Best Mobile Payment App Nigeria

220+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated June 2026

The best mobile payment app Nigeria apps on iPhone average 4.4★ across 220+ titles — we've ranked them by what real users actually keep on their phones. Updated June 2026.

Top Picks for Mobile Payment App Nigeria

Kuda - Free transfer & payment#1

Kuda - Free transfer & payment by Kuda Technologies Limited

Pay, save & invest money
Editor's Choice
💰 Finance
4.7😞(133K ratings)
Free
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Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

What We Love

  • 🚀 Easy to Use
  • 👍 Ease of use
  • 🚀 Exceptional Service
  • 🚀 Smooth Banking

Room to Improve

  • 🐛 Locking Users Out Through Forced Updates
  • 🐛 Face ID Not Working
  • 🐛 Debit But Not Credited
iMobile: Loan, Cards & Banking#2

iMobile: Loan, Cards & Banking by ICICI Bank Ltd

Loans, Cards, Payment & FASTag
Strong Contender
💰 Finance
4.8😞(63K ratings)
Free
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This banking app provides over 400 services, including loans, savings accounts, fund transfers, and card management. It allows users to manage investments, make payments, recharge services, and book travel. Features include budgeting tools, rewards, and 24/7 chatbot assistance.

What We Love

  • 🚀 Convenient and fast
  • 👍 User-friendly interface
  • 🔒 Secure banking experience
  • 🚀 Handy for day-to-day banking

Room to Improve

  • 🐛 Crashes and stability issues
  • 🐛 Unreliable UPI payments
  • 🐛 Inconsistent user experience
PocketApp: Send & Manage Money#3

PocketApp: Send & Manage Money by Abeg Technologies

Abeg Technologies
Worth Considering
💰 Finance
4.7😞(8.8K ratings)
Free
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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.

What We Love

  • ⚡ Fast transactions
  • 🤝 Reliable service
  • 💳 Convenient mobile banking
  • 💰 Offers cashback

Room to Improve

  • 🐛 Bugs and glitches
  • 🤖 Poor customer service
  • 🔒 Security and account issues

More Mobile Payment App Nigeria apps to explore

4
MoMo App
MoMo App
MoMo App
Your Ultimate Financial App
Free

Manage all your finances in one place with this comprehensive financial app. It offers secure login, money transfers, bill payments, loans, and virtual cards for convenient transactions and online shopping.

All financial needs in one placeSecure biometric loginSend and receive money
💰 Finance
(1.1K)
free
5
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
Instant Loan App For Fast Cash
Free

This app provides instant cash loans and flexible repayment plans for individuals and businesses. It also offers savings features with high interest rates and a secure ATM card for seamless transactions. Enjoy transparent financial services with no hidden charges.

Instant cash loans up to NGN 3,000,000Flexible repayment plans (30-180 days)Savings with up to 30% interest
💰 Finance
(14K)
free
6
Airtel App: Recharge & Bank
Airtel App: Recharge & Bank
Airtel App: Recharge & Bank
Bill Payment, Recharges, UPI
Free

Manage all your Airtel services, including mobile recharges, bill payments, and banking. Explore 5G Plus speeds, pay utility bills, and access exclusive offers and cashback.

Mobile prepaid and postpaid rechargesDTH and broadband bill paymentsUPI money transfer and QR payments
🌟 Lifestyle
(16K)
free with in-app purchases
7
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Save Money|Transfers| Loans
Free

Manage your finances with a digital bank offering easy money management, high-interest savings, accessible loans, and a buy now, pay later option. Enjoy secure banking with real-time alerts and a customizable debit card.

High-interest savings accountsAccessible instant loansBuy Now, Pay Later (0% interest)
💰 Finance
(10K)
free with in-app purchases
8
Sentz – The Global Payment App
Sentz – The Global Payment App
Sentz – The Global Payment App
Send, Save & Earn Stablecoins
Free

Instantly send and receive money globally with a secure, self-custodial wallet. Save on exchange fees and transact in a stable currency. Create and send invoices or payment requests easily.

Create wallet in secondsInstant global money transfersSelf-custodial wallet
💼 Business
(301)
free with in-app purchases
9
SuperQi
SuperQi
SuperQi
Your all-in-one super app
Free

This all-in-one digital lifestyle partner simplifies cashless transactions in Iraq and globally. It offers money transfers, scan-to-pay, bill payments, e-commerce, and mobile recharge. Access Qi bank accounts, manage finances, and discover integrated mini-apps for a seamless daily experience.

