One page. Every fee. No asterisks.
Pick the plan that matches your life or your business. Free to start, premium when you want it — and the same transparent rules whether you're spending ₦10k or moving ₦10M.
Your everyday money, free for life.
- Free NGN account, zero monthly fees
- Instant virtual card on signup
- ₦10 outbound transfers, free inbound
- Up to 5 savings goals
- Bill payments with cashback
- Tier-3 transaction limits
More limits. More dollars. More everything.
- Everything in Pady
- Metal card with concierge
- 0% FX on first $1,000 / month
- Up to 12% APY on Padyvest
- Higher transfer & spend limits
- Priority chat support
For high-net-worth individuals.
- Dedicated banker
- Private wealth desk
- Bespoke FX & USD treasuries
- Airport lounge access
- Family sub-accounts
- 24/7 concierge
Transaction fees
Every personal fee, in one table.
| Item | Pady | Premium | Private |
|---|---|---|---|
| Account maintenance | Free | ₦2,500/mo | Bespoke |
| Outbound transfer (NGN) | ₦10 | ₦10 | Free |
| Inbound transfer | Free | Free | Free |
| Virtual cards | 1 free | Unlimited | Unlimited |
| Physical card | ₦2,000 | Free metal | Custom metal |
| Bill payments | Free + cashback | Free + 2% cashback | Free + 3% cashback |
| International transfer (USD) | 0.5% (min $3) | 0.3% (min $2) | Mid-market |
| Failed transaction reversal | Free | Free | Free |
Prices in NGN. International transfers settle at near mid-market FX. No SMS levies, no maintenance charges, no surprise debits.
Compare
Pady vs the traditional bank.
- 60-second onboarding
- ₦10 flat transfers
- 24/7 instant settlement
- Free account, no SMS levy
- Real-time alerts on every transaction
- Branch visit, two photos, three weeks
- ₦26–₦52 per transfer
- Cut-off at 4pm, none on Sunday
- Monthly maintenance + ₦4 SMS levy
- Receipt arrives the next day if at all
FAQ
Pricing questions, answered.
No. Every fee is on this page. No tiered transaction charges, no surprise monthly levies, no minimum balances.
Yes — upgrade or downgrade from the app at any time. Charges are prorated to the day.
Yes. Pay annually and get two months free on Premium and Business plans.
Your account stays open on the Free tier. You keep your money, your cards and your history.
Get started
Free to start. Premium when you're ready.
Join the waitlist — we'll set up your account, cards and (if you need them) business tools in one onboarding call.