# Paga - Send, Pay, and Bank — Borderless living > Borderless financial management for US Dollar and Nigerian Naira accounts. (iPhone/iPad app by Paga Group LTD (UK).) - Source: https://appshunter.io/ios/app/paga-send-pay-and-bank/id1362357426 (this page in markdown: same URL + `.md`) - Developer: [Paga Group LTD (UK)](https://appshunter.io/developer/1744127996) - Category: Finance - Price: Free - Rating: 4.10/5 from 1,466 App Store ratings · 209 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 190 MB - Languages: American English - Released: 2018-08-29 - Data updated: 2026-08-28 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/paga-send-pay-and-bank/id1362357426/reviews.md ## What is Paga? Your money shouldn’t stop where your country’s border starts - whether you find yourself in Nigeria, the US, or anywhere in the world. The Paga app gives you the opportunity to open and manage both a US Checking Account and a Nigerian Naira Account from anywhere. To open a Paga US bank account, proof of a valid residential address in the US is required. For the Nigerian bank account, you’ll need a NIN or BVN. One login. One app. Two worlds, finally connected. With Paga, you can: Send, pay, and receive across both currencies Send directly from your Paga US account to any Naira account Get paid by clients, pay vendors abroad, or manage your side gigs seamlessly Connect to your financial life on apps like Chime, Robinhood, SoFi, or Venmo. Physical & Virtual Visa Debit Cards Shop, travel, and live life on your terms. You can: Pay anywhere with your physical or virtual debit card Link your Paga US card to Apple Pay for secure, contactless payments. Tap and pay in-store or online. Lock and unlock your card instantly. Even choose a card design that fits your style. Move Money Without Borders Send US Dollars to Nigeria — fast and reliable. Request or receive money with a tap, wherever you are. Enjoy competitive exchange rates and fees that keep more money with you. Link your external bank accounts to make better transaction moves. Receive money via ACH, wire transfers, and Visa Direct card transfers PayPal, Reimagined - Paga makes PayPal work for Nigerians- FINALLY! PayPal is now closer to home. With Paga, you can: Top up, withdraw, and get paid in any currency, instantly in Naira. Pay globally anywhere PayPal is accepted. Send and receive money worldwide right from your phone How we protect your money Your security isn’t an afterthought — it’s built in. Paga US account is protected up to $250,000 through our FDIC-insured partner bank To learn more about FDIC insurance, visit the FDIC website at www.fdic.gov/deposit/deposits Paga Nigeria accounts are protected by NDIC. Industry-grade security, fraud monitoring, and instant card controls keep your money safe. Extensive identity verification keeps sign-ups secure. Passcode and biometric login ensure only you can access your account. Visit our Terms and Conditions website for more information (See links below). Peace of mind, every time you send or spend. Always Here to Help Money never sleeps, and neither do we. Get 24/7 customer support. Why Paga? Over 30 million people trust Paga. Recognised by the Financial Times and Statista, Paga connects your two worlds: US and Nigeria. Home and abroad. Dollars and Naira. Because your money should move as freely as you do. Visit our Terms and Conditions for our Nigerian customers - mypaga.com/ngn-terms#tos Visit our Terms and Conditions for our US customers - mypaga.com/usd-terms#tos Download Paga today. Two wallets, one life, no borders. Paga is a financial technology company, not a bank. US banking services are provided by Regent Bank, Member FDIC. FDIC insurance only covers the failure of insured depository institutions. Certain conditions must be satisfied for pass-through FDIC deposit insurance to apply. Medium - https://www.medium.com/@mypaga Facebook - https://www.facebook.com/mypaga Twitter - https://www.twitter.com/mypaga Instagram - https://www.instagram.com/my_paga ## Key features - Open and manage US and Nigerian bank accounts - Send, pay, and receive across currencies - Physical and virtual Visa debit cards - Link to external financial apps - Global money transfers with competitive rates - Seamless PayPal integration for Nigerians ## What do users think of Paga? Overall sentiment: negative **Pros** - 🚀 Fast and reliable - 👍 User-friendly interface - 💳 Seamless transactions - 🔒 Secure platform **Cons** - 🐛 