Send money across Nigeria in milliseconds.
Free transfers between PlutoPay tags, instant bank deposits to all commercial and microfinance banks, and 99.99% transaction success rates.
Engineered for Speed, Built for Trust
Experience friction-free financial tools with zero hidden catches.
Free PlutoTag Transfers
Move money to friends, family, or vendors instantly using their unique PlutoTag without incurring a single kobo in charges.
All Nigerian Banks Supported
Direct NIP integration with Access, GTBank, Zenith, Kuda, OPay, Moniepoint, and over 80+ licensed financial institutions.
PIN & Biometric Protected
Every outbound transfer is guarded by your private 4-digit PIN, FaceID, or fingerprint biometrics with bank-level encryption.
Instant Reversals on Failures
Never worry about stranded funds. If an external bank network fails, funds bounce back to your wallet in seconds.
Smart Beneficiary Memory
Save frequent recipients with customized tags and nicknames for 1-tap repetitive transfers without typing NUBAN numbers.
Scheduled & Recurring Transfers
Automate salary payouts, recurring family allowances, or monthly rent with customizable execution intervals.
How It Works in 3 Simple Steps
Get started in under two minutes with your phone.
Enter Recipient
Type their @PlutoTag for free internal transfers, or enter their 10-digit NUBAN and bank name.
Verify Name & Amount
Our automated name-enquiry service instantly verifies the account holder name before you send.
Authorize with PIN
Enter your 4-digit transaction PIN. Funds settle into the recipient account in under 3 seconds.
Frequently Asked Questions
Everything you need to know about this feature.
Is transferring money to another PlutoPay user really free?
How fast do bank transfers reflect?
What happens if a recipient bank network is down?
Ready to experience money in motion?
Join thousands of Nigerians taking complete control of their local and international finances with PlutoPay.
Download PlutoPay Now