Open your Pady Account
Opening a Pady account is designed to feel as fast as sending a WhatsApp message. No branch visit, no passport photos, no long forms. Here is exactly what happens from the moment you tap Create account.
- 1
Download the app
Grab Pady from the App Store or Google Play. The download is under 40MB and works on any phone running iOS 14 or Android 8 and above.
- 2
Enter your phone number
We send a 6-digit code by SMS. If the network is slow, tap Resend after 30 seconds — we can also place a voice call with the code.
- 3
Add your BVN and date of birth
Your BVN is used only to confirm it's really you. We match against the national database in seconds and never store your PIN.
- 4
Set your PIN and biometrics
Choose a 6-digit PIN you'll remember. Turn on Face ID or fingerprint so you never have to type it during checkout.
- 5
Fund your wallet
Transfer any amount from another Nigerian bank to your new Pady account number, or top up with a debit card. First inbound transfer credits instantly.
- Use the same phone number that's linked to your BVN — it skips an extra verification step.
- Upgrade to Tier 3 later by adding a valid ID and a selfie. This raises your daily limit to ₦5,000,000.
Frequently asked
Do I need a utility bill?
Not to open an account. You only need a valid ID and a selfie when you upgrade to Tier 3.
What if I don't have a BVN?
You can still open a Tier 1 wallet with limits of ₦50,000 per day. Get a BVN at any bank branch — it's free and takes 15 minutes.