PinPay: Smart Banking for Everyday People

Seamless Payments. Smart Savings. Faster Growth.

Try Pinpay Now

1000

Beta Users

4.79

User Rating

Bank Payments, Without the Bank Stress

Theodore Achimoglu

“PinPay helps me send and receive money instantly across all the banks in Nigeria and beyond, with no hidden charges and faster settlement than any other option.”

What Can PinPay Do? →

Instant Interbank Transfers

Your money moves when you do. Send cash to any Nigerian bank account and watch it land in seconds. PinPay connects them all.

Pay All Your Bills from One Place

Every bill you have, paid from one app. Set it and forget it with scheduled payments, or handle things manually when you prefer. If you pay for it monthly, PinPay handles it.

Real-Time Transaction Notifications

Track spending as it happens and catch issues immediately. Every naira that moves, you know instantly.

Pay Merchants Seamlessly

Pay any merchant using QR codes or payment IDs. PinPay works at your corner store and major retailers. Our system is faster than swiping and safer than carrying cash.

Lower Fees Than Traditional Banks

PinPay’s transparent fees beat our competitors’ offerings with no hidden extra charges on your savings. Bank with peace of mind.

Earn Interest

Your PinPay balance works for you. Our flexible savings options help you to achieve your vision. Spend when you want and withdraw when you need.

Save Smarter, Earn More!

Turn your goals into growth with PinPay Savings. Whether you’re saving for rent, a vacation, or your next big project, PinPay helps you stay consistent — and rewards you with competitive interest rates.

Take Charge of Your Money

See all Services →

Why Choose PinPay?

Lower Transaction Fees

Save more on every transfer, bill payment, and transaction. PinPay’s fees are a fraction of what traditional banks charge.

Lightning-Fast Transfers

On PinPay, money moves in seconds, not hours. Send and receive wallet funds instantly across all Nigerian banks.

Simplified Finances

Payments, savings, loans, investments, and bill pay — everything you need to manage your money, all in one simple app.

24/7 Customer Support

Get help whenever you need it. Our support team is available around the clock to resolve issues and answer your questions.

Tested & Trusted

Join a growing community of users who’ve switched to smarter banking. Real people, real results, real financial freedom.

Selected Case Studies

Et magnis arcu elit elit ipsum. Eget in libero faucibus amet. Arcu, aliquam facilisi consequat proin velit sollicitudin non.

How Clues Increased Organic Traffic by 52% with Vault

How Minty Grew Leads by 48% by Partnering with Vault

How Load Increased Ad Return to 140% with Vault

How Homey is Shaping the Industry with Leading Content

Early User Testimonials

Don’t Just Take Our Word For It — Here’s What Real Users Think

Tunde O.

Abuja

"I was skeptical about the interest thing, but my balance actually grows every month just sitting there. It's not life-changing money, but it's better than the ₦0 my old bank gave me."

Chioma A.

Lagos

"Finally, a banking app that actually works fast. I send money to my suppliers and it hits their account before I even put my phone down. PinPay saved my business from payment delays."

Fatima M.

Kano

"Paying bills used to stress me out. Now I just open PinPay once a month and everything's handled. NEPA, data, DSTV — all done in like 3 minutes."

Yusuf K.

Kaduna

"I'm not a finance person, but PinPay makes it simple. Saving, investing, paying bills — everything's in one place and actually makes sense. No banking jargon, just clear options."

Ngozi P.

Enugu

"The notifications keep me sane. I know exactly when money comes in or goes out. Caught a weird charge last month and reported it immediately. Customer support fixed it same day."

Blessing O.

Ilorin

"I love the QR payment feature. No more carrying cash to the market or worrying about change. Just scan and go. Even my fruit seller has a code now."

Ready to experience the future of banking?

Manage your finances, pay bills, save smarter, borrow easily, and grow your wealth — all from your phone.

Services Overview

The #1 SEO agency for fast growing companies.

Our marketing team goes beyond results.

Helping businesses improve their speed.