AppiaPay · the personal app
One wallet. Every bill. No nonsense.
A naira wallet you fund from any bank app, free transfers to any Appia username, and every bill in Nigeria in one place — with no service fee.
Run a business? See Appia Gateway →
- ₦0 Appia → Appia
- Transfer fee never above ₦55
- ₦0 bill service fee
- First 3 transfers free daily
01 — Fund it
Your own account number, in your own name.
At Tier 2 and above you get a dedicated account number in your own name. Fund it from any bank app, internet banking or USSD. Need a one-off? Generate a single-use account number at any tier.
Credited the moment the bank settles — with the Electronic Money Transfer Levy shown as its own line, not buried inside the amount so the maths stops working.
02 — Send & spend
The name confirmed before you send.
- To any Appia @username
- ₦0, instantly. No fee, no wait.
- To any Nigerian bank
- First 3 transfers of ₦5,000 or less each day are free. After that ₦15 up to ₦5,000, ₦25 up to ₦50,000, ₦55 above — never more than ₦55.
- Confirmed, not assumed
- Status re-checked with the bank 45 seconds after the money leaves. Providus-to-Providus is instant.
- Cash out
- One tap to your saved account.
03 — The card
One balance. Not two.
The Appiawave Verve card spends straight from your wallet balance, so there is no separate card balance to remember to fund. Request it in-app, set your own PIN, and freeze or unfreeze it instantly.
First 3 card transactions each month carry no Appia fee, then ₦50 each.
04 — Bills
Every bill. No service fee. At all.
Airtime
MTN · Glo · Airtel · 9mobile
Data
5 catalogues
Priced live from the network.
Electricity
9 discos
Prepaid and postpaid. Token returned instantly and re-fetchable later.
Pay-TV
DStv · GOtv · StarTimes
We verify the meter or smartcard and show you the registered customer name before any money moves. If a provider fails, it is reversed to your wallet automatically.
Every bill gets a proper receipt by email, push and in-app.
05 — Appia Coins
Earn on every purchase.
20 on airtime, 10 on data, 5 on pay-TV, 2 on electricity. Redeem them for real airtime and data.
Refer a friend and get 2,000 coins when they pay their first bill of ₦1,000 or more.
06 — Tiers
Verify more, send more.
| Tier | You add | Per transaction | Unlocks |
|---|---|---|---|
| 1 | Email + phone | ₦50,000 | Appia transfers, airtime, data, bills |
| 2 | BVN | ₦5,000,000 | Bank transfers in and out, plus your own dedicated account number |
| 3 | NIN + address | No ceiling | Everything |
Per-transaction ceilings.
Escrow and investments
Escrow
Buying from a stranger on Instagram?
Escrow holds the money: it leaves the buyer’s balance and is held until the buyer presses release. Either side can raise a written dispute for our team to adjudicate.
1.5% per side, minimum ₦100
Investments
The return shown before you commit a naira.
Fixed-term plans with the return and tenor stated up front. Returns accrue daily, so you watch them build rather than waiting until maturity. Matured payout is instant, automatic and penalty-free: principal plus everything earned.
Tier 1 is capped at ₦100,000 per subscription until you verify further.
07 — Security
A PIN on every money movement.
Transaction PIN
4 digits
Three wrong attempts and the wallet locks until our team unlocks it.
Overdraw
Not possible
Debits can never take the balance below zero.
Unknown inbound
Held for review
Money sent from an unusual source is held, and money sent to an unknown account is returned to the sender.
Money that behaves.