# NearPays

> All-in-one mobile banking for payments, savings, and virtual cards. (iPhone/iPad app by YourRider Limited.)

- Source: https://appshunter.io/ios/app/nearpays/id6446233465 (this page in markdown: same URL + `.md`)
- Developer: [YourRider Limited](https://appshunter.io/developer/1579639836)
- Category: Finance
- Price: Free
- Rating: 3.10/5 from 14 App Store ratings · 11 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.5 · 137 MB
- Languages: American English
- Released: 2024-10-21
- Data updated: 2026-08-26
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/nearpays/id6446233465/reviews.md

## What is NearPays?

About this app
Mobile Banking. Save. Virtual Dollar Card. Virtual POS. Bill Payment.

Join thousands of satisfied users who trust Nearpays to manage their finances, make payments, and save effortlessly. Nearpays is your all-in-one financial app, enabling you to shop online, send money, pay bills, save, and receive payments—all from the convenience of your phone.

1. Virtual Accounts
Easily manage and operate your virtual accounts with Nearpays. Receive and transfer funds securely, with full control over your transactions.

2. Send and Receive Money
Send and receive money quickly and securely to friends, family, and business partners. With our advanced encryption technology, your transactions are always safe.

3. Spend Globally with Virtual Dollar Card
Access global markets effortlessly with our virtual dollar card. Make online purchases, pay for subscriptions, and manage your international transactions seamlessly.

4. USD/NGN Savings
Save in USD or NGN and earn competitive interest rates. Nearpays helps you build healthy savings habits with 2% monthly interest on your savings, ensuring your financial goals are within reach.

5. USSD Payments
Receive payments with ease using our in-app USSD feature. Generate a code and get paid instantly, even without an internet connection.

6. Virtual POS
Accept card payments directly from your phone with Nearpays Virtual POS. Activate your NFC feature and receive payments in seconds—no additional hardware is needed.

7. Bill Payment
Pay all your bills effortlessly using Nearpays. We support payments for major electricity providers, including Abuja DISCO, Benin DISCO, EKEDC, Enugu DISCO, Ibadan DISCO, IKEDC, Kaduna prepaid & postpaid, Kano DISCO, PHC DISCO, and Yola DISCO.

8. Airtime and Data Purchase
Buy airtime and data for yourself and your loved ones. We support MTN, GLO, Airtel, and 9mobile, making it easy to stay connected.

9. Get Notified Instantly
Receive instant notifications for all your transactions, helping you stay on top of your finances.

Security You Can Trust
Nearpays is PCI DSS certified, offering you peace of mind with every transaction. Our app employs top-tier encryption to keep your data and transactions secure.

## Key features

- Virtual accounts management
- Send and receive money
- Virtual dollar card for global spending
- USD/NGN savings with 2% monthly interest
- USSD and Virtual POS payments
- Bill payment for major providers
- Airtime and data purchase

## Recent user reviews (10 of 11)

All indexed reviews: https://appshunter.io/ios/app/nearpays/id6446233465/reviews.md

### 3/5 — Top up issue

*2026-07-17*

Everytime i always have an issue topping up my usd card, you guys need to fix that, i invited a friend and he was frustrated because of that, you need to fix that, other services are good, and provide a customer care number incase of complaint!!!

### 1/5 — Fraud

*2026-06-28*

Send me back my money couldn’t give me a dollar card and didn’t refund me back

### 5/5 — Reliable review

*2026-02-24*

I’ve struggled with declined transactions on international sites for a long time, but the Nearpays Virtual Dollar Card finally solved that for me. Creating the card was instant, and funding it from my Naira wallet was seamless. I’ve used it for my Netflix and Apple Music subscriptions without a single fail. Highly recommend for anyone needing a reliable way to pay in USD

**Developer response:** Hey Favlino,
That’s what we love to hear! Making global payments stress-free is one of our top priorities. Thanks for the recommendation—stay tuned for even more exciting updates!

### 5/5 — Great app

*2026-02-21*

The best of its kind. I am happy I got to know about Nearpays. Payment is always swift

**Developer response:** Hello! We are so glad to hear you’re enjoying the experience. We work hard to keep our rates competitive and the app seamless for you. Thank you for choosing Nearpays!