Frequent crashes and bugs - ⏱️ Slow transaction processing - 💰 High service charges - 🔒 Account restrictions and verification issues **Commonly reported bugs** - Login issues - Deduction of funds without transactions - Inability to access account after updates - Delayed or failed transactions **Most requested features** - Improved customer support - Faster fund transfer and withdrawal - Virtual card options - Loyalty/reward program ## Recent user reviews (10 of 209) All indexed reviews: https://appshunter.io/ios/app/paga-send-pay-and-bank/id1362357426/reviews.md ### 3/5 — Login malfunction *2026-08-10, version 5.0.20* Pressing the login but it isn’t working ### 3/5 — Can’t login *2026-08-08, version 5.0.20* The problem i have with the app is all of a sudden you can’t login in I don’t know why ### 1/5 — Bad app *2026-07-25, version 5.0.19* Something about your app won’t let me submit my form after filling it to register. It sucks! ### 1/5 — Is NIN linked phone number a must *2026-07-10, version 5.0.19* I’m not yet a user but I’ve tried to create a paga account and I end up not finishing bcos you request that I verify the phone number linked to my NIN which I don’t have any more. This after I’ve given you my NIN and done series of other human verification and emails. I think you guys should ease up on the NIN linked phone number verification, I’m sure I’m not the one that dropped off the app bcos of this. ### 2/5 — Airtime *2026-07-02, version 5.0.18* You guys are thieves I did an airtime twice on that stupid app called Paga and it’s no where to be found I can’t find the invoice on my transaction history and I was debited without being credited my airtime thieves !!!! ### 1/5 — Account restriction *2026-06-24, version 5.0.18* I just used my paga account for few transactions this morning and it fell into restriction without any reason or proper explanation I’ve reached out to the customer service team through mail and it’s not responding please try and rectify my issue ### 1/5 — Transaction pending *2026-05-29, version 5.0.18* I sent money to my friend who is using OPay and is yet to receive the money since 4day ago and I complain and I was told to wait 48 hrs and is over 48hrs and yet I haven’t been refunded ### 1/5 — Taking long time to verify my account *2026-05-29, version 5.0.18* Why is it taking you guys long to verify my account what going on ### 1/5 — Paga are scammers *2026-05-19, version 5.0.16* Paga are not trustworthy ### 1/5 — PayPal *2026-05-01, version 5.0.15* You said you have partnered with PayPal yes for over one month now I’ve been trying to link the PayPal to the so called Paga my screen is rotating for more than 1 hour and I keep trying it won’t let me almost everyday I think you should do better ## Frequently asked questions about Paga ### What does the Paga app do? The Paga app allows you to open and manage both a US Dollar checking account and a Nigerian Naira account from a single application. It facilitates sending, paying, and receiving money across these currencies, enabling seamless international financial management. ### What are the key features of Paga? Key features include the ability to manage both US and Nigerian bank accounts, send and receive money across currencies, access physical and virtual Visa debit cards for global spending, and integrate with platforms like PayPal for easier transactions. ### How much does Paga cost to use? The app itself is free to download and use. While the description doesn't detail specific transaction fees, it mentions competitive exchange rates and fees, implying that costs are associated with money movement and card usage. ### Is Paga available on different devices? The application is available for mobile devices, as indicated by the context of it being a mobile app. Users can download it to manage their finances on the go. ### Who is Paga designed for? Paga is designed for individuals who need to manage finances across borders, particularly between the United States and Nigeria. This includes people who receive payments from abroad, pay international vendors, or manage side gigs with clients in different countries. ## Version history (last 5 releases) ### 5.0.21 — 2026-08-17 We've partnered with PayPal to make global payments easier for Nigerians. You can now: - Link your existing PayPal Nigeria account or create a new one directly on Paga - Receive money from PayPal users worldwide (Fiverr, Upwork, etc.) - Instantly withdraw USD from