Money moves at
zap speed.
Send money, pay bills, buy airtime, save, and spend abroad — all from one app built for how Nigerians actually move money.
From market stalls to mobile wallets.
Traders across Nigeria collect payments the moment a sale happens — no cash float, no waiting for settlement.
Send and receive from every major Nigerian bank
Every everyday money move, in one app.
From splitting rent with friends to paying your DStv, Zappay replaces a drawer full of apps and bank tellers with one fast, simple wallet.
Instant transfers
Send to any bank or wallet in Nigeria in seconds, with zero fees to other Zappay users.
Bills & utilities
Pay electricity, cable TV, internet, and water bills without leaving the app.
Airtime & data
Top up any network instantly, or buy data bundles at a discount, day or night.
Virtual dollar card
Spend on Amazon, Netflix, and global platforms with a free virtual USD card.
Save & earn
Lock savings goals or grow idle cash automatically with up to 14% p.a.
Zap Credit
Access quick, flexible loans for emergencies based on your Zappay history.
QR & tap to pay
Pay in stores and markets instantly by scanning a QR code — no cash, no cards.
Currency swap
Convert between Naira and USD balances instantly at transparent rates.
You're four minutes from your first transfer.
Download the app
Grab Zappay from the App Store or Google Play — it takes seconds to install.
Verify your identity
Snap your BVN or NIN and a selfie. Our checks run automatically in the background.
Fund your wallet
Add money by bank transfer, card, or cash-in at any Zappay agent near you.
Start moving money
Send, pay bills, save, or spend abroad — instantly, and completely free between users.
Payments that think a
step ahead of you.
Zap AI runs quietly underneath every transaction — reading what you mean, watching for what looks wrong, and showing you where your money is actually going.
Understands plain speech
“Send 5k to mum for the weekend” is a full transaction. Zap AI reads intent, not just numbers.
Fraud caught before it lands
Every transfer is scored in real time against behaviour patterns unique to your account.
A budget that writes itself
Spending is auto-categorised and forecast, so you see a shortfall weeks before it happens.
We started Zappay to close the gap between banks and daily life.
Too many Nigerians were spending their afternoons in banking halls for things that should take seconds. Zappay was built by a small team in Lagos who believed money should move as fast as the people using it.
Our mission
To give every Nigerian instant, affordable access to their money — no queues, no paperwork, no waiting.
Our vision
A West Africa where a bank account fits in your pocket, and moving money is as easy as sending a message.
Every decision we make starts with one question: does this make a Nigerian's money safer, or their day easier?
Why people are switching to Zappay.
Your money is protected, every step of the way.
Zappay operates under a licensed banking partner, with your funds held in a ring-fenced settlement account — never used for our own operations.
Bank-level encryption
Every transaction and data point is encrypted end-to-end, at rest and in transit.
PIN + biometric lock
Face ID, fingerprint, and transaction PINs stop unauthorised access cold.
24/7 fraud monitoring
Automated systems flag unusual activity in real time, before it becomes a loss.
NDIC-insured deposits
Funds held with our partner bank are covered up to the standard insured limit.
Nigerians move their money with Zappay.
“I used to spend twenty minutes queuing to pay my light bill. Now it's three taps from my sofa.”
Questions, answered.
Zappay is a financial technology company. Banking services and deposit accounts are provided through our licensed partner bank, which is regulated and NDIC-insured.
Get Zappay and start moving money today.
Join hundreds of thousands of Nigerians who've made the switch to faster, simpler money.