Your money. Your rules. One app.
Pay bills, send money abroad, buy gift cards, hold multiple currencies, and manage crypto — all from one beautifully simple app.
Loved by 100,000+ Nigerians
Transfer Sent
₦45,000 → Funmi
✓ Delivered instantly
⚡ Bill Paid
EKEDC • 50 units
App Rating
4.9 / 5.0
As seen in
Everything money. One app.
Stop switching apps.
Every financial service you need is right here — beautifully designed and blazingly fast.
Instant Bank Transfers
Send money to any Nigerian bank in seconds. Zero delays, always.
Virtual Dollar Cards
Create USD cards instantly. Shop Netflix, Amazon, anywhere online.
Pay Any Bill
Electricity, cable TV, airtime, data — all done in under 10 seconds.
Gift Cards
500+ brands. Instant delivery. Perfect for yourself or someone special.
Crypto Wallet
Bitcoin, Ethereum, and 100+ coins — buy, hold, and send with ease.
Multi-Currency Accounts
Hold NGN, USD, GBP, EUR in one place. Exchange at live rates.
See it in action
Every screen, designed to delight.
Clean, fast, and intuitive — built by Nigerians, for Nigerians.
₦ 842,500.00
Built for real life
Your complete financial life, simplified
Whether it's ₦100 airtime or a $5,000 international transfer — Payyng handles it all with the same effortless, instant experience.
Instant transfers to any Nigerian bank
Zero delays, anytime of the day or night.
Send money to 200+ countries
Real-time exchange rates. No hidden fees.
Bank-grade security on every transaction
256-bit encryption + biometric authentication.
Full transaction history & receipts
Every kobo accounted for, always.
Built for everyone
Whoever you are, we've got you.
Your money, sorted
Pay all your bills, send money to any bank, buy airtime, and hold USD — all from your phone.
Get started free- Instant bank transfers
- Electricity, cable & data bills
- USD virtual card
- Multi-currency wallet
Real people. Real results.
"Payyng cut my bill payment time from 30 minutes to 10 seconds. Absolutely game-changing for my business."
Adewale Adeola
Business Owner, Lagos
"The virtual dollar card feature alone is worth it. I pay all my international subscriptions without any stress."
Chioma Okafor
Software Engineer, Abuja
"Best fintech app in Nigeria. Period. The interface is clean, transfers are instant, and support is always there."
Emeka Nwosu
Entrepreneur, Port Harcourt
100K+
Active Users
₦50B+
Processed
99.9%
Uptime
4.9 ⭐
App Rating
Simple process
Up and running in 2 minutes.
Create your account
Sign up in under 2 minutes with just your email. No paperwork, no stress.
Fund your wallet
Add money via bank transfer, USSD or card. Instant — no waiting.
Start transacting
Pay bills, send money, buy gift cards, manage crypto — all from one place.
Security first
Your money is safer here.
Payyng is regulated by the CBN, insured by the NDIC, and uses the same encryption standards as global banks. Your naira is protected at every step.
Your funds are NDIC insured up to ₦5,000,000 — even if the app goes offline.
CBN Licensed
Fully regulated by the Central Bank of Nigeria
NDIC Insured
Deposits insured up to ₦5M per customer
256-bit SSL
Military-grade encryption on every transaction
ISO 27001
Internationally certified information security
PCI DSS
Compliant card data handling standards
24/7 Monitoring
Real-time fraud detection and alerts
Trusted by our partners
Join 100,000+ Nigerians on Payyng today.
Free to join. No hidden fees. Start in 2 minutes.