Send to anyone, pay every bill, and shop online — all from one app that keeps up with how you actually spend.
Good afternoon
Amara
Total balance
₦248,300
Recent
Payment successful
₦2.4B+
Moved through Payth
50k+
People already using it
4.9★
Average early rating
What you can do
No more switching between five apps to move, pay, and track your money.
Move money to anyone, any bank, in seconds — no waiting for "processing."
Electricity, airtime, cable, internet — scheduled or paid on the spot, with reminders before due dates.
Tap to pay in-store or checkout online, backed by the same card wherever you spend.
Every naira categorized automatically, so you always know what's happening with your money.
Getting started
01
Sign up with your phone number and a few details. Takes about two minutes.
02
Add money from any bank card or transfer — it lands instantly.
03
You're set. Use Payth exactly like you'd use cash — just faster.
Trust, not an afterthought
We built Payth the way we'd want our own money handled — carefully, transparently, and with nothing hidden in the fine print.
Bank-grade encryption
Every transaction is encrypted end to end, on every device.
Licensed & regulated
Payth operates under applicable financial regulations, not around them.
You're always in control
Freeze your card, set limits, or log out of every device in one tap.
From early users
"I used to keep three different apps open just to pay rent, buy data, and check my balance. Payth is the first one that actually feels like it was made for how I live."
Amara Chukwu
Small business owner, Lagos
"The bill reminders alone are worth it. I haven't paid a late fee on my electricity since I started using Payth."
Chidi Obi
Software developer, Abuja
"Sending money to my mum used to mean a bank app that froze every other transfer. Payth just... works, every single time."
Fatima Bello
Graduate student, Kano
Yes. Your funds are held securely and every transaction is encrypted end to end. We never store your card details on your device.
Sending to other Payth users is free. Transfers to external banks carry a small, clearly shown fee before you confirm — never a surprise.
Electricity, airtime, data, cable TV, and internet subscriptions, with more providers added regularly.
We're onboarding early users now. Join the list below and we'll let you know the moment it's your turn.
Join the early users already sending, paying, and shopping with Payth.
Coming soon to the App Store & Google Play