# Bitoshi: Crypto & Payments — Buy, Swap & Pay with Crypto > African crypto exchange for buying, selling, and swapping digital assets with cash. (iPhone/iPad app by Bitoshi Digital Services Limited.) - Source: https://appshunter.io/ios/app/bitoshi-crypto-and-payments/id1627285591 (this page in markdown: same URL + `.md`) - Developer: [Bitoshi Digital Services Limited](https://appshunter.io/developer/1627285593) - Category: Finance, Business - Price: Free - Rating: 4.72/5 from 1,720 App Store ratings · 102 written reviews indexed - Age rating: 4+ - Requires: iOS 16.4 · 200 MB - Languages: American English - Released: 2022-10-17 - Data updated: 2026-11-03 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/bitoshi-crypto-and-payments/id1627285591/reviews.md ## What is Bitoshi? Bitoshi is a financial solution that provides individuals and businesses more ways to manage everyday finance and explore new money possibilities. Built on crypto infrastructure, Bitoshi brings together: • Crypto: Buy, sell, swap, send and receive supported cryptocurrencies. • Fiat: Add money, manage your fiat, withdraw to bank and pay supported bills. • Payments: Send & receive Crypto, and pay seamlessly virtual cards. • Cross-Border: Send money globally. • Business Finance: Financial tools businesses need to go further. BUY, SELL AND SWAP CRYPTO Trade BTC, ETH, USDT, USDC, cNGN, SOL, TON, BNB, PYUSD, TRX, LTC, and swap 500+ crypto. Explore supported coins and networks, view available rates and manage your portfolio. ADD MONEY AND WITHDRAW Add money (₦, GH₵, KSh), manage your fiat balance and withdraw to your bank account with ease. Your financial activity is organised in one platform, with access to account statements. SEND AND RECEIVE CRYPTO Send, receive and auto-convert supported assets across available networks. Make transfers to other Bitoshi users using usernames or addresses, or send to external wallets. SEND GLOBALLY Send money and crypto, make payments across borders (Ghana and Kenya) with ease. PAY EVERYDAY BILLS Buy airtime and data, and pay for other eligible bills and services categories such as electricity and television subscriptions, using crypto or local currency (₦, GH₵, KSh). MORE WAYS TO PAY Explore the Bitoshi virtual card for supported online purchases and subscriptions. Your card gives you another way to make eligible payments beyond traditional crypto transfers. GAMIFICATION, REFER AND EARN Invite friends monthly, carry out gamified activities, climb the leaderboard and earn big rewards when all requirements are completed. TRADE FOR LESS Set price alerts for supported assets and receive notifications when your selected price conditions are met. Explore Bitoshi Hour for reduced trading rates on selected days and eligible transactions. Rates, conditions and availability may vary. YOUR FINANCIAL ASSISTANT Explore Bitoshi's AI Assistant for help navigating the app, understanding available features and finding relevant information. Use it as a guide for financial decisions. MORE FOR BUSINESSES Bitoshi OTC services support business-focused, cross-border and high-value transaction needs. Explore available services and speak with Bitoshi Support about the options suited to you. ACCOUNT SECURITY AND SUPPORT Set up your profile, turn on push notifications, manage your account security and access with passkeys, 2FA and Face Comparison. Access Bitoshi Support in-app when you need assistance. FOLLOW US Website: Bitoshi.Africa Instagram: @bitoshi.africa LinkedIn: Bitoshi Africa X (Twitter): @Bitoshiafrica TikTok: @bitoshi.africa Youtube: @Bitoshi.Africa Whatsapp: Bitoshi Hub Telegram: Bitoshi Insider Community ## Key features - Quick signup with email, phone, and BVN/NIN - Instant cash deposit and withdrawal - Free crypto transfers via username - Secure cryptocurrency wallets - Buy, sell, and swap Bitcoin, USDT, TRON - Automated recurring crypto investments - Referral program for earning commissions ## What do users think of Bitoshi? Reviews of Bitoshi are mostly positive: the Finance app is rated 4.7/5 from 1.7K App Store ratings. What users like most: fast and reliable, user-friendly. Top complaints: occasional bugs and glitches, delayed transactions and withdrawals. Summarized from real user reviews. **Pros** - 🚀 Fast and reliable - 👍 User-friendly - 💰 Good rates for crypto trading - 🔒 Secure transactions - 🤑 Satisfying experience **Cons** - 🐛 Occasional bugs and glitches - ⏱️ Delayed transactions and withdrawals - 🤖 Poor customer service - 💸 Reduced rates during market increases **Commonly reported bugs** - Login and verification issues - Withdrawal delays and pending transactions - Compatibility problems with older devices **Most requested features** - Improve transaction speed and reliability - Enhance customer support - Optimize app for Android devices - Increase transparency in rate adjustments ## Is Bitoshi safe? Bitoshi: Crypto & Payments appears safe based on user ratings. The AppsHunter Safety Score for Bitoshi is 94 out of 100. This assessment is based on 1,720 user ratings, with an App Store average of 4.7 out of 5. Of 1,719 App Store ratings, 92.8% point to a safe experience, 3.3% suggest some concerns, and 3.9% point to a risky experience. ## Is Bitoshi legit? Bitoshi: Crypto & Payments appears to be a legitimate app. The AppsHunter Legitimacy Score for Bitoshi is 88 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (10 of 102) All indexed reviews: https://appshunter.io/ios/app/bitoshi-crypto-and-payments/id1627285591/reviews.md ### 1/5 — Generate new addresses *2026-10-17, version 1.6.2* Please you guys should generating new address please for bitcoin I tried but it did not work and we can be deleting the old address one it good that