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

Very impressive, a master card with such options like this is definitely something I have been wanting to have all along, I can easily get to make transactions online with easily having to sign up for a MasterCard with chit chat by simply downloading the app, unlike having to pass through long waiting qeues when opening a bank account. Keep up the good work, most users will definitely have this for no reason and complain about the new fees you have imposed, but for me it's fair enough.

Adding a fee for a declined transaction is crazy. what do you mean I'm being charged for being broke

The premiums don't make sense,I can get the same services at almost no cost with my other wallets & social. I liked it better when it was Zazu.I also don't like that you can only use USD, no local currencies. The zazu UI/UX was great. Not sure if it was the MNOs that lead to this pivot but it's an entirely different market being serviced. $5 a month for a product that hasnt gained critical mass traction (in my opinion) is too expensive and discouraging. The chat/transact feature is great though.

What’s new

ChitChat USD Physical Cards Are Here!

Order your ChitChat USD Debit Card today and pick it up from our Lusaka office. Use the card online, in-store, or at ATMs worldwide, wherever Mastercard is accepted.