One app, not seven
Everything money, in one place.
Accounts, cards, savings, investments, bills, transfers and a credit line — one login, one wallet balance, one export. No more juggling three bank apps to move ₦20k.
Pady Personal
Your modern financial companion.
One premium app for spending, saving, paying bills, school fees, insurance, credit and dollar investing — designed for ambitious people who want their money to keep up with their life.
Military-grade encryption NGN, USD, GHS wallets 4.9 · early access
Everything money
One app. Your whole financial life.
Spend, save, invest, send and get paid — without the friction of jumping between five apps.
One premium account
Free Nigerian account that opens in 60 seconds — no paperwork, no minimum balance, no monthly fee.
Send & receive 24/7
Instant NIP transfers on Sundays, public holidays and at 3am. Money moves the moment you tap.
Virtual & physical cards
Issue NGN and USD cards instantly. Freeze, set limits and switch online/contactless from the app.
Savings & goals
Lock money behind a goal, hit it on schedule, and earn up to 12% APY on Padyvest.
Strategic investing
Build a balanced portfolio across USD treasuries, mutual funds and high-yield vaults — all from one app.
Rewards
Earn points on every tap, bill and transfer. Redeem for cashback, data, flights or fee waivers.
Pady Pulse
Your personal finance manager — that actually manages.
Pady Pulse reads every transaction across your accounts and quietly does the maths in the background — budgets, subscriptions, cashflow, savings, and where your money is leaking. A money brain that gets smarter the more you use it.
- Smart budgets that learn your spend
- Subscription radar — cancel in a tap
- Net worth, live, across every account
- Cashflow forecast for the next 30 days
- Weekly money brief in plain English
- Goal coaching: rent, japa, wedding, ride
This month
₦ 482,300
12% under budget
Food & groceries26%₦82,400
Transport17%₦54,200
Subscriptions6%₦18,900
You spent ₦14k on rides to one address this month — book a monthly pass and save ₦8,400.
Bills, sorted
Every bill. One tap. Never late.
Electricity, data, airtime, cable, water — paid instantly with cashback on the bills you'd pay anyway.
Live · Lagos
3,200 bills paid in the last hour
All discos
Electricity
IKEDC, EKEDC, AEDC, PHED & more. Tokens in 5 seconds.
Auto-top-up
Data & internet
MTN, Glo, Airtel, 9mobile, Spectranet, Smile — auto-renewals.
2% back
Airtime
Schedule it. Share it. Earn cashback on every recharge.
One-tap renew
TV & lifestyle
DStv, GOtv, StarTimes, Showmax, Netflix — all in one place.
Education
From JAMB to graduation — funded in one app.
Pay JAMB and WAEC fees without the queue. Settle tuition for primary, secondary and university directly. Spread school fees with an interest-friendly Pady plan and never miss a resumption deadline again.
JAMB & WAEC registration
Tuition for 5,000+ Nigerian schools
International school payments in USD
Spread fees over 3, 6 or 12 months
Save towards term fees in a locked vault
Receipts auto-filed for tax claims
Funded by Pady
Chiamaka's first year at UNILAG
School fees · Term 2
Greenfield Academy
Tuition₦ 420,000
Books & uniform₦ 58,500
PTA & development₦ 22,000
Pady plan: 6 instalments
₦ 83,400/month · next on May 5. No late fees, ever.
Pady Cover
Insurance that protects what actually matters.
Underwritten by NAICOM-licensed partners. Bought in a tap. Claims processed in days, not months.
Bola · Uber partner, IkejaFrom
₦15,000/ year
Car insurance
Third-party from ₦15,000/year. Comprehensive cover for cars, SUVs and ride-share. Instant cover note.
Get a quote
The Adeyemi family · AbujaFrom
₦7,500/ month
Health insurance
Family HMO plans with 1,200+ hospitals nationwide. Outpatient, in-patient, dental and optical.
Get a quote Pady Credit Line
A credit line built on your real money behaviour.
The more you use Pady — salary, bills, savings, investments — the stronger your Pady Credit Profile gets. Unlock a revolving credit line you can draw in seconds and repay on your own schedule. No collateral. No queue.
Up to ₦5M revolving limit
Funds in your wallet in 60 seconds
Repay early — zero penalty
Build your score with every smart move
Pady Credit Profile
Tomi Adekunle · Creator
782
Excellent · +24 this month
Available credit line
₦ 1,850,000
On-time bill payments12 / 12
Savings consistencyStrong
Income stabilityVerified
Built for the way you live
Small details. Big lifts.
We sweat the things other banks ignore — the swipe, the search, the wait, the alert that arrives an hour late. The result feels obvious only after you've used it.
- Open with just BVN, phone and a selfie — no utility bill
- Instant virtual card the moment you sign up
- Real-time alerts and automatic categorization on every spend
- Smart budgets that learn how you actually spend
- Hidden vaults, locked savings and joint goals with friends
- Travel-ready USD wallet and FX at near-mid-market rates
Tap to pay
Leave the wallet. Tap and go.
Add your Pady card to Apple Pay, Google Wallet or your smartwatch in seconds. Pay anywhere contactless is accepted — at the till, on the bus, at the pump — with one tap.
Apple Pay Google Wallet Apple Watch Wear OS Samsung Pay Garmin Pay
Tokenised — your real card number stays hidden
Face ID / fingerprint on every transaction
Real-time alerts the moment a tap lands
Works offline on watch, syncs when you're back
Pady Wallet
ReadyPady
Virtual · NGN
•••• 4827
Tap detected
Shoprite · Lekki
₦ 4,820
Approved in 0.4s · Face ID
Why Pady
Built to replace three apps and one bank branch.
Tap-to-pay, tap-to-collect
Move money in seconds.
Send to any Nigerian bank in under 3 seconds. Collect payments over NFC — customers tap their phone or card to yours and the money lands before they walk away.
Dollars that earn while you sleep
PadyVest, in USD.
Save and invest in dollars from ₦5,000. Target yields up to 12% APY, weekly compounding, and withdrawals back to Naira at near mid-market FX whenever you want.
Get started
Your money, finally on your side.
Be first in line when Pady Personal opens. Free for life, premium when you want it.