Send money across Africa in naira, instantly.
Send money from Nigeria in naira, straight from the bank account or mobile wallet you already have. No dollars, no paperwork, and nothing new to download. It arrives in under two minutes.
Faster
Transfers complete in under two minutes, not two days. No correspondent bank sitting in the middle slowing things down.
Safer
You never leave your own bank or wallet. Same app, same branch, same protections you already have, under Central Bank of Nigeria supervision.
In naira
No dollar leg and no third-party exchange rate. You pay in naira, they receive their own currency. Nothing lost in between.
There is no PAPSS app to download.
You use PAPSS inside the bank app, mobile wallet or branch you already use. PAPSS will never call you, never hold your money, and never ask for your PIN or your OTP. If anyone offers you a PAPSS-branded app, wallet or login, it is a scam.
Built for the way
Nigeria actually trades.
Whether you are paying school fees in Accra or settling a supplier invoice in Nairobi, PAPSS moves the money in naira, from the account you already hold.
Personal transfers
Up to the naira equivalent of $2,000 a month, with no paperwork at all
- Send money to family and friends in 14 other African countries
- Pay school fees, medical bills and rent directly
- Buy stock from suppliers in Ghana, Kenya or Sierra Leone
- Receive money straight into your account, with nothing to claim
Business transfers
Up to the naira equivalent of $5,000 a month, with no paperwork at all
- Settle supplier invoices without queuing for dollars
- Pay salaries to staff based in other African markets
- Higher values supported with standard trade documentation
- Predictable pricing, because there is no correspondent bank fee
Three steps,
inside the bank you already use.
PAPSS sends money from your existing account, so you can only use it through a bank or mobile wallet connected to the system.
Open your bank app or mobile wallet, or visit your branch
Six Nigerian banks and two mobile wallets support PAPSS directly in-app. Every participating bank supports it at the branch.
Choose to send money to another African country
Select the country, then pick PAPSS as the transfer method. Branch staff have been trained to set this up for you.
Enter the amount in naira and confirm
You will see the fee and the amount the receiver gets before you approve anything. No hidden conversion.
Your money arrives in under two minutes.
Straight into the receiver's normal bank account. They do not need to sign up for anything.
Is your bank or wallet on PAPSS?
Search below to see whether you can send today, and whether you can do it from your phone or at a branch.
Coronation Merchant BankBranches
EcobankBranches
FBNQuest Merchant BankBranches
FSDH Merchant BankBranches
Jaiz BankBranches
Keystone BankBranches
Lotus BankBranches
Optimus BankBranches
Parallex BankBranches
Polaris BankBranches
Premium Trust BankBranches
Providus BankBranches
Stanbic IBTCBranches
Sterling BankInternet banking & branches
TajBankBranches
Union BankBranches
Unity BankBranchesYour bank or wallet is not on the list?
Tell us who you bank with. We will let you know the moment they go live, and your request helps us show that provider there is real demand from its own customers.
Check the country
you are sending to.
From Nigeria you can send to 14 other African countries. Pick one to see every institution there that can receive your money.
