ChitChat: Because Money Talks

Union FiftyFour Limited

About this app

ChitChat is an app that combines messaging with global payments so you can chat, send, and spend from anywhere in the world.

💳 ChitChat USD Physical Debit Card
Use your card online, in-store, or at any ATM that accepts Mastercard, with no foreign exchange fees. We convert your spending at the Mastercard exchange rate, always settling at the best rate for you. It’s global, contactless, and cost-effective.

💬 Send Money Like a Message
Whether you’re catching up with friends or supporting family abroad, you can move money instantly from within any chat.

With our built-in USD Wallet, you can:
• Transfer funds to bank accounts and mobile wallets;
• Pay online using secure virtual cards;
• Manage subscriptions effortlessly;
• Benefit from competitive exchange rates.

🌍 From anywhere in the world, you can use your ChitChat Wallet to send money to banks, cash or mobile wallets in Canada (CAD), Ghana (GHS), Japan (JPY), Malaysia (MYR), Rwanda (RWF), South Africa (ZAR), Tanzania (TZS), United Kingdom (GBP), United States of America (USD), Zambia (ZMW) and Zimbabwe (USD)

👥 Group & Joint Wallets
Create a Group Wallet to pool funds with friends, family, or community members: ideal for saving toward shared goals like travel, events, or household projects. Everyone contributes, sees the balance, and helps decide how to spend it.

👥 Set up a Joint Wallet with a partner or teammate to manage shared expenses like bills, trips, or business costs. Both users can access funds, track activity, and spend via linked ChitChat Debit Cards or transfers.

ChitChat brings your conversations and your financial life together in one smart platform.

Ratings and reviews

The old version was much better than this new one. My virtual card keeps getting deactivated whenever there’s insufficient balance, and I have to renew it again — it feels frustrating and almost like a scam. Also, the $5 monthly subscription fee is too high. Please review this pricing and payment system; otherwise, many users might stop using your service.

the previous version was surely better according to me, and when y'all changed the app, my little money that was still their was frozen, now logging in to this new one, nothing is moving forward and no balance from my previous account. trust me when I say this, your app was of much help until y'all started making changes we don't even understand

This app has been updated and is fully functional, just like the old Zazu. I can now make payments online and buy whatever I want, whenever I want. Thanks to the developer! Please don't remove the mobile option, as many of us rely on it. I give it five stars! 🌟🌟🌟🌟🌟

What’s new

Introducing Savings Pockets, a simple and motivating way to build towards your financial goals. Your everyday card purchases now help you save effortlessly, and flexible round-up multipliers make it easier to reach your targets faster. With more accurate rounding to the nearest cent, growing your savings feels smoother and more intentional than ever.