way learn from busha ### 1/5 — Not good *2026-09-16, version 1.6.0* Can’t access my account after the update no code was send to my email since yesterday I’m so annoyed and sad I can’t take out my money and thinking of changing my trade app ### 1/5 — I can’t sign up *2026-09-12* Did you know you guys didn’t let me sign up right no problem am in pain now because i can’t receive my money any more don’t worry I will try and download another app keep it up okay you fool I put down all the necessary thing you ask me and it doesn’t scroll up for me to sign up. I swear I won’t rate you although ### 1/5 — Best *2026-07-24* I change my review about this app is because have been noticing some fraud activities about Bitoshi. I text the costumer support and explain the issue to them .. since last month till today no response.. ### 1/5 — Payment on hold *2026-06-04* Hello I'm yet to receive my money into my bank account why is it taking so long i have more coin to trade but scared to continue cause two transaction are still on hold till now and there's no customer care that as replied me yet i need a reply ### 1/5 — Irresponsive Customer Support *2026-05-05, version 1.5.0* Bitoshi Customer support has mot been responding sonce about 48hrs That i’ve had issues with deposits from external wallet reflecting in my bito wallet. @Bitoshiafrica #BITOSHI_TONCOIN_SCAM. ### 5/5 — Bad bad didn’t receive my token two times over 3 hours *2026-04-01* Customer service is poor over 3 hours I didn’t receive my token ### 5/5 — Nice services *2026-03-28, version 1.4.7* Fast and easy ### 5/5 — 💯 *2026-03-17, version 1.4.7* Good app ### 5/5 — Increase of limit *2026-03-15, version 1.4.7* I want you to increase my limit ## Frequently asked questions about Bitoshi ### What can I do with Bitoshi: Buy & Sell Crypto? You can quickly sign up, deposit and withdraw cash instantly to your bank account, send crypto to friends for free using their usernames, and buy, sell, or swap cryptocurrencies like Bitcoin, USDT, and TRON. The app also offers automated recurring investments and a referral program. ### How do I sign up and verify my account? Signing up is straightforward and only requires your email, phone number, and BVN or NIN. Once registered, you can proceed to trade cryptocurrencies and manage your cash deposits and withdrawals. ### Is my cryptocurrency safe on Bitoshi? Yes, the app prioritizes the security of your assets. It implements the best internet security measures to safeguard your cryptocurrencies, ensuring a safe trading environment. ### Can I automate my crypto investments? Absolutely. The Recurring Buy feature allows you to set up automated crypto investments. You can define a target goal, choose your funding method, name your plan, and the app will handle the purchases for you. ### How can I earn money with Bitoshi? You can earn commissions by referring friends to the platform. Share your referral code, and when a friend signs up, completes identity verification, and trades the minimum required amount, you will earn free money. ## Version history (last 5 releases) ### 2.0.1 — 2026-10-29 Explore an updated Bitoshi 2.0 experience with more ways to trade, pay, send, receive and manage your money. Seamless KYC Flow Virtual Card Refer and Earn AI Assistant New Coin Addition Send Money Globally Bitoshi Hour & Price Alert Gamification Tiers & Reward Updated Account Security OTC/Bitoshi Business & more Loving Bitoshi? Rate Us Now! ### 2.0.0 — 2026-10-27 Explore an updated Bitoshi 2.0 experience with more ways to trade, pay, send, receive and manage your money. Seamless KYC Flow Virtual Card Refer and Earn AI Assistant New Coin Addition Send Money Globally Bitoshi Hour & Price Alert Gamification Tiers & Reward Updated Account Security OTC/Bitoshi Business & more Loving Bitoshi? Rate Us Now! ### 1.6.2 — 2026-09-26 A better, more secure Bitoshi is here. We’ve upgraded your Bitoshi experience with: New virtual account details Google Authenticator (2FA) for stronger account security Security improvements and bug fixes for a smoother experience Update Bitoshi and complete your account verification to enjoy the new experience. ### 1.6.0 — 2026-09-14 A better, more secure Bitoshi is here. We’ve upgraded your Bitoshi experience with: New virtual account details Google Authenticator (2FA) for stronger account security Security improvements and bug fixes for a smoother experience Update Bitoshi and complete your account verification to enjoy the new experience. ### 1.5.0 — 2026-04-16 New Coins Added: We've expanded our crypto offering! You can now trade more coins on Bitoshi. Head to your crypto wallet to explore the latest additions and start trading. Bug Fixes & Improvements: We've been busy under the hood. This update includes fixes for a number of issues to make your Bitoshi experience smoother and more reliable. ## Apps similar to Bitoshi | App | Rating | Price | Category | | --- | --- | --- | --- | | [Jeroid](https://appshunter.io/ios/app/jeroid/id1539278280) | 3.4 (147) | Free | Finance | | [Apex: Buy, Sell & Trade Crypto](https://appshunter.io/ios/app/apex-buy-sell-and-trade-crypto/id1549187308) | 4.5 (2,202) | Free | Finance | | [Divest: Global Money Transfers](https://appshunter.io/ios/app/divest-global-money-transfers/id6450185584) | 4.7 (3,039) | Free | Finance | | [Flashchange](https://appshunter.io/ios/app/flashchange/id6443588289) | 4.5 (1,075) | Free | Finance | | [Paga - Send, Pay, and Bank](https://appshunter.io/ios/app/paga-send-pay-and-bank/id1362357426) | 4.1 (1,442) | Free | Finance | | [Prestmit: Gift Cards & Coins](https://appshunter.io/ios/app/prestmit-gift-cards-and-coins/id1581960714) | 4.5 (7,428) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-03.*