Every tool you need to move money — in one wallet.

From everyday spending to running a business, Wallet packs the features African users actually want.

Personal wallet

Free virtual NGN account

Real bank account number, fundable from any Nigerian bank.

P2P transfers

Send by @username, email, or to any Nigerian bank account.

QR receive

Share a QR code to get paid in two taps.

Bills & airtime

MTN, Glo, Airtel, 9mobile, DStv, GOtv, StarTimes & all DISCOs.

Spend & save

Virtual cards

Spend online globally with a Locally-branded virtual debit card.

Vouchers & gifts

Send gift cards and vouchers — single use, expiry, revocable.

Freeze & limits

Freeze cards, set spend limits, and get instant tx alerts.

For business

Escrow holds

Hold funds until both parties confirm. Auto-release after N days.

Payment links

Generate shareable payment pages — fixed or open amount.

Merchant payouts

Scheduled payouts to any bank with configurable platform fees.

Webhooks

Real-time signed webhooks for every credit and event.

Ready to move money the modern way?

Create your wallet