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.
Get started
Ready to move money like a doer?
Join 2,400+ on the waitlist. Be first in line when Pady opens its doors.