Send money
Anywhere Instantly.
Send money Anywhere Instantly.
Bank transfers, mobile money, and peer-to-peer payments - landed in seconds, right from your pocket. No queues, no delays, no excuses.
ZojaPay
ZOJAPAYACC
Access BankYou send
₦50,000.00
They receive
₦50,000.00
Delivered to Access Bank in 0:09s
LIVE
Settles instantly via NIP
Works with Every Major Nigerian Bank
Money moves at the
speed you actually need.
Fintech designed for realities on the ground in Nigeria. Experience payments that settle instantly, without the typical friction.
Instant Transfers
Money reaches your recipient in under 5 seconds, 24/7, 365 days a year. No cut-off times, no next business day excuses.
NIBSS-POWERED
Instant Transfers
Money reaches your recipient in under 5 seconds, 24/7, 365 days a year. No cut-off times, no next business day excuses.
NIBSS-POWERED
Permanently Free
Send ₦100 or ₦5,000,000 — the fee is ₦0. Not a promotional offer. Not a limited period. Just free, permanently.
ZERO CHARGES
Permanently Free to ZojaPay Users
Send ₦100 or ₦5,000,000 — the fee is ₦0. Not a promotional offer. Not a limited period. Just free, permanently.
ZERO CHARGES
Scheduled & Recurring
Automate rent, salary, monthly support. Set a date, set an amount — ZojaPay sends it without you lifting a finger each month.
SET & FORGET
Scheduled & Recurring
Automate rent, salary, monthly support. Set a date, set an amount — ZojaPay sends it without you lifting a finger each month.
SET & FORGET
Saved Beneficiaries
Store Mum, Landlord, staff — anyone you send to regularly. Two taps and they are paid, every single time.
ALWAYS READY
Saved Beneficiaries
Store Mum, Landlord, staff — anyone you send to regularly. Two taps and they are paid, every single time.
ALWAYS READY
Instant Receipts
Every transfer generates a time-stamped receipt you can share to WhatsApp, save as PDF, or forward as proof of payment — instantly.
SHAREABLE PROOF
Instant Receipts
Every transfer generates a time-stamped receipt you can share to WhatsApp, save as PDF, or forward as proof of payment — instantly.
SHAREABLE PROOF
Stop Just Paying Bills.
Start Getting Paid.
Electricity, data, cable - download ZojaPay once and every bill you ever pay earns real cashback straight to your wallet. No points. No expiry. No stress.
DSTV Compact
₦10,800
+₦162.00 back
AIRTEL 10GB Data
₦3,500.00
+₦52.50 back
MTN 10GB Data
₦3,500.00
+₦52.50 back
EKEDC Prepaid
₦15,000
+₦225.00 back
DSTV Compact
₦10,800
+₦162.00 back
AIRTEL 10GB Data
₦3,500.00
+₦52.50 back
MTN 10GB Data
₦3,500.00
+₦52.50 back
EKEDC Prepaid
₦15,000
+₦225.00 back
Stop Just Paying Bills.
Start Getting Paid.
Electricity, data, cable - download ZojaPay once and every bill you ever pay earns real cashback straight to your wallet. No points. No expiry. No stress.
Send. It lands.
Before you blink.
Our instant settlement infrastructure handles payments with bulletproof reliability, working with the NIBSS network to bypass standard bank queues.
Recipient gets a bank alert before you've put your phone down
Full transaction receipt generated instantly — shareable on WhatsApp
Cashback credited to your wallet on every successful transfer
Zero transfer fees to Zojapay user — not hidden, not conditional, not limited
Every transfer earns you money back.
Unlike standard banks that penalize you for transactions, ZojaPay values your loyalty. Get real cash credited directly to your wallet for peer-to-peer payments and utility payments.
Instant cashback on every bill settled
Milestone bonuses for persistent savers
CASHBACK DISBURSED TO DATE
₦842,400+
Earned by over 20,000 active users making payments on the grid daily. Download the app to check your eligibility.
<10s
Average Transfer Speed
100,000+
Transfers Completed
99.98%
Transfer Success Rate
₦0
Transfer Fees to ZojaPay Users
Three Taps between you and a Completed Transfer.
Create Your Account
Sign up with your phone number in under 3 minutes. No branch visits, no paperwork - just you and your phone.
Add Your Recipient
Enter a bank account number, phone number, or pick from your saved contacts. We auto-verify the name before you send.
Send - Money Arrives Instantly
Enter the amount, confirm with your PIN, and done. Your recipient gets notified the moment money lands.
YOUR COMPLETE TRANSFER TOOLKIT
Beyond Transfers. Cards, Loans, Bills - One App.
One app for everything - send money in seconds, pay your bills, access credit, and spend anywhere with your Zoja card.
Your whole transfer toolkit, one tap away.
The Zoja card works everywhere money moves - send to any Nigerian bank account, pay merchants locally or internationally, and freeze it in one tap if anything feels wrong.
Send to all 40+ Nigerian banks instantly.
Zero fees for ZojaPay-to-ZojaPay transfers.
Send money 24/7 - even on weekends and holidays.
Send, Receive, Repeat
Secure Payment
Easy Delivery
Easy Control
Instant Transfer
Four taps. Done.
Paying friends, business partners, or utility bills shouldn't feel like manual labor. We've condensed the flow to its absolute simplest.
- Step 0101Choose who to pay
Pick from saved beneficiaries or search. Auto-fills bank details immediately.
- Step 0202Enter the amount
Type in any custom value or pick a preset. Real-time balance shows on screen.
- Step 0303Confirm & Pay
Double check details and authorize securely with your fingerprint or 4-digit PIN.
- Step 0404Delivered in seconds
The transaction completes instantly and notifies you with an immediate receipt.