### 1/5 — Not working parfect

*2025-08-27*

Not working parfect my card declined every minute and i waste a lot of money to get new card

**Developer response:** Hello, we’re truly sorry for the frustration. We want to get this fixed for you immediately. Please reach out to us at support@nearpays.com or via our in-app support so we can investigate your specific transaction and get you sorted. We're here to help!

### 1/5 — Card Renewal

*2025-05-28*

The amount of times I had renewed my virtual card is insane. Out of nowhere they expect to pay for a new card and mind you my previous card hasn’t expired yet. It felt like every time I logged into the app and I wanna make a payment online, I had to always pay for a new card which is literally disappointing.

**Developer response:** Hello Nana riya,
we’re truly sorry for the frustration. We want to get this fixed for you immediately. Please reach out to us at support@nearpays.com or via our in-app support so we can resolve this issue. We're here to help!

### 5/5 — Good job

*2025-04-22*

Nice app 🥰
Great app 👏

### 5/5 — Best rates

*2025-04-21*

Their recent rate while funding my virtual dollar card is the best I’ve seen and card works very well for all my dollar payments even payments in other currencies. I highly recommend!

### 1/5 — Can’t TopUp, Can’t Withdraw

*2025-04-11*

I can’t topup my card and also I can’t withdraw my money for days now have been trying. They keep reversing my money.

**Developer response:** Hello, we’re truly sorry for the frustration. We want to get this fixed for you immediately. Please reach out to us at support@nearpays.com or via our in-app support so we can investigate your specific transaction and get you sorted. We're here to help!

### 1/5 — Stupid app

*2025-01-19*

I have no star for you guys , this app is the most stupidest app in world, you can never top up you dollar card , I have been trying to withdraw out my money it will never allow, pls i need my money from that app okay

## Frequently asked questions about NearPays

### What is NearPays?

NearPays is a mobile banking app designed for managing finances, making payments, and saving money. It offers features like virtual accounts, virtual dollar cards, bill payments, and the ability to earn interest on savings.

### How secure is NearPays?

NearPays is PCI DSS certified and employs top-tier encryption to ensure the security of your data and transactions, providing peace of mind for users.

### Can I save money in different currencies with NearPays?

Yes, NearPays allows you to save in both USD and NGN, offering competitive interest rates of 2% monthly on your savings to help you reach your financial goals.

### How can I receive payments with NearPays?

You can receive payments through NearPays using its in-app USSD feature, which generates a code for instant payment even without an internet connection, or via the Virtual POS feature using NFC.

### What bill providers does NearPays support?

NearPays supports bill payments for major electricity providers including Abuja DISCO, Benin DISCO, EKEDC, Enugu DISCO, Ibadan DISCO, IKEDC, Kaduna prepaid & postpaid, Kano DISCO, PHC DISCO, and Yola DISCO.

### Does NearPays have ads?

No, NearPays does not contain advertisements, allowing for an uninterrupted user experience.

### What devices is NearPays available on?

NearPays is available on iPhone, iPad, and iPod devices, making it accessible to a wide range of Apple users.

### How often is NearPays updated?

The latest version of NearPays is 2.4.7, and it was last updated on March 4, 2026, indicating regular maintenance and updates.

## Version history (last 5 releases)

### 2.4.11 — 2026-08-21

Improved user experience

### 2.4.10 — 2026-06-30

Improved FX experience

### 2.4.9 — 2026-04-16

Improved bill payment

### 2.4.8 — 2026-04-02

Improved Bill Payment

### 2.4.7 — 2026-03-04

bug fixes

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## More apps by YourRider Limited

- [YourRider](https://appshunter.io/ios/app/yourrider/id1579639564)
- [YourRider-Rider](https://appshunter.io/ios/app/yourrider-rider/id1580945057)
- [NearPays GH](https://appshunter.io/ios/app/nearpays-gh/id6473919460)

All apps by YourRider Limited: https://appshunter.io/developer/1579639836

## Related topics

[nearpays](https://appshunter.io/ios/topics/nearpays)

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*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 2026-08-26.*