PlutoPay
Money, always in motion

The one-stop money app
for Nigeria.

Send naira, pay bills, create invoices, sell crypto, get a dollar card, and trade gift cards. PlutoPay brings your entire financial life into one hyper-fluid, secure app.

Priority waitlist active in database • Zero card creation fees
NDIC InsuredPartner Banks
Sub-Second NIPInstant Settlement
USD & NGN CardsZero Creation Fee
AES-256 VaultBank-Grade Security

Everything your money
can do, in one place.

Stop juggling five apps. PlutoPay puts your whole financial life on one screen with absolute clarity.

Send & Receive

Instant transfers to any Nigerian bank or PlutoPay user with zero friction and absolute real-time tracking.

USD Accounts & Virtual Cards

Hold dollars and pay any online merchant globally in USD. Subscribe to Netflix, pay for ads, and shop without limits.

Sell Crypto for Naira

Cash out USDT and other assets at transparent, highly competitive rates directly to your fiat balance. No P2P risk.

Secure by design

Bank-grade encryption, biometric login, and deeply integrated licensed partners handling the core rails. Your money is protected at the foundational level.

Why Nigerians choose PlutoPay

Everything in one place

One account, one balance, one login for naira, dollars, crypto, bills and cards. Less clutter, less stress, more control.

Honest & Real-time

Pending means pending; done means done. No guessing.

Secure by design

Bank-grade encryption and biometric login to protect your money.

Honest & Transparent Pricing

Zero hidden maintenance charges. What you see is exactly what you get.

Naira Transfers

₦10flat

Free PlutoPay-to-PlutoPay transfers. Instant settlement to any Nigerian bank.

USD Virtual Cards

$0monthly

One-time $2 creation fee. Zero monthly maintenance traps or hidden cross-border fees.

Crypto Off-Ramp

0%deposit fee

Real-time institutional FX rates with zero hidden spread on USDT conversions.

Bills & Utilities

₦0extra

Pay electricity, airtime, and internet without convenience fees or surcharge marks.

Answers, unlocked.

Everything you need to know about the one-stop money app.

How long do transfers take?

Are there hidden fees for USD cards?

How secure is my crypto?

Can I receive money from abroad?

What are the account limits?

Ready for the future?

Download PlutoPay and put your whole financial life in motion.

Download on iOSGet it on Google Play