Swift,Secure,Seamless
Fast, secure, and compliant banking services designed to scale your business and empower your personal finances.
Regulated & Trusted
Everything you need in one app
Experience next-generation banking with features designed to make your financial life easier.
Seamless Payments
Make payments anywhere, anytime. Shop online and in-store with zero hassle.
Bills & Utilities
Pay for utilities, subscriptions, and gift cards all in one place. Never miss a payment.
Bank Transfers
Enjoy free transfers every day. Send money to any Nigerian bank instantly.
Smart Savings
Set automatic savings rules. We'll help you save every time you spend or receive money.
Three products. One PayRep ecosystem.
Choose the product that fits your needs, from personal banking to business operations and embedded finance.
PayRep Gateway (BaaS)
Embed financial products with APIs for accounts, payments, and transfers.
Learn moreYour phone + PayRep Mobile = Smooth Transactions.
We built a powerful financial platform for your business and personal needs. Experience instant transfers, smart savings, and seamless payments — all in one place.
Free to download. No hidden fees.
Your Money, Your Control
Spend, save, and send money—your way. No hidden fees, no hassle. Just seamless financial freedom, powered by us.
Quick Transfer
Send money instantly to anyone, anywhere
Debit Cards
Get the best debit cards for your online and offline payments
Bill Payments
Pay utilities and bills in one place
Smart Savings
Automated savings with great returns
Scheduled Payments
Set up recurring transactions
Fixed Deposit
Lock funds and earn higher interest
Smart saving, built into every transaction.
Set your savings goal and watch it grow. With every transaction, a percentage is automatically set aside—turning everyday spending into long-term security.
Automatic Savings
Save a percentage of every transaction automatically
Flexible Rates
Choose from our flexible savings product and earn handsomely
Great Returns
Earn up to 16% annual interest on your savings
Current Balance
₦25,040.53
Percentage to Save
Total Saved
₦145,230.45
Interest Earned
₦12,433.21
24/7 Support, Always Here For You
Choose how you want to reach us. Whether its a quick chat, email, or call, we are here to make your banking experience smooth and worry-free.
< 2
Minute Response
24/7
Availability
100%
Resolution Rate
Support Team Online
Backed by Global Leaders
We have partnered with the worlds leading financial institutions and investors to bring you the best banking experience.
NIBSS
Interswitch
Premium Trust
VFD
UBA
Choose the freedom you need
Compare and see why PayRep is the smarter choice for your banking needs
More Ways to Grow
Discover powerful tools and features designed to help your business thrive
PayRep Merchant
Power your business with our complete merchant suite. Get a POS, manage bulk transfers, handle payroll, and more.
Transfer & Spend
Send money instantly to any Nigerian bank account with daily free transfers.
Quick Loans
Access instant loans for your business needs. No paperwork, quick approval, flexible repayment.