LinkPay: Money & Bills

LinkPay is a Nigerian money app for sending money, paying bills, and buying airtime from a one-naira balance.

SEND MONEY TO ANY BANK
Send to any Nigerian bank account by entering the 10-digit number. BridgePay works out which bank holds it and shows you the account holder's name before you confirm, so you can check you are paying the right person. Save people you pay often as beneficiaries.

SEND BY @TAG OR QR CODE
Claim a handle like @ade and let people pay you with that instead of reading out an account number. Every account also has a QR code you can show in person or share as a link.

RECEIVE MONEY
You get your own Nigerian account number. Anyone can transfer to it from any bank and it lands in your LinkPay balance.

BUY AIRTIME AND DATA
Top up any Nigerian mobile number. Data bundles are shown with their price and validity so you can see what you are buying before you pay.

PAY YOUR BILLS
Electricity, cable TV, internet, education and government payments. Enter your meter or account number, see who it belongs to, then pay. Your recent bills are saved so the next payment is quicker.

SPLIT AND PAY AS A GROUP
Create a group, add people by @tag, and record who paid for what. LinkPay works out who owes whom. Group organisers can also pay several people at once in a single batch and share a receipt showing exactly what was delivered.

SAVE TOWARDS SOMETHING
Put money aside in savings pouches, separate from your spendable balance. Groups can also save together towards a shared purchase, where the money is only released once everyone has approved.

FUND WITH STABLECOINS
You can top up your naira balance with USDC, USDT or ETH from an external wallet on any of the supported networks. The deposit is converted and lands as naira. LinkPay does not provide a crypto wallet: it does not hold, send or trade crypto on your behalf, and there is nothing to store in the app.

BUILT AROUND YOUR SECURITY
Every payment is authorised with your PIN, or Face ID or fingerprint if you turn it on. You can freeze your own account instantly from Settings if your phone goes missing, see every device signed in and sign any of them out, set your own spending limits, and download a PDF statement whenever you need one.

EARN BY REFERRING
Share your referral code. When someone you invited signs up and funds their account, you earn points.


ABOUT THE BRANDS NAMED HERE
Mobile networks (MTN, Airtel, Glo, 9mobile), electricity distributors (such as AEDC, EKEDC, IKEDC, PHEDC), TV providers (DStv, GOtv, Startimes) and internet providers (such as Spectranet and Smile) are named only to tell you which bills you can pay through LinkPay. All names and trademarks belong to their respective owners. LinkPay is not affiliated with, endorsed by, or acting on behalf of any of them; it processes your payment to them on your instruction.

Banking services and account numbers are provided through LinkPay's licensed partner institutions.