Africa's modern wallet for everyone.
Send and receive money instantly, pay bills, accept payments, hold funds in escrow, and spend online with a virtual card — all in one beautifully simple app.
Wallet balance
₦ 1,248,500.00
Available
Adaeze O.
Sent · @adaeze
DStv Premium
Bills · TV
From Bank Transfer
GTB · ****8821
70%
of global mobile money is in Africa
₦0
to open your wallet
<10s
average transfer time
24/7
always-on infrastructure
Everything you need to move money in Africa.
One app. Personal wallet for spenders. Powerful tools for merchants. Built on rails Africans actually use.
Free NGN account
Get a real virtual bank account in seconds. Fund it from any Nigerian bank.
Instant transfers
Send money to anyone by @username, email, or bank account — instantly.
Bills & airtime
Buy airtime, data, electricity, and pay DStv, GOtv & StarTimes in one tap.
Escrow holds
Buy and sell with confidence. Funds release only when both parties are happy.
Virtual cards
Spend online globally with a Locally-branded virtual debit card.
Vouchers & gifts
Send gift cards and vouchers in seconds — perfect for birthdays and rewards.
QR receive
Generate a QR code so anyone can pay you in two taps.
Merchant payouts
Accept payments via links, split fees and auto-payout to your bank.
For everyone
Open a free wallet, get a real bank account number, and start sending money in minutes.
Get the walletFor business
Accept payments with links, hold funds in escrow, split fees automatically, and payout to any bank.
Explore Wallet for Business