How to get started with Twelve AI (2026 guide)

Getting started with Twelve AI (also written TwelveAI) takes minutes. This guide walks you through your first steps, from your first message to your first receipt.

Step 1: Start a chat

There are two easy ways to reach Twelve AI:

• On WhatsApp. Tap the "Chat on WhatsApp" button above. This opens a chat with Twelve AI, no new app needed. Learn more in the WhatsApp banking guide.
• In the app. Download the Twelve AI app from Google Play for the full experience with menus and screens.

Step 2: Complete quick verification

For your security, Twelve AI verifies your identity before enabling money movement. This keeps your account and funds protected, and it is a normal part of any regulated financial service.

Step 3: Send your first transfer

Just say what you want in plain language:

"Send ₦5,000 to Tobi"

Twelve AI confirms the recipient and amount, you approve, and the transfer completes. A shareable receipt lands right in the chat.

Step 4: Try the everyday actions

Once you are comfortable, try the things you do most often:

• Airtime: "Buy ₦2,000 MTN airtime"
• Bills: "Pay my electricity bill"
• Balance: "What is my balance?"
• Receipts: "Download my last receipt"

Step 5: Explore dollars and FX

When you are ready for the dollar side of life, Twelve AI has you covered with USD accounts, swaps, and dollar cards:

"What is my USD balance?"

"Swap $200 to naira"

"Create a dollar card with a $500 limit"

You can even set an auto-swap rule so incoming dollars convert to naira automatically at your target rate.

Prefer to tap? You can

Twelve AI is chat-first, not chat-only. Every action also lives in normal menus and buttons, so you can tap when it is faster and type when it is easier, and switch in the middle of a task. Read why we keep menus.

Tips for a smooth start

• Save your frequent recipients so transfers are one message away.
• Always review the details before you approve.
• Use only official Twelve AI channels, and never share your PIN or one-time codes.

That is it

You are ready. Say what you want, confirm, done. Explore the full feature list whenever you want to go deeper, and reach support through official channels if you need a hand.