Cashless digital transactionsMoney transfersScan-to-pay functionality
🌟 Lifestyle
(9.3K)
free
10
myMTN NG
myMTN NG
myMTN NG
MTN
Free

This app provides MTN Nigeria customers and non-customers access to a wide range of MTN products and services. It offers a streamlined shopping experience for managing accounts, purchasing airtime and data, and accessing lifestyle content like news and entertainment.

Login with social media or MTN numberBuy or borrow airtime and dataReal-time account balances
📊 Productivity
(14K)
free
11
Skrill - Pay & Transfer Money
Skrill - Pay & Transfer Money
Skrill - Pay & Transfer Money
Fast, secure online payments
Free

Easily send money globally, make secure online payments, and manage your finances. This app offers fast, cheap, and secure transactions, with options for a prepaid Visa card and multiple funding methods. Receive real-time notifications and enjoy customer support in your language.

Global money transfersSecure online paymentsSkrill VISA® Prepaid Card
💰 Finance
(23K)
free with in-app purchases
12
MoMo PSB
MoMo PSB
MoMo PSB
Better than cash.
Free

Access a wide range of financial services and MoMo products with this user-friendly app. It offers secure, fast, and convenient control over your finances, allowing you to send money, buy airtime, pay bills, and more, all without data charges.

Send and receive moneyBuy airtime and dataPay bills
💰 Finance
(4.7K)
free
13
GTWorld
GTWorld
GTWorld
by GUARANTY TRUST BANK PLC
Free

Manage your mobile banking and finances with a redesigned application. Open accounts, transfer money, pay bills, and buy airtime all in one place. Features include biometric login, incognito mode, and card controls.

Open new accounts with selfie verificationBiometric and facial recognition loginIncognito mode to hide balances
💰 Finance
(42K)
free
14
FirstMobile App
FirstMobile App
FirstMobile App
by First Bank of Nigeria Limited
Free

This official mobile banking app offers convenient access to financial and non-financial transactions for account holders. It features a DIY enrollment process, allowing new customers to open accounts and existing customers to register without visiting a branch.

Financial transactionsNon-financial transactionsDIY enrollment
💰 Finance
(1.7K)
free
15
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
(28K)
free
16
Chipper Cash
Chipper Cash
Chipper Cash
Send or Request Cash in Africa
Free

Send and receive money instantly and for free across town or across Africa. This app facilitates fast, fee-free local transfers and offers competitive rates for cross-border transactions. It also allows for discounted airtime purchases and bill payments.

Free local money transfersLow cross-border ratesBuy discounted airtime with cashback
💰 Finance
(14K)
free
17
FNB Banking App
FNB Banking App
FNB Banking App
by FirstRand Bank Limited
Free

Experience award-winning, secure, and personalized digital banking. This app offers intelligent search, customizable features, and innovative payment options for effortless financial management. Access verified statements and make secure transactions on the go.

Intelligent search for quick accessCustomizable home screenSecure PIN and biometric login
💰 Finance
(8.5K)
free
18
Jiji Nigeria
Jiji Nigeria
Jiji Nigeria
Buy & Sell Online
Free

This app allows users to buy and sell a wide variety of items across Nigeria. It facilitates easy online deals, offers secure payment options like pay on delivery, and provides tools for sellers to promote their products and businesses. Users can also find job openings and order services.

Browse millions of ads in 16 categoriesPay on delivery after inspectionPost ads easily to sell items
🛍️ Shopping
(1.1K)
free with in-app purchases
19
LemFi
LemFi
LemFi
Global payment for everyone
Free

Send money overseas easily and affordably to loved ones in Europe, Africa, Asia, and Latin America. Manage and exchange money in multiple currencies with competitive rates and low or zero transfer fees. Earn rewards by referring friends.

Send money overseasLow or zero transfer feesMulti-currency account
💰 Finance
(68K)
free
20
Privat24 – mobile bank
Privat24 – mobile bank
Privat24 – mobile bank
Payments.Cashback.Loan.Deposit
Free

Manage your finances with this comprehensive mobile banking app. Perform payments, transfers, and manage loans and deposits. Track expenses, earn cashback, and access various financial services online.

Online payments and money transfersLoan and deposit managementCashback and loyalty programs
💰 Finance
(8.5K)
free