--- title: "BilmaPay alternatives" description: "Compare 85 published alternatives to BilmaPay." canonical_url: "https://liners.com/bilmapay/alternatives" markdown_url: "https://liners.com/bilmapay/alternatives.md" type: "product-alternatives" language: "en" updated_at: "2026-08-30T16:14:06.666Z" --- # BilmaPay alternatives Compare 85 published alternatives to BilmaPay. ## Breadcrumbs - [BilmaPay](/bilmapay) - [Alternatives](/bilmapay/alternatives) ## Summary Compare 85 published alternatives to BilmaPay. ## About these alternatives The most useful BilmaPay alternatives in Nigeria in 2026 are [Shago Payments](https://liners.com/shago-payments), [MonieWorld](https://liners.com/monieworld), [Switch](https://liners.com/switch), [Xedla](https://liners.com/xedla), and [Basewallet](https://liners.com/basewallet). The right choice depends on whether you care most about bill coverage, cross-border transfers, or extras like escrow and multi-currency wallets. BilmaPay is a mobile fintech app for individuals in Nigeria focused on bill payments and money transfers, and it is available on Android and iOS. It positions itself around everyday categories like airtime, data, electricity and cable TV, and it advertises cashbacks of up to 30% plus usage by 10,000+ people. People usually look for BilmaPay alternatives when they want a product that is more specialised than an all-in-one biller, for example UK-to-Nigeria remittance flows, multi-currency accounts for international sending, escrow for online deals, or mobile money options that work across more than one African market. Another common driver is simply wanting a different payment experience for recurring bills without relying on one wallet for everything. None of this makes BilmaPay a poor choice, it just means there are credible specialists worth comparing. ## What to Compare When Choosing a BilmaPay Alternative - **Bill categories you can pay**: confirm the app supports your must-haves such as electricity, cable TV, airtime and data, not just one or two. - **Local transfer rails**: check if transfers are wallet-to-bank, wallet-to-wallet, or include agent cash-in or cash-out where relevant. - **Cross-border routes**: if you send money from abroad, pick tools built for that flow, not general bill apps. - **Mobile money vs bank-first**: if you rely on mobile money ecosystems, consider options that operate as mobile money across multiple countries. - **Agent network availability**: if you pay in cash sometimes, look for platforms that support agents and in-person funding. - **Multi-currency support**: for international payments, compare who gives USD/GBP/EUR accounts or multi-currency transfers. - **Safety tools for transactions**: if you buy and sell online, escrow can matter more than cashback. ## Compare BilmaPay Competitors by What You Need - **If you mostly do bills and local payments in Nigeria**: [Quickteller](https://liners.com/quickteller), [VaultPay NG](https://liners.com/vaultpay-ng), and [Shago Payments](https://liners.com/shago-payments) all focus on paying bills and moving money in Nigeria, with Quickteller and Shago also leaning into agent-style distribution. - **If you need UK-to-Nigeria sending and bill pay**: [MonieWorld](https://liners.com/monieworld) is built for UK residents sending NGN to Nigerian bank accounts, with options like Apple Pay and Google Pay for funding. - **If you send internationally or want multi-currency accounts**: [Switch](https://liners.com/switch) supports international transfers to 146 countries and offers multi-currency accounts (USD/GBP/EUR). - **If you want escrow for online deals**: [Xedla](https://liners.com/xedla) adds escrow payments alongside transfers and bill payments. - **If you want a wider Africa footprint**: [Flux](https://liners.com/flux) covers Nigeria plus Kenya, South Africa, and Ghana, while [Momo](https://liners.com/momo) operates across multiple African markets. Use the Liners directory below to discover BilmaPay similar apps in [Fintech](/categories/fintech), then filter by [Nigeria](/countries/nigeria) and tags like [Bill Payments](/tags/bill-payments), [Remittances](/tags/remittances), [B2C](/tags/b2c), [Agent Network](/tags/agent-network), and [Cross-Border Payments](/tags/cross-border-payments) to compare what to use instead of BilmaPay. ## Alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | MoMo | /momo | Send, receive, and pay with mobile money across Africa | South Africa | 4.7 | | Sapa Pay | /sapa-pay | Pay bills and stay on track with your finances | Nigeria | | | VaultPay NG | /vaultpay-ng | Pay bills, buy airtime and data, and fund a wallet in Nigeria | Nigeria | 4 | | PocketApp | /pocketapp | Send, spend, and sell with fast Nigerian transfers | Nigeria | 4.3 | | Prime Biller | /prime-biller | Pay airtime, data, electricity, and TV subscriptions in one place | Nigeria | | | Shago Payments | /shago-payments | One place to pay bills, transfer money, and buy services | Nigeria | | | SmartCash PSB | /smartcash-psb | Send money, buy airtime, and manage everyday payments | Nigeria | 4.5 | | Speso | /speso | Send money, pay bills, and shop online from one app | Ghana | | | EasySpend | /easyspend | Convert crypto to Naira and spend online with USD cards | Nigeria | | | Jophab | /jophab | Trade gift cards for cash and pay utility bills in minutes | Nigeria | | | Kwikpik | /kwikpik | Automate bills and send money with fiat or stablecoins | Nigeria | | | Xara AI | /usexara | Send money and track spending directly in WhatsApp | Nigeria | | | NITA Money Transfer | /nita-money-transfer | Send money and pay everyday bills from a mobile wallet | Niger | | | Jemapay | /jemapay | Automated bill payments, airtime, and utility top-ups | Nigeria | | | Manilla Finance | /manilla-finance | Pay Nigerian bills and travel with crypto or cards | Nigeria | | | Coris Money | /coris-money | Mobile wallet for transfers, bills, and everyday payments | Burkina Faso | | | Squareme | /squareme | Send money by phone number, pay bills, spend globally | Nigeria | | | Blockroll | /blockroll | Get paid globally in USD or stablecoins, then spend anywhere | Nigeria | | | Cardify | /cardify | Create and fund virtual dollar cards with NGN or USDT | Nigeria | 5 | ## Related pages - [Product page](/bilmapay) - [Alternatives](/bilmapay/alternatives) - [Reviews](/bilmapay/reviews) - [Transparency](/bilmapay/transparency) ## Access and citation - [Canonical HTML page](https://liners.com/bilmapay/alternatives) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)