- Absa Bank
- Access Bank
- Agricultural Development Bank
- Airtel Ghana
- Bank of Africa
- CalBank
- CBG
- Ecobank
- Etranzact Ghana
- FBNBank
- Fidelity Bank
- First Atlantic Bank
- First National Bank
- GCB
- GT Bank
- MTN Ghana
- National Investment Bank
- OMNIBSIC Bank
- Onafriq Ghana Limited
- Prudential Bank
- Stanbic Bank
- UBA
- UMB
- Vodafone Ghana (Telecel)
- Zenith Bank
- ABSA Kenya
- Access Bank
- African Banking Corporation
- Amica Sacco Kenya
- Bank of Africa (BOA)
- Bank of Baroda
- Branch MicroFinance Kenya
- Caritas Microfinance Bank Kenya
- Choice Microfinance Bank Kenya
- Citibank Kenya
- Co-operative Bank
- Commercial International Bank (CIB) Kenya
- Consolidated Bank Kenya
- Credit Bank PLC
- Development Bank of Kenya
- Diamond Trust Bank Kenya (DTB)
- Dubai Islamic Bank (DIB) Kenya
- Ecobank Kenya
- Family Bank Kenya
- Faulu Microfinance Bank Kenya
- Finserve Africa Kenya
- Guaranty Trust Bank Kenya
- Guardian Bank Kenya
- Gulf African Bank Kenya
- Habib Bank AG Zurich
- Housing Finance Bank (HFC) Kenya
- Integrated Payments Services Limited
- KCB
- Kenya Women Finance Trust (KWFT)
- Kingdom Bank Kenya
- LOOP Kenya
- M-Oriental
- Middle East Bank (MEB)
- Mwalimu Sacco Kenya
- National Bank of Kenya
- National Commercial Bank of Africa
- Paramount Bank Kenya
- Post Bank Kenya
- Premier Bank Kenya Limited
- Prime Bank
- Salaam MicroFinance Bank Kenya
- Sidian Bank Kenya
- SMEP Microfinance Bank Kenya
- Stanbic Bank
- Standard Chartered Bank of Kenya
- State Bank of Mauritius (SBM Bank)
- Stima Sacco Kenya
- Telkom Kenya
- UBA Kenya Bank Limited
- UMBA Microfinance Bank Kenya
- Unaitas SACCO Kenya
- Victoria Commercial Bank Kenya
- Yetu SACCO Kenya
- Absa Bank Tanzania
- Access Bank Tanzania
- Airtel Tanzania
- Akiba Commercial Bank
- Amana Bank Tanzania
- ARA Tanzania
- BancABC Tanzania
- Bank of Africa Tanzania
- Bank of Baroda Tanzania
- BOBTZ Tanzania
- Canara Bank Tanzania
- Commercial Bank of Africa
- CRDB Tanzania
- DCB Commercial Bank Tanzania
- Ecobank Tanzania Limited
- Equity Bank Tanzania
- Exim Bank Tanzania
- FINCA Microfinance Bank Tanzania
- First National Bank of Tanzania
- Guaranty Trust Bank Tanzania
- I&M Bank Tanzania
- KCB Bank Tanzania
- Kenya Post Office Savings Bank Tanzania
- Letshego Bank Tanzania
- Maendeleo Bank Tanzania
- Mkombozi Bank Tanzania
- National Bank of Commerce Tanzania
- NCBA Tanzania
- NMB Bank Tanzania
- Peoples Bank of Zanzibar Tanzania
- Stanbic Bank Tanzania
- Standard Chartered Bank Tanzania
- TPB Tanzania
- United Bank for Africa Tanzania Ltd
- YAS Tigo Tanzania
- Yetu Microfinance Tanzania
- Abay Bank Ethiopia
- Addis International Bank Ethiopia
- Ahadu Bank Ethiopia
- Amhara Bank Ethiopia
- Awash International Bank Ethiopia
- Bank of Abyssinia Ethiopia
- Berhan International Bank Ethiopia
- Bunna Bank Ethiopia
- Commercial Bank of Ethiopia
- Cooperative Bank of Oromia Ethiopia
- Dashen Ethiopia
- Debub Global Bank Ethiopia
- Enat Bank Ethiopia
- Ethio Telecom Telebirr
- Gadaa Bank Ethiopia
- Goh Betoch Bank Ethiopia
- Hibret Bank Ethiopia
- Hijra Bank Ethiopia
- Lion International Bank Ethiopia
- Nib International Bank Ethiopia
- Oromia Bank Ethiopia
- Shebelle Bank Ethiopia
- Sidama Bank Ethiopia
- Sinqee Bank Ethiopia
- Tseday Bank Ethiopia
- Tsehay Bank Ethiopia
- Wegagen Bank Ethiopia
- ZamZam Bank Ethiopia
- Zemen Bank Ethiopia
- Absa Bank Uganda Ltd
- African Banking Corporation(ABC Bank) Uganda
