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Chitchat home page

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Chat. Pay. Swipe.

Send money instantly, hold USD, and use your ChitChat card online or in-store—anywhere in the world.

Try ChitChat
Try ChitChat
Try ChitChat
Try ChitChat
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PHYSICAL CARDS

Spend like a local, everywhere

Perfect for your transactions in the real-world when you need to swipe your card, pay contactlessly or even withdraw cash at the ATM. Use at millions of locations around the world.

USD physical debit card
 
 
 

ChitChat USD Virtual Card

ChitChat USD Virtual Cards can be used to shop online, from over 2 million merchants around the globe and they save you money on currency conversion fees.

ChitChat virtual cards are not linked to your bank account, which makes them perfect for your subscriptions and online spending.

Learn moreLearn more
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ChitChat Physical Debit Card

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Unrivaled Acceptance

ChitChat issues Mastercard. That means your ChitChat card can be used at millions of merchants around the world.

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Minimize Foreign Exchange Losses

Our wallets are denominated in US Dollars. That means your hard earned cash will be safe from local currency fluctuations.

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Stay In Control of Your Spending

All your transactions are detailed with the information you need to stay on top of your spending.

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Secure By Design

ChitChat uses best-in-class security to protect your transactions. You will always know what's happening with your card & when.

 
 
 

Group Chat & Group Wallets

Staying in touch with your community has never been easier. Whether its making plans in ChitChat Group Chats, or saving up for a group holiday with ChitChat Group Wallet. Create Group Wallets right inside Group Chats, to simplify money management amongst your group.

 
 
 
Group walletsGroup walletsGroup wallets
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Joint Wallets

You can open a Joint Wallet with your significant other - to make life's purchases, savings and splitting bills that much easier. If you have an Active ChitChat Wallet, you are already eligiile to access the Joint Wallet.

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Small Group Wallet

Create a Wallet with up to 99 people and pool funds together. Perfect for office groups, sports teams, upcoming birthday, wedding or any type of event.

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Large Group Wallet

Create a Wallet with up to 250 people and pool funds together. Perfect for saving groups and large fundraising efforts.

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Manage Money Transparently

Everyone in the group gets notified when money comes in or leaves the group. Admins can appoint Initiators and Approvers for each transaction. Manage money transparently & effortlessly.

 
 
 

Send Money Around The World

Send money around the world on your terms. Pay less in transfer fees and get more in local currency. ChitChat can be used to send money to 13 countries around the world. ChitChat can send to bank accounts, phone numbers (mobile wallets) and even to agents for cash collection.

When you send money around the world with ChitChat, you get the Mastercard Real Exchange Rate and what's more, you never pay hidden fees.

Calculate feesCalculate fees
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Affordable Pricing For Everyone 
With No Hidden Fees

Whether you are using the free version of ChitChat, or the Premium version, you are in good hands.

 
 
 
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BASIC Subscription

$0.00 monthly (free)

  • Chat
  • Wallet
  • Sending money abroad with a variety of competitive fees
Sending money to other ChitChat users$0.10
Topping up your ChitChat walletFree
Sending money to wallets, banks or cash agents% based
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PREMIUM Subscription

$2.00 monthly

  • Chat
  • Wallet
  • Virtual Card
  • Sending money abroad with a variety of competitive fees
Sending money to other ChitChat wallets$0.10
Topping up your ChitChat walletFree
Sending money to wallets, banks or cash agents% based
Virtual Card replacement fee$1.00
Declined transaction fee$1.00
hockey puck icon

BASIC Subscription

$0.00 monthly (free)

  • Chat
  • Wallet
  • Sending money abroad with a variety of competitive fees
Sending money to other ChitChat users$0.10
Topping up your ChitChat walletFree
Sending money to wallets, banks or cash agents% based
crown icon

PREMIUM Subscription

$2.00 monthly

  • Chat
  • Wallet
  • Virtual Card
  • Sending money abroad with a variety of competitive fees
Sending money to other ChitChat wallets$0.10
Topping up your ChitChat walletFree
Sending money to wallets, banks or cash agents% based
Virtual Card replacement fee$1.00
Declined transaction fee$1.00
 
 
 

Download ChitChat Now!

More than messaging: connect, send & receive USD, and shop with your ChitChat card.

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Chat notifications

Send money instantly—right inside your chats

ChitChat includes a built-in USD Wallet, so you can transfer money to your contacts directly in the conversation.

Get ChitChat Now
Get ChitChat Now
Get ChitChat Now
Get ChitChat Now
 
 
 
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Our HelpCenter

Read our FAQ
Read our FAQ

Contact Us:

+260978017054
help@onchitchat.com
 
 
 
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Villa n.6, Millennium Village, Birdcage walk, Lusaka, Zambia

Open Mon - Fri, from 8 to 17.

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    General Terms of ServiceWallet Terms and ConditionsCard Supplemental Terms and ConditionsPrivacy Notice

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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