the Hizo App
Once you have downloaded the app, follow these simple steps to create your account:
- Open the app.
- Provide your phone number and email address.
- Click on Create Account to begin.
That is the first step into the Hizo community.
Verify Your Phone Number and Email
Security is a priority at Hizo.
After clicking Create Account, you will need to verify your phone number and email address using the unique code sent to you.
After that, set your 6-digit access code. This code serves as your password each time you log in, so make sure it’s secure and easy for you to remember.
Complete Your Identity Verification (KYC)
To comply with financial regulations and keep every account secure, Hizo requires users to complete the Know Your Customer (KYC) process.
To begin, click on Proceed to KYC.
Verification is divided into Level 1 and Level 2. Your daily transaction limit and maximum account balance will depend on the level of verification you complete and the details you provide.
The process takes only a few minutes.
Once your verification is complete, your account is ready to use.
Welcome to the community!
How to Fund Your Hizo Wallet
Hizo gives users multiple flexible ways to fund their wallet. You can fund with:
- Naira
- Stablecoins
- Internal tags
This makes it easier to choose the funding method that works best for you.
1. Fund With Bank Transfer
To fund your Hizo wallet with bank transfer:
- Click on Topup Wallet.
- Select the Bank Transfer option.
- Click Generate Account to get your unique Hizo account details.
- Transfer funds from your regular bank app into this account.
Your Hizo wallet will be credited instantly.
2. Fund With Stablecoins (USDT/USDC)
Hizo also allows users to fund their wallet with stablecoins.
To do this:
- Select Topup Wallet.
- Click the Stablecoins option.
- Click Generate Address.
- Choose your preferred coin, either USDT or USDC.
- Read the warnings carefully.
- Check the current rate, fee, and available networks.
- Copy the address and send the coins from your external stablecoin wallet.
Once the transfer is complete, the exact Naira value will be credited instantly to your Hizo wallet.
3. Fund or Send With Hizotag
Your Hizotag is a unique username assigned to you when you sign up.
You can use it to send and receive money instantly within the Hizo ecosystem.
To receive money:
- Share your Hizotag with another Hizo user.
To send money:
- Go to your profile.
- Click Spend with Hizotag.
- Enter the amount.
- Select the Hizo user by their tag.
- Proceed with the transaction.
This is one of the fastest ways to move funds between Hizo users.
Countries Hizo Supports
Hizo currently allows users to send money as well as spend their Naira directly in over 19 African countries.
This means no dollar middleman, no conversion worries, and no unnecessary stress.
Here are the countries Hizo supports at the moment:
- Benin
- Botswana
- Burkina Faso
- Cameroon
- Congo – Brazzaville
- Democratic Republic of Congo
- Gabon
- Ghana
- Ivory Coast
- Kenya
- Malawi
- Morocco
- Rwanda
- Senegal
- South Africa
- Tanzania
- Togo
- Uganda
- Zambia
This means your Naira no longer has to be a barrier to your intra-African travel, transactions, or spending.
You can fund your Hizo wallet and spend as you go.
How to Send Money or Spend Money on the Hizo App
Once your wallet is funded, sending money is easy.
Follow these steps:
- Tap Send Money on the home screen.
- Choose the destination country.
- Choose your preferred channel: Mobile Money or Bank.
- Input the amount and the recipient’s details.
- Review the transaction summary carefully.
- Tap Proceed.
- Enter your transaction PIN to complete the payment.
The recipient receives the funds directly and instantly in their country’s local currency.
This means you have successfully completed a Naira transaction across borders in Africa.
It’s that easy.
Why Hizo Stands Out
Hizo is more than a payment app.
It’s a bridge between one African country and the rest of Africa.
We provide:
- competitive rates
- high transaction limits
- multiple wallet funding options
- easy cross-border spending
- direct local currency transfer for recipients
These features empower users to trade, travel, support loved ones, and make payments across Africa without the stress of traditional banking methods.
Conclusion
Hizo is helping Africans enjoy a simpler way to handle cross-border payments in Africa.
Whether you want to send money from Nigeria to another African country, spend your Naira across borders, fund your wallet with stablecoins, or use the Hizo Global Card, Hizo gives you a practical and modern solution.
Our services are designed to remove friction, reduce stress, and make African payments easier for Africans at home and beyond.
Not sure how to get started? Contact our customer support for assistance at: [email protected]
