Data · Airtime · Bills · Loans

Buy data cheap.
Borrow with ease.

Mobile data at prices below every network's store — across MTN, Airtel, Glo and 9Mobile. Plus flexible overdraft loans with repayment that fits how you actually earn.

AO
IB
NK
EC

One secure account for everyday digital services

Your Koso dashboard
Simple, private and easy to use
K
Everything you need in one place
Buy. Pay. Track.
Fast delivery
Clear records
📶
Buy Data
📱
Airtime
Pay Bills
💳
Loans
Private account activity
Your transactions stay in your dashboard
Sign in to view personal records
What we offer

Built for everyday Nigerian needs

From data bundles to instant loans — one account, no queues, no paperwork.

📶

Mobile Data

Bundles for MTN, Airtel, Glo and 9Mobile at below-store prices. Delivered to any number within seconds of purchase.

Learn more →
📱

Airtime Top-up

Recharge any Nigerian number on any network instantly. Available round the clock with competitive rates for bulk buyers.

Learn more →

Utility Bills

Pay DSTV, EKEDC, IKEDC, PHCN and more without leaving your seat. Done in seconds with instant confirmation.

Learn more →
Affordable data

Plans for every major Nigerian network

Choose MTN, Airtel, Glo or 9Mobile after signing in. Current plan sizes and final prices are confirmed securely inside your account.

MTN
Flexible bundles
View after login
Airtel
Flexible bundles
View after login
Glo
Flexible bundles
View after login
9Mobile
Flexible bundles
View after login

Your final amount is always shown before purchase.

Koso Websites

Launch a clean business website without writing code.

Choose a unique business name, personalise your page and manage your online presence from a simple owner dashboard.

Create my website →Owner login
Monthly subscription
₦7,500 / month
A simple way to keep your business online and manage it from one place.
  • Branded business page
  • No-code page editor
  • Owner dashboard
  • Customer-ready experience
Learn more
Overdraft & Loans

Money when you need it, repaid your way

Life doesn't wait for payday. Get instant funds with repayment built around how you actually earn.

Instant approval

No paperwork, no office visits. Funds hit your wallet within minutes.

Flexible repayment

Choose daily, weekly or monthly. We build around your income cycle.

Transparent fees

The rate you see is what you pay. No hidden deductions, ever.

Growing credit limit

Repay on time and your limit increases automatically with every cycle.

Apply now
Account feature
Flexible access
Built around you
ApplicationInside your account
RepaymentClear before confirmation
RecordsPrivate dashboard
AvailabilitySubject to eligibility
Simple process

Up and running in minutes

No office. No long forms. No waiting. Just sign up and go.

Step 01

Create an account

Sign up with your email and phone number. Verification takes under 60 seconds.

Step 02

Fund your wallet

Add money via bank transfer, card, or USSD. No minimum balance required.

Step 03

Buy or borrow

Pick a data plan or apply for an overdraft loan. Delivery and disbursement are instant.

Step 04

Track everything

Your dashboard logs every purchase, repayment and top-up in real time.

Designed for everyday use

Simple outside. Useful inside.

Your wallet, purchases and account history are available only after you sign in.

Private dashboard
Personal records stay personal

You see the amount and service details before confirming any purchase.

Clear confirmation
Review before you pay

Koso AI and human support are available from your account whenever you need help.

Support when needed
One place to ask for help

Start saving on data today

Create your account in under a minute. No documents, no fees to join.