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

I think Chitchat is a very good app. It's smooth, reliable, and easy to use for everyday banking. The only thing that I think would make it even better is if it allowed Zambians to access US bank account details directly through the app. That feature would be really helpful for freelancers like myself, making it much easier to receive international payments.

I really love the app it solved all the challenges I was facing with online payments. You're a lifesaver if possible include the option to top up the wallet with cryptocurrencies

The charge fee for for declined or failed payments is a scam. I know you need to make money but no , not by stealing the little monies u have in the name of penalty fee! If i could give it rate it zero, I would.

What’s new

We’re excited to announce the launch of ZMW wallets! You can now hold and manage your balance in Zambian Kwacha directly in the app. We’ve also made it easier to get a physical card, which can now be picked up from local agents in Zambia. As always, this release includes other improvements and bug fixes.