Download PlutoPay and take control of your money.
Experience lightning-fast bank transfers, high-limit virtual dollar cards, instant bill payments, and crypto off-ramps right on your smartphone. Available for iOS and Android.
Engineered for Speed, Built for Trust
Experience friction-free financial tools with zero hidden catches.
iOS App Store
Optimized for iPhone with FaceID authentication, Dynamic Island notifications, and seamless Apple Pay top-up compatibility.
Google Play Store
Built for Android smartphones with biometric fingerprint security, fast push alerts, and battery-efficient background updates.
Direct Android APK Download
No Google Play services? Download our officially signed, secure standalone APK file directly from our verified servers.
Lightweight & Ultra-Fast
Under 35MB download size. Built with modern reactive architecture that loads in milliseconds even on 3G mobile networks.
End-to-End Encrypted
All local mobile cache and session tokens are locked within your device secure enclave and encrypted with 256-bit AES keys.
Offline Receipt Vault
Access past transaction receipts, generated invoices, and virtual account details even when your cellular connection drops.
How It Works in 3 Simple Steps
Get started in under two minutes with your phone.
Download the App
Search for "PlutoPay" on the Apple App Store or Google Play Store, or tap the direct download buttons below.
Sign Up in 90 Seconds
Enter your phone number, choose a secure password, and set your private 4-digit transaction PIN.
Start Moving Money
Get your instant virtual bank account number, fund your wallet, create a virtual dollar card, and start transacting.
Frequently Asked Questions
Everything you need to know about this feature.
Is the PlutoPay app free to download?
What are the minimum system requirements?
Can I log into my PlutoPay account on multiple devices?
Join over 150,000+ smart Nigerians
Get started in less than 90 seconds. No paperwork, no queues, no branch visits.
Download PlutoPay Now