🎉

Instant transfers to all Nigerian banks now available at 0% fees!

Trusted by 2M+ Nigerians

Banking that
moves with you

Send money, pay bills, and manage your finances with zero hassle. Experience the future of payments with Zappay.

Security
Bank-level Security
Speed
Instant Transfers
Availability
24/7 Support

Current Balance

₦450,000.00

  • Money Received

    From John Doe

    +₦25,000

  • Airtime Purchase

    MTN Nigeria

    −₦1,000
Active Users
2M+
Transactions
₦50B+
Uptime
99.9%
Support
24/7

Features

Everything you need to manage money

Powerful features designed for modern Nigerian life — from instant transfers to smart savings.

Instant Transfers

Send money to any Nigerian bank in seconds. Zero transfer fees, 24/7 availability.

Learn more

Airtime & Data

Top up airtime and buy data bundles for all networks with instant delivery and cashback.

Learn more

Bill Payments

Pay DSTV, GOtv, electricity, and other bills seamlessly. Never miss a due date.

Learn more

Virtual Cards

Create virtual cards for secure online shopping. Freeze and unfreeze instantly, anytime.

Learn more

Savings Goals

Set savings targets and track your progress. Earn competitive interest on your savings.

Learn more

Spending Analytics

Track your spending habits with detailed insights, categorised reports, and monthly breakdowns.

Learn more

For Business

Power your business with Zappay Business

Accept payments, manage payroll, and grow your business with our comprehensive suite of tools.

  • Payment Collection

    Accept payments via QR codes, payment links, and POS terminals.

  • Payroll Management

    Pay your employees instantly and manage staff salaries with ease.

  • Invoice Generation

    Create and send professional invoices. Track payments automatically.

Business Dashboard

Revenue · Last 7 days

Weekly Revenue ₦480k ₦360k ₦240k ₦120k Mon Tue Wed Thu Fri Sat Sun
Total Revenue
₦2.4M

↑ 12.5% this week

Transactions
1,284

↑ 8.2% this week

Cards

Choose your perfect card

From virtual cards for online shopping to premium physical cards.

Virtual

Instant Card

Perfect for online shopping and subscriptions

**** **** **** 4289

VALID THRU 12/28CVV ***
  • Create instantly
  • Freeze anytime
  • No monthly fee
Popular

Zappay Card

Your everyday companion

**** **** **** 8842

VALID THRU 09/27ZAPPAY
  • 1% cashback on all purchases
  • Free ATM withdrawals
  • Instant notifications

Premium

Gold Card

Exclusive benefits and rewards

**** **** **** 1124

VALID THRU 03/29GOLD
  • 3% cashback on all purchases
  • Airport lounge access
  • Priority 24/7 support

Testimonials

Loved by thousands

See what our customers have to say about Zappay.

Zappay has completely transformed how I manage my finances. The instant transfers are a game changer for my business.

Adaobi Okafor

Business Owner, Lagos

The best payment app in Nigeria. Clean interface, fast transactions, and excellent customer service. Highly recommended!

Chidi Mohammed

Software Engineer, Abuja

I love the virtual cards feature. It makes online shopping so much safer. Zappay understands modern banking needs.

Ready to get started?

Join over 2 million Nigerians who trust Zappay. Open an account in minutes.