your PayPal wallet into your Paga NG account - Enjoy competitive FX rates on withdrawals - Pay globally anywhere PayPal is accepted This update helps you send, receive, and use money internationally-right from your Paga app. ### 5.0.20 — 2026-07-27 We've partnered with PayPal to make global payments easier for Nigerians. You can now: - Link your existing PayPal Nigeria account or create a new one directly on Paga - Receive money from PayPal users worldwide (Fiverr, Upwork, etc.) - Instantly withdraw USD from your PayPal wallet into your Paga NG account - Enjoy competitive FX rates on withdrawals - Pay globally anywhere PayPal is accepted This update helps you send, receive, and use money internationally-right from your Paga app. ### 5.0.19 — 2026-07-06 We've partnered with PayPal to make global payments easier for Nigerians. You can now: - Link your existing PayPal Nigeria account or create a new one directly on Paga - Receive money from PayPal users worldwide (Fiverr, Upwork, etc.) - Instantly withdraw USD from your PayPal wallet into your Paga NG account - Enjoy competitive FX rates on withdrawals - Pay globally anywhere PayPal is accepted This update helps you send, receive, and use money internationally-right from your Paga app. ### 5.0.18 — 2026-05-28 We've partnered with PayPal to make global payments easier for Nigerians. You can now: - Link your existing PayPal Nigeria account or create a new one directly on Paga - Receive money from PayPal users worldwide (Fiverr, Upwork etc.) - Instantly withdraw USD from your PayPal wallet into your Paga NG account - Enjoy competitive FX rates on withdrawals - Pay globally anywhere PayPal is accepted This update helps you send, receive, and use money internationally-right from your Paga app. ### 5.0.17 — 2026-05-21 We've partnered with PayPal to make global payments easier for Nigerians. You can now: - Link your existing PayPal Nigeria account or create a new one directly on Paga - Receive money from PayPal users worldwide (Fiverr, Upwork etc.) - Instantly withdraw USD from your PayPal wallet into your Paga NG account - Enjoy competitive FX rates on withdrawals - Pay globally anywhere PayPal is accepted This update helps you send, receive, and use money internationally-right from your Paga app. ## Apps similar to Paga | App | Rating | Price | Category | | --- | --- | --- | --- | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,440) | Free | Finance | | [Remitly: Send Money & Transfer](https://appshunter.io/ios/app/remitly-send-money-and-transfer/id674258465) | 4.9 (2,696,352) | Free | Finance | | [Paysend: Send Money Worldwide](https://appshunter.io/ios/app/paysend-send-money-worldwide/id1140130413) | 4.8 (30,067) | Free | Finance | | [Western Union: Send Money](https://appshunter.io/ios/app/western-union-send-money/id424716908) | 4.8 (1,300,999) | Free | Finance | | [WorldRemit: Money Transfer App](https://appshunter.io/ios/app/worldremit-money-transfer-app/id875855935) | 4.8 (215,536) | Free | Finance | | [Chipper Cash](https://appshunter.io/ios/app/chipper-cash/id1353631552) | 4.3 (14,619) | Free | Finance | ## Related topics [paga](https://appshunter.io/ios/topics/paga) · [paga wallet](https://appshunter.io/ios/topics/paga-wallet) · [nigerian banks](https://appshunter.io/ios/topics/nigerian-banks) · [nigeria bank online](https://appshunter.io/ios/topics/nigeria-bank-online) · [3o5 escrowly](https://appshunter.io/ios/topics/3o5-escrowly) · [gomoney](https://appshunter.io/ios/topics/gomoney) · [quick teller](https://appshunter.io/ios/topics/quick-teller) · [kachiplug](https://appshunter.io/ios/topics/kachiplug) · [vfd microfinance bank](https://appshunter.io/ios/topics/vfd-microfinance-bank) · [amco bank](https://appshunter.io/ios/topics/amco-bank) · [nigeria bank](https://appshunter.io/ios/topics/nigeria-bank) · [paystack](https://appshunter.io/ios/topics/paystack) · [sparkle bank](https://appshunter.io/ios/topics/sparkle-bank) · [online banking in nigeria](https://appshunter.io/ios/topics/online-banking-in-nigeria) · [pavana bank](https://appshunter.io/ios/topics/pavana-bank) · [carbon bank](https://appshunter.io/ios/topics/carbon-bank) · [page financials](https://appshunter.io/ios/topics/page-financials) · [vfd](https://appshunter.io/ios/topics/vfd) · [microfinance bank](https://appshunter.io/ios/topics/microfinance-bank) · [yiftee](https://appshunter.io/ios/topics/yiftee) --- *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 2026-08-28.*