Deposit funds into your account without stress.
Get your own dedicated Nigerian virtual account number instantly upon registration. Deposit via mobile banking apps, USSD, debit cards, or instant NQR codes.
Engineered for Speed, Built for Trust
Experience friction-free financial tools with zero hidden catches.
Dedicated Virtual NUBAN
Get an account number in your own legal name powered by licensed Tier-1 commercial banking partners.
Immediate Balance Credit
Automated webhook listeners credit your PlutoPay wallet the second interbank funds arrive.
Instant NQR Payments
Generate dynamic or static NQR codes for contactless in-person retail deposits from any Nigerian banking app.
Debit Card Top-Ups
Save your Mastercard, Visa, or Verve cards for 1-click recurring wallet funding with 3D-Secure 2.0 fraud checks.
Zero Deposit Charges
We believe depositing your hard-earned money should never carry punitive fees. 100% of your funds reach your wallet.
NDIC Insured Custody
All customer deposits are held in safeguarded reserve accounts maintained by NDIC-insured banking partners.
How It Works in 3 Simple Steps
Get started in under two minutes with your phone.
View Your Account Number
Open the PlutoPay app and tap "Add Money" on your home dashboard to see your dedicated 10-digit account number.
Send from Any Bank
Open your mobile banking app, select the partner bank (e.g. Wema Bank / PlutoPay), and transfer any amount.
Instant Credit Notification
Receive a push notification and real-time WebSocket update on your phone as your balance updates immediately.
Frequently Asked Questions
Everything you need to know about this feature.
Is the account number in my name?
Are there deposit limits?
Can I add money using USSD?
Ready to experience money in motion?
Join thousands of Nigerians taking complete control of their local and international finances with PlutoPay.
Download PlutoPay Now