🏦 CBN Licensed · NDIC Insured

Banking That Works For You

Send money, save smarter, and grow your wealth with Nigeria's most trusted digital finance platform. Earn up to 20% annual interest on your savings.

2M+Users
₦50B+Transactions
20%Max Interest
Good morning πŸ‘‹
JD
Total Balance

₦245,780.00

+₦2,450 today
πŸ“€ Send
πŸ“₯ Receive
πŸ’° Save
⚑ Bills
+ ₦50,000 Salary
- ₦5,000 DSTV
+ ₦1,205 Interest

Everything You Need In One App

Powerful financial tools built for Nigerians

⚑

Instant Transfers

Send to any Nigerian bank instantly using phone number or account number. Free for transfers under ₦5,000.

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High-Yield Savings

Earn up to 20% annual interest with OWealth, SafeBox, Fixed Savings, and Target plans.

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Virtual Cards

Generate USD & NGN virtual cards for safe online shopping. No physical card needed.

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Bills & Airtime

Pay electricity, DSTV, water, buy airtime & data for all networks with up to 6% cashback.

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NightGuardβ„’

Automatic biometric protection during nighttime hours. Your money stays safe even if your phone is stolen.

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Referral Rewards

Earn ₦500 for every friend you refer who activates their account. No limit on earnings.

Grow Your Money Faster

Multiple savings plans designed for every goal

15% p.a.

OWealth

Flexible savings. Earn daily interest while keeping full access to your funds.

  • βœ“ Withdraw anytime
  • βœ“ Daily interest credit
  • βœ“ No lock period
Up to 20%

Fixed Savings

Lock funds for 30-180 days and earn the highest guaranteed returns.

  • βœ“ 30/90/180-day plans
  • βœ“ Guaranteed rate
  • βœ“ Compound interest

Your Money, Fort Knox-Level Security

We combine bank-grade encryption with smart behavioral protection to keep your funds safe 24/7.

πŸ›‘οΈ NightGuardβ„’ β€” Auto-lock after midnight
πŸ“ Location anomaly detection
πŸ”’ USSD emergency freeze (*955*131#)
⚠️ Real-time fraud alerts
πŸ”‘ 256-bit AES encryption
βœ… CBN Licensed & NDIC Insured

Ready to Take Control of Your Finances?

Join 2 million+ Nigerians already growing their money with Wonpay

Create Free Account β€” Takes 2 Minutes