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InspireMe Pay

Send Money in Nigeria — Bank Transfers & Wallet Payments

Any Nigerian bank, or another InspireMe Pay user, in seconds.

Sending money in Nigeria should not cost you a queue, a form or a walk to an agent. InspireMe Pay sends from your wallet to any Nigerian bank account, and to other InspireMe Pay users, in seconds.

Enter an account number and the recipient's name is verified before you confirm, so you can see exactly who is receiving the money. Approve with your transaction PIN and both sides get a confirmation and a receipt.

Your wallet has its own account number, so money can be sent to you from any Nigerian bank even when the sender does not use InspireMe Pay.

Ways to send and receive

Transfers to any Nigerian bank

Send to any commercial, microfinance or digital bank account from your wallet balance.

InspireMe Pay to InspireMe Pay

Instant wallet-to-wallet transfers between InspireMe Pay users, at any hour.

Your own account number

Every wallet has a dedicated account number, so you can receive funds from any bank or fintech app.

Saved recipients

Keep the people and businesses you pay often, and send again in a couple of taps.

Transfer receipts

Every transfer produces a receipt with the reference, amount and date, ready to share or download.

Limits that grow with you

Daily transfer limits rise as your KYC tier is verified, so your wallet grows with your needs.

How it works

  1. 1Open Send Money and choose whether you are paying a bank account or an InspireMe Pay user.
  2. 2Enter the account number — the recipient's name is shown for you to confirm.
  3. 3Enter the amount and an optional note for your records.
  4. 4Approve the transfer with your transaction PIN.
  5. 5Both you and the recipient receive confirmation, and the receipt is saved to your history.

Why use InspireMe Pay for this

Recipient name before you send — The account name is resolved first, so a wrong number is caught before the money leaves.
Confirmed in seconds — Transfers complete almost immediately instead of waiting in a bank queue.
A record of everything — Your transaction history keeps every transfer, with a receipt you can download.
Protected by PIN — Every transfer is approved with your transaction PIN, with biometric unlock available.
Send without the app — Supported transfers can also be started on WhatsApp, by USSD code, or by voice.
One balance for everything — The same wallet that sends money also pays bills, buys airtime and funds your cards.

Available across Nigeria

Whether you are sending money to Lagos, Kano, Port Harcourt, Ibadan, Abuja or a village branch of a microfinance bank, the transfer works the same way — from the phone in your hand, at any hour of the day.

LagosAbujaPort HarcourtIbadanKanoBenin CityEnuguKadunaOnitshaAbaJosIlorinAbeokutaUyoOwerriWarriAsabaAkureZariaMaiduguri

More ways to use your wallet

Pay bills online →

Electricity tokens, TV, internet, airtime and data from one wallet.

Airtime to cash →

Convert MTN, Airtel, Glo and 9mobile airtime into spendable funds.

QR payments →

Scan and pay as a customer, or collect payments as a merchant.

Virtual & physical cards →

Naira and Dollar virtual cards, plus physical debit cards you can carry.

International accounts →

USD, EUR and GBP accounts, plus cross-border payments for Nigeria.

Savings →

Fixed savings plans that earn interest, with auto-save from your balance.

Investments →

Investment plans, portfolio tracking and IPO subscriptions.

Loans →

Short-term loans from your wallet, subject to eligibility.

WhatsApp banking →

Send money, buy airtime and pay bills by chatting on WhatsApp.

USSD banking →

Check balance, send money and pay bills without internet.

Voice banking →

Pay bills and send money by speaking, in four Nigerian languages.

Airtime & data →

Instant recharge and data bundles on all four major networks.

Live metering →

Buy prepaid tokens and monitor your meter balance live.

Flight booking →

Search and book local and international flights from your wallet.

Event tickets →

Buy tickets for concerts, shows and events, paid from your wallet.

Merchant payments →

QR collections, inventory, sales reports and staff access for SMEs.

Languages →

Use the wallet in English, Yoruba, Hausa or Igbo.

See everything →

All InspireMe Pay services, channels and security features.

Frequently asked questions

How do I send money to a bank account in Nigeria?

Open Send Money, enter the recipient's account number, confirm the account name that appears, enter the amount and approve with your transaction PIN. The money leaves your wallet balance and reaches the recipient's bank account.

How fast does a bank transfer arrive?

Transfers are processed immediately and most Nigerian bank accounts receive the funds within seconds. A bank's own downtime can occasionally delay settlement, and you can always see the status of the transfer in your transaction history.

Can I send money to another InspireMe Pay user?

Yes. InspireMe Pay to InspireMe Pay transfers are instant because the money moves inside the same wallet system. Enter the recipient's InspireMe Pay account number and the funds land in their wallet right away.

Can I receive money into my InspireMe Pay wallet?

Yes. Your wallet has its own account number, so anyone can send you money from any Nigerian bank or payment app. Incoming funds are credited to your wallet balance and you are notified.

How much can I send per day?

Your daily transfer limit depends on your verification tier. Tier 1 accounts start with a modest limit, and the limit increases as your KYC verification is approved — the applicable limit is always shown in the app.

Is there a charge for sending money?

A small processing fee may apply to transfers, and any charge is displayed before you confirm the payment. Wallet-to-wallet transfers between InspireMe Pay users are kept as low as possible.

Start with your wallet

Create a free InspireMe Pay account, fund your wallet, and use it from the app, WhatsApp, USSD or by voice.

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