Best TPay alternatives: apps like TPay - Payments, Bills

10+ similar apps compared and reviewed

4.0 avg rating
10 free apps
Updated November 2026

Whether you want more options like TPay or a completely different take on the same concept, our curated list of 10+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to TPay

Lotus Bank App#1

Lotus Bank App by Lotus Bank

LOTUS App by LOTUS Bank Ltd
Editor's Choice
💰 Finance
2.8(40 ratings)
Free
Lotus Bank App screenshot 1
Lotus Bank App screenshot 2
Lotus Bank App screenshot 3
Lotus Bank App screenshot 4
Lotus Bank App screenshot 5

Access your bank account in real-time with this mobile banking application. Perform transfers, pay bills, top up airtime, and manage your account details securely.

2.7(51 ratings)
Free
ProvidusPlus screenshot 1
ProvidusPlus screenshot 2
ProvidusPlus screenshot 3
ProvidusPlus screenshot 4
ProvidusPlus screenshot 5
ProvidusPlus screenshot 6

Manage your finances with this mobile banking application. Perform transactions, check balances, and access banking services conveniently from your smartphone.

Kuda Business: POS & Invoice#3

Kuda Business: POS & Invoice by Kuda Technologies Limited

Payroll, Expenses & Bulk Pay
Worth Considering
💰 Finance
4.6😞(981 ratings)
Free
Kuda Business: POS & Invoice screenshot 1
Kuda Business: POS & Invoice screenshot 2
Kuda Business: POS & Invoice screenshot 3
Kuda Business: POS & Invoice screenshot 4
Kuda Business: POS & Invoice screenshot 5
Kuda Business: POS & Invoice screenshot 6

Manage your Nigerian business finances seamlessly. Open a business account, accept payments, send invoices, run payroll, and track expenses. Get a POS terminal and simplify your business operations.

What We Love

  • 🚀 Fast and reliable
  • 👍 Smooth transactions
  • 💡 Smart services
  • 👍 All functions available

Room to Improve

  • 🐛 Crashes and bugs
  • 🔒 Security issues
  • 👎 Misbehaving app
  • 👎 Worse than before
  • 👎 Frustrating experience

More apps like TPay

4
PocketApp: Send & Manage Money
PocketApp: Send & Manage Money
PocketApp: Send & Manage Money
Abeg Technologies
Free

This app allows users to send, receive, and manage money through three distinct digital wallets: personal, business, and group. It facilitates quick transfers, bill payments, online store creation, and group expense management, all while ensuring funds are insured and the service is licensed.

Send and receive money instantlyManage personal, business, and group financesCreate an online store with zero commission
💰 Finance
(9.2K)
free
5
Paga - Send, Pay, and Bank
Paga - Send, Pay, and Bank
Paga - Send, Pay, and Bank
Borderless living
Free

Manage both US Dollar and Nigerian Naira accounts from a single app. Send, pay, and receive money across borders seamlessly, with physical and virtual Visa debit cards for global spending. Connect to other financial apps and enjoy secure, borderless transactions.

Dual currency account management (USD & NGN)International money transfersPhysical and virtual Visa debit cards
💰 Finance
(1.4K)
free
6
Cleva App
Cleva App
Cleva App
Get paid, spend, and save
Free

Manage your finances globally with this app. Send and receive money internationally, convert currencies at competitive rates, and spend with a virtual USD card. Earn rewards and refer friends for extra benefits.

International money transfersReceive USD and stablecoin paymentsFree currency conversion
💰 Finance
(1.6K)
free
7
UBA Mobile App
UBA Mobile App
UBA Mobile App
UBA Mobile App
Free

Manage your finances, send money, pay bills, and save for your goals with this personal financial manager. It offers features like setting spending limits, instant notifications, and card management. Users can also open new accounts and find nearby branches or ATMs.

Manage accountsSend moneySchedule and pay bills
💰 Finance
(977)
free
8
Divest: Global Money Transfers
Divest: Global Money Transfers
Divest: Global Money Transfers
Seamless Cross Border Payments
Free

Facilitate international payments and currency exchanges with competitive rates and low fees. Receive funds in multiple currencies and send money across borders, including to various African markets. Supports withdrawals to bank accounts and mobile money services.

Receive USD, GBP, EURCross-border money transfersCompetitive exchange rates
💰 Finance
(3K)
free
9
MiniPay: Easy Global Wallet
MiniPay: Easy Global Wallet
MiniPay: Easy Global Wallet
Global payments for everyone
Free

Send money globally with fast, affordable, and secure digital transactions. This self-custodial wallet allows you to manage and send funds to over 52 countries, supporting local currencies and payment methods with near-zero fees.

Instant global money transfersSupport for 52 countriesNear-zero fees on transactions
💰 Finance
(517)
free
10
Moniepoint Personal Banking
Moniepoint Personal Banking
Moniepoint Personal Banking
Savings account | Send money
Free

This app provides a secure and convenient way to manage your finances in Nigeria. Open an account, send and receive money instantly, pay bills, buy airtime, and grow your savings with competitive interest rates. It offers a comprehensive digital banking solution for everyday financial needs.

Open bank account instantlySend and receive money fastEarn up to 18% interest on savings
💰 Finance
(33K)
free