Send Money
Send money to other NairaFlow users or to a Nigerian bank account.
The faster way to move money
Send money to any bank, buy airtime and pay your bills from your phone.
- RC: 9864120
- Secure
- Fast
Secure authentication
Transaction PIN
Account protection
Verified transactions
Your account and personal details are protected by secure sign-in and transaction checks.
What you can do
What you can do with NairaFlow
Add Money
Top up your wallet and start spending.
Pay Bills
Pay your bills without leaving the app.
Airtime & Data
Buy airtime and data for yourself or someone else.
Electricity
Buy prepaid electricity and get your token right after payment.
TV
Renew your TV subscription in a few taps.
NairaFlow services
More ways to use NairaFlow
Save money, send gifts, sell gift cards and fund betting accounts with the same wallet.
Flow Vault
Lock money away for a period you choose and get your reward upfront.
- Start from ₦1,000
- Choose a lock period
- Reward paid upfront
- Locked until your selected unlock date
- See your Vault in your account
Flow Gift
Send cash to another NairaFlow user with their NairaFlow ID or phone number.
- Pick an occasion
- Write a message
- Preview your gift card
- NairaFlow to NairaFlow only
Sell Gift Cards
Sell your gift cards and get paid in Naira.
- Trade supported gift cards
- See your trade history
- Withdraw your gift card balance
Betting
Fund your betting account from your wallet.
- Choose from supported betting sites
- See your betting payments
- Availability depends on the provider
One wallet for more than payments
Move money and pay bills, then lock some away in Flow Vault, send a Flow Gift, sell a gift card or fund a betting account. It all runs from your NairaFlow wallet.
Flow Ads
Promote your business with an image, an audience and a budget. Every ad is reviewed before it runs.
App experience
Your money, on your phone
See your balance, send money, pay bills and check your history. Install it on your phone to open it like any other app.
How NairaFlow works
Start in three steps
- 01
Create Your Account
Sign up with your phone number and verify your identity.
- 02
Open or install the app
Use it in your browser, or add it to your home screen to open it faster.
- 03
Start sending and paying
Fund your wallet, send money and pay your bills.
Security
How we protect your money
Secure sign-in
Transaction PIN on every payment
One-time codes when needed
Every transaction checked on our servers
Session and device protection
Licensed payment partners
Round-the-clock transaction monitoring
Safe app installation
Payments
Pay and get paid in Naira
Send money, receive bank deposits and pay bills. Every payment shows its status, and you can download your records.
- Transfers to Nigerian banks
- Airtime and data
- Electricity and TV
- Full transaction history
- Downloadable statements
Add NairaFlow to your home screen
Open NairaFlow straight from your phone, like any other app.
FAQ
Questions, answered
What is NairaFlow?
NairaFlow is an app for sending money, receiving payments and paying bills. It is not a bank. Regulated services are provided by licensed partners.
How do I create an account?
Tap Create Free Account, sign up with your phone number and verify your identity. It takes a few minutes.
Can I send money to a bank account?
Yes. You can send to other NairaFlow users and to Nigerian bank accounts.
Can I pay bills with NairaFlow?
Yes. Buy airtime and data, pay electricity and renew your TV subscription from your wallet.
How is my account protected?
You sign in securely and approve payments with your transaction PIN. We send one-time codes when needed and check every transaction on our servers.
How do I install NairaFlow?
On Android or desktop, tap Install App and confirm. On iPhone or iPad, open NairaFlow in Safari, tap Share, then Add to Home Screen.
How do I contact support?
Message us on WhatsApp at +234 707 520 0342, or use Report a Problem inside the app.
Your money, your way
Create your account in minutes, or install the app to open it faster.