1
Start a conversation
Open WhatsApp and tell Niqla what you want to do in plain language.
Qatar-first conversational finance
Everyday Money.
Made Conversational.
Send money, pay bills, handle business payments and get financial support by simply chatting with Niqla on WhatsApp—using text, voice notes, images or files.
No new app to learn
Review every transaction
Approve with your PIN
NiqlaConversational finance
Send QAR 500 to Ahmed
I found Ahmed Al-Rashidi. Please review the details below.
Transfer ready
QAR 500.00
To: Ahmed Al-Rashidi
Review and approve with PIN
✓ Done. QAR 500 sent.
Message Niqla
QAR 24,580Available balance
Voice understood“Pay my electricity bill”
24 payments readySupplier batch reviewed
How Niqla works
Money moves as naturally as a message.
Niqla removes the menus and long forms. Tell it what you need, check the details, then approve.
2
Review the details
Niqla prepares the transaction and clearly shows the recipient, amount and purpose.
3
Approve securely
Confirm with your personal PIN before the transaction is processed.
Built for everyday money
One conversation. More ways to get things done.
From personal payments to business workflows, Niqla keeps financial tasks in one familiar place.
Send moneyTransfer to people and bank accounts through a simple chat.
Pay billsHandle recurring payments without searching through menus.
Run business paymentsPay suppliers, approve payroll and manage bulk transactions.
Understand your moneyCheck balances, review spending and get support in the same conversation.
July supplier paymentsReady to review
supplier-payments-july.xlsx24 payment instructions detected
Batch summary
Recipients24
TotalQAR 40,000
StatusReady to review
Made for people and businesses
Simple enough for everyday use. Powerful enough for work.
Manage money without learning another app
Send money, pay bills, check balances and get help through a conversation that already feels familiar.
Run everyday payments from one chat
Handle supplier payments, payroll workflows, transaction reviews and financial support without switching tools.
Turn files into ready-to-review payment batches
Upload an Excel sheet, let Niqla structure the instructions, then review and approve before anything moves.
Offer conversational finance without starting from scratch
Use Niqla for Business to deliver branded customer journeys, support automation and financial workflows through WhatsApp.
Talk to Niqla your way
Type it. Say it. Snap it. Upload it.
Niqla is designed to understand how people naturally communicate—not force them into rigid forms.
Text
Write naturally, just as you would message a person.
Voice notes
Speak your request when typing is inconvenient.
Images
Send payment details or documents as pictures.
Files
Upload spreadsheets for payroll and bulk payments.
Control stays with you
Review before money moves.
Niqla makes the experience conversational without making it careless. Every transaction is prepared for review and requires your approval.
1
Niqla understands the requestYour instruction is converted into a clear financial action.
2
You review every detailRecipient, amount and purpose are displayed before processing.
3
You approve with your PINNo transaction moves forward without your confirmation.
See Niqla in action
Watch everyday money become a conversation.
The product film shows how Niqla receives a request, prepares the transaction and guides the user through review and approval.
Interactive product preview
See how a Niqla conversation flows.
Select a task to preview the kind of conversation a user would have with Niqla.
NiqlaOnline
Frequently asked questions
What people need to know.
What is Niqla?
Niqla is a conversational financial assistant designed to help individuals and businesses complete everyday financial tasks through WhatsApp.
What can I do with Niqla?
Niqla is being designed for transfers, bill payments, merchant and supplier payments, bulk payments, payroll workflows, spending summaries and customer support.
How does Niqla understand requests?
Users can communicate through text, voice notes, images and files. Niqla interprets the request, prepares the relevant action and presents it for review.
How are transactions approved?
The user reviews the transaction details and enters a personal PIN before the transaction is processed.
Is Niqla a bank?
No. Niqla is the conversational technology and customer-experience layer. Regulated financial services are intended to be delivered with authorised financial institutions and payment providers.
Meet Niqla
The simplest financial interface may already be in your pocket.
Everyday Money. Made Conversational.