A mobile fintech app for individuals in Nigeria to pay bills, buy airtime and data, top up electricity and cable TV, and send local or international transfers.

Screenshot of BilmaPay website

Is BilmaPay right for you?

Best for

  • Nigerian individuals
  • Monthly bill payers
  • Airtime and data buyers
  • Electricity top ups
  • Sending money abroad

What it does well

  • Bill payments in app
  • Airtime and data purchase
  • Electricity and cable top ups
  • Local money transfers
  • International transfers

Things to check

  • Supported billers list
  • Transfer fees and rates
  • Transfer speed
  • Payout countries
  • Payment methods accepted

BilmaPay is a mobile fintech app for individuals in Nigeria who want to pay everyday bills, fund a wallet, and send or receive money from one place.

Key capabilities include:

  • Bill payments and top-ups for airtime, data, electricity, cable TV subscriptions, bets, and gift cards
  • Local and international transfers, with support for unlimited transactions and processing in seconds
  • Wallet funding through multiple payment channels to keep balances topped up for payments and transfers
  • Account setup and support, including quick sign-up with Google or App Store, plus 24/7 customer support via in-app chat and email

Available on Android and iOS.

It targets consumers managing personal spending, recurring bill payments, airtime and data purchases, and money transfers.

In the Nigerian market, it positions itself as a single app for common bill categories, and it also advertises cashbacks on transactions (up to 30%) and usage by 10,000+ people. For support, users can contact support@bilmapay.com.

As of Jul 6, 2026, BilmaPay is rated 5.0 on the App Store from 1 review.

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