Send, receive, and spend across West Africa and beyond — verified by your identity, settled over mobile money, cards, and bank rails. No passwords. No branches.
From a quick QR transfer to cross-border remittance, BWA brings your local rails and global rails into a single, modern app.
Instant transfers to anyone by QR, phone number, or payment link.
Send across borders with transparent rates and mobile-money payout.
Recharge airtime and settle utilities in a few taps.
A card is issued the moment you're verified — spend online anywhere.
Account and routing numbers for direct deposit; cash out to any wallet.
Buy gift cards and access small loans, right from your balance.
West Africa or North America — we route you to the right check.
Smile ID checks your BVN, NIN or Ghana Card; Persona handles North America.
Your wallet, debit card and rails are provisioned automatically.
Send, spend, top up and cash out — across the platform or out of it.
Identity verification, device checks, and end-to-end encryption keep your money and data safe — without slowing you down.
KYC built into sign-up via Persona & Smile ID — no shared passwords to steal.
Transaction PIN and 2FA on every sensitive action.
Inactive sessions sign out automatically and re-verify on return.
Your data is encrypted in transit and at rest.
Open a Bank of West Africa account in under a minute — no branch visit, no paperwork.