A bank for the 40 million the banks kept waiting.
No utility bill. No minimum balance. No branch queue. Open a real, NDIC-insured Nigerian account with just your BVN or NIN and a selfie — on any phone, in your language, in 60 seconds.
Why we built this
The mama selling tomatoes at Mile 12 is the customer.
Four in every ten Nigerian adults don't have a bank account. Not because they don't earn — most of them earn every single day. It's because the system asked them for a landlord letter, a utility bill they don't have, two passport photos, a minimum balance, and a bus fare to the nearest branch.
The other three in ten technically have an account — but it charges them ₦105 to send ₦2,000, expires when they can't top up the balance, and speaks a language they were never taught to read.
Pady is built the other way round. We start with the person, the phone in their hand, and the ₦5,000 in their pocket — and we make everything else fit around that.
Getting started
From nothing to a real account in three taps.
Enter your BVN or NIN
That's all the ID we need to start. No utility bill, no reference letter, no landlord signature.
Take a quick selfie
We match it to your BVN photo. It works in low light, and in about eight seconds.
Your account is live
A real 10-digit account number, a virtual card, and no monthly fee — ever. Start receiving money immediately.
The old way vs. Pady
Every reason you were turned away, undone.
A quiet list of the small humiliations the banking system built for the people it decided didn't matter — and how Pady fixes each one.
- Bring three passport photos and a utility bill
- Queue for two hours at a branch
- ₦5,000 minimum balance to keep the account open
- Forms in English only
- 'Please come back with your husband'
- App that eats 300MB of data before you can log in
- Just your BVN or NIN and a selfie
- 60 seconds on the phone in your hand
- ₦0 minimum. Zero maintenance fees.
- English, Pidgin, Yoruba, Hausa & Igbo
- Your name. Your account. Full stop.
- 12MB app that runs on any entry-level Android
What you get
A full bank. Built for a ₦25,000 phone.
Nothing to keep it open
₦0 minimum balance, ₦0 maintenance, ₦0 account closure. You never owe us for having an account.
Works on 2G
The app is a lean 12MB and stays smooth on entry-level Android phones. USSD *737*Pady# for the times the network dies.
In your language
English, Pidgin, Yoruba, Hausa and Igbo — with human support on WhatsApp, not a chatbot.
Agent nearby
Deposit or withdraw cash at 30,000+ neighbourhood Pady Agents — the kiosk on your street corner.
Save your way
Ajo, esusu, adashe — call it what you like. Lock ₦500 a day toward school fees, rent or a new phone.
NDIC-insured deposits
Your money sits in an NDIC-insured account with a licensed partner bank — insured up to ₦5,000,000.
Regulated & insured
Your money is held by a licensed Nigerian bank — and insured by the NDIC.
Pady is a technology platform. Every Naira you deposit sits in a segregated account at our licensed partner bank, insured by the Nigeria Deposit Insurance Corporation up to ₦5,000,000. If we ever disappear, your money doesn't.
You might also fit
Other people we built Pady for.
Ready to move money like a doer?
Join 2,400+ on the waitlist. Be first in line when Pady opens its doors.