- Airtel Uganda
- Bank of Baroda Uganda
- Bank Of India Uganda
- Centenary Bank Uganda
- Development Finance Company of Uganda (DFCU Bank)
- Diamond Trust Bank Uganda
- Ecobank Uganda
- EQUITY BANK UGANDA LTD
- Etranzact Uganda
- EXIM Bank Uganda
- Finance Trust Bank Uganda
- Guaranty Trust Bank Uganda
- Housing Finance Bank Uganda
- I and M Bank Uganda Ltd
- Kenya Commercial Bank Uganda
- MTN Uganda
- Opportunity Bank Uganda
- Post Bank Uganda
- Salaam Bank Uganda
- Stanbic Uganda
- Standard chartered Bank Uganda
- Tropical Bank Uganda
- UGAFODE MFI Uganda
- Uganda Development Bank
- AFC Commercial Bank
- African Century Bank
- Banc ABC
- CBZ Bank Limited
- Empower Bank
- National Building Society
- NMB
- People's Own Savings Bank
- Steward Bank
- ZB Bank
- AccessBank Liberia
- Afriland First Bank
- Bloom Bank
- Ecobank
- GTBank
- International Bank Liberia
- Liberian Bank For Development (LBDI)
- Sapelle International Bank
- UBA
- Access Bank
- Bloom Bank
- Ecobank
- FBNBank
- GTBank
- Rokel Bank
- Sierra Leone Commercial Bank (SLCB)
- UBA
- Vista Bank
- Access Bank
- Agib Bank
- Bloom Bank
- Ecobank
- First Bank
- Trust Bank
- Vista Bank
- Access Bank
- Coris bank
- Ecobank
- UBA
- Vista Bank
- Access Bank
- Bank of Kigali
- BPR
- East African Bank
- Salaam African Bank
- Access Bank
- United Bank for Africa
- National Bank of Malawi
Banks in these countries are being integrated now and will be able to send and receive shortly.
Staying safe
A new name in payments always attracts people trying to take advantage of it. Here is exactly how PAPSS does and does not work, so you can spot anything that is not right.
- There is no PAPSS app, PAPSS wallet or PAPSS login. You reach PAPSS through your own bank or wallet. Anything PAPSS-branded asking you to sign up is fraudulent.
- PAPSS never holds your money. Funds move between your provider and the receiving one, and never through us.
- PAPSS never contacts customers directly. We will not call, text or message you about a transfer.
- No one will ever ask you for your PIN, password or OTP. Not PAPSS, and not your bank.
- If something looks wrong, call your bank first. Then report it to us at info@papss.com.
Everything else
you might be wondering.
Do I need to download anything?
No. PAPSS lives inside your existing bank app, mobile wallet or branch. There is nothing to install and nothing to sign up for.
How long does a transfer take?
Under two minutes in almost all cases. The money lands in the receiver's normal bank account.
What does it cost?
Your bank sets the fee, and it is typically lower than a dollar-routed transfer because there is no correspondent bank taking a cut in the middle.
Does the receiver need to do anything?
Nothing at all. They do not need a PAPSS account, an app, or a dollar account. The money simply arrives.
Can I send more than the limit?
Yes. Above the naira equivalent of $2,000 for individuals or $5,000 for businesses, your bank will ask for standard supporting documents.
Can I send to any bank in that country?
Not always. The receiving institution has to be reachable on PAPSS, either as a direct participant or through the PAPSS Extended Network. Use the country checker above, and confirm with the person you are sending to before you start.
What if my bank or wallet is not listed?
Leave your details above. We will tell you when they go live, and we will show that bank that its own customers are asking for it.
