No hidden charges. No surprise deductions.
We believe in total transparency. Every fee is stated upfront before you authorize any transaction. Zero monthly account maintenance fees, zero card holding fees.
Engineered for Speed, Built for Trust
Experience friction-free financial tools with zero hidden catches.
Free PlutoTag Transfers
Instant peer-to-peer transfers between PlutoPay users are 100% free forever. Send and receive funds without losing a single kobo.
Low Interbank Transfer Fees
Sending money to any commercial or microfinance bank across Nigeria carries a flat regulatory NIP fee of just ₦10 to ₦25, capped at statutory CBN tiers.
Virtual Card Issuance & Usage
Virtual Dollar cards carry a transparent one-time creation fee of $3.00 with $0 monthly maintenance. Virtual Naira cards are issued instantly for only ₦1,000.
Honest FX Rates
Real-time competitive foreign exchange rates for USD conversions, crypto off-ramps, and card funding with zero stealth markups or trailing spread penalties.
Free Wallet Inbound Deposits
Adding money to your PlutoPay account via your dedicated virtual NUBAN or internal invoice links is 100% free of charge.
Zero Account Inactivity Fees
Never worry about waking up to negative balances. We never charge dormant account maintenance fees or monthly SMS alert levies.
How It Works in 3 Simple Steps
Get started in under two minutes with your phone.
Check Rates in Real Time
Before confirming any transaction, our app displays the exact breakdown: exchange rate, network fee, and net balance change.
Confirm with Complete Clarity
No surprises or hidden commissions. What you see on your confirmation screen is the exact total deducted.
Download Detailed Receipts
Every transaction generates a shareable PDF and digital receipt showing timestamp, fee breakdown, and session reference.
Frequently Asked Questions
Everything you need to know about this feature.
Are there any monthly maintenance fees for holding an account?
How much does it cost to pay utility bills or buy airtime?
What is the fee for funding a virtual dollar card?
Ready to experience money in motion?
Join thousands of Nigerians taking complete control of their local and international finances with PlutoPay.
Download PlutoPay Now