DuraPay

Transfers · Cards · Bills · FX

Send, pay and spend. All in one app.

Move money to any bank, buy airtime and data, pay for cable and electricity, convert currency and shop online with a virtual card.

Download the appSee what you can do

One app for the money you move every day.

Transfers, cards, currency and bills, all from the same balance.

Everything is one tap from home.

Tap the button in the middle of the tab bar and every service opens in one menu. No hunting through settings to pay a bill.

  • Scan & Pay

    Scan a DuraPay QR code to pay a person or a business.

  • Rewards

    Earn rewards as you use DuraPay for everyday payments.

  • Account tiers

    Verify more details to move up a tier and unlock higher limits.

  • Full history

    Every transaction, with its status and a shareable receipt.

  • In-app support

    Reach the support team straight from the home screen.

DuraPay quick actions menu

Up and running in three steps.

Set up and verify your account, add money, then use it however you need. You stay in control of every step.

  1. 01

    Create and verify your account

    Sign up with your phone number and confirm the code we send. Then verify your identity with your BVN or NIN, which the CBN requires for every account.

    • Your phone number
    • A code sent to confirm it's you
    • Your BVN or NIN for identity verification
  2. 02

    Get your account number

    Once you're verified you get your own account number. Send money to it from any bank and it lands in your DuraPay balance.

    • Your own account number for funding
    • Your balance shows on the home screen
    • Higher tiers unlock higher limits
  3. 03

    Send, pay and spend

    Use your balance for transfers, bills, airtime and data, currency conversion and your virtual card. You see every fee before you confirm.

    • Transfers to any Nigerian bank
    • Airtime, data, cable and electricity
    • Virtual cards and currency conversion

Simple fees, shown before you send.

Bank transfers cost ₦10. From ₦10,000, the government's ₦50 stamp duty is added. No hidden charges, and the total is on screen before you confirm.

Open the fee calculator

Under ₦10,000

₦10.00

Transfer fee only

₦10,000 and above

₦60.00

₦10.00 fee + ₦50.00 stamp duty

Built to be trusted with your money.

  • Licensed partner bank

    Accounts and transfers are provided with a partner bank licensed by the Central Bank of Nigeria (CBN).

  • Verified accounts

    Every account is verified with a BVN or NIN.

  • PIN on every payment

    Transfers, bills and card actions all need your transaction PIN.

  • Fees upfront

    You see the fee and the total before you confirm anything.

Frequently asked questions

The quick answers to what people ask most.

What can I do with DuraPay?

Send money to any Nigerian bank or DuraPay user, buy airtime and data, pay for cable TV and electricity, convert currency, and pay online with a virtual card. It all runs from one balance.

How much does a bank transfer cost?

Transfers under ₦10,000 cost ₦10. From ₦10,000, it's ₦10 plus the ₦50 stamp duty. You always see the fee and the total before you confirm.

How do I add money to DuraPay?

Once your account is verified you get your own account number. Transfer to it from any bank app and the money lands in your DuraPay balance.

How do I get a virtual card?

Open Cards in the app and create one. Fund it from your balance and use it for online shopping and subscriptions. You can freeze it at any time.

Do I need a BVN or NIN?

Yes. We verify every account with your BVN or NIN, as required by the CBN. Verifying more details moves you up a tier and raises your limits.

Is DuraPay licensed?

DuraPay provides its services with a partner bank licensed by the Central Bank of Nigeria (CBN).

Ready to move money the easy way?

Download DuraPay, verify your account and make your first transfer in minutes.