Your modern financial companion.
One premium app for spending, saving, paying bills, school fees, insurance, credit and dollar investing — designed for ambitious Nigerians who want their money to keep up with their life.
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.
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
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
Electricity
IKEDC, EKEDC, AEDC, PHED & more. Tokens in 5 seconds.
Data & internet
MTN, Glo, Airtel, 9mobile, Spectranet, Smile — auto-renewals.
Airtime
Schedule it. Share it. Earn cashback on every recharge.
TV & lifestyle
DStv, GOtv, StarTimes, Showmax, Netflix — all in one place.
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.
Funded by Pady
Chiamaka's first year at UNILAG
School fees · Term 2
Greenfield Academy
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 quoteA 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.
Pady Credit Profile
Tomi Adekunle · Creator
Excellent · +24 this month
Available credit line
₦ 1,850,000
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
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.
Pady Wallet
ReadyVirtual · NGN
•••• 4827
Tap detected
Shoprite · Lekki
₦ 4,820
Approved in 0.4s · Face ID
From real doers
People are switching. Quietly.
"I closed three bank apps the week I joined Pady. Everything I actually use is in one place."
"Customers tap their phone to mine and the money is in my wallet before they walk away. Wild."
"Padyvest pays me 12% in dollars while I sleep. The app feels like a luxury watch."
Get started
Your money, finally on your side.
Be first in line when Pady Personal opens. Free for life, premium when you want it.