An account, ready in 60 seconds
No paperwork. No minimum balance. No appointments. Open your account with just a BVN and a selfie — and start moving money before the kettle boils
Why it matters
The shortlist
- Open with just BVN, phone, and a selfie — no utility bill needed
- Free account with zero monthly fees, ever
- Instant NIP transfers, 24 hours a day, 365 days a year
- Automatic categorization on every transaction
- Pay bills, airtime, and subscriptions inside the app
- Tier-3 limits unlocked after one-time KYC bump
How it works
Live in minutes, not weeks
Download the app
Available on iOS and Android. Under 40MB.
Verify with BVN
BVN, phone OTP, and a quick liveness selfie. Under 60 seconds.
Start moving money
Get your account number on screen and share it. Money lands instantly.
Features
Built like the rest of your stack
24/7 transfers
Direct NIP rails. Sunday, holidays, midnight — money moves.
Hardened security
Biometric login, device binding, transaction-level fraud monitoring.
Real-time alerts
Every debit and credit, the moment it happens.
Mobile-first
Built for the way you actually use a phone, not a desktop.
Statements on demand
Download PDF or CSV for any date range in one tap.
Recurring transfers
Schedule rent, school fees, savings — set once, forget.
Questions
Frequently asked
Still curious? Visit the help center.
Make more of your money
Pay with ease, save towards your goals, and manage your everyday money in one place. Open your Pady account and start today