--- title: "BilmaPay alternatives" description: "Compare 85 published alternatives to BilmaPay." canonical_url: "https://liners.com/bilmapay/alternatives?page=2" markdown_url: "https://liners.com/bilmapay/alternatives.md?page=2" 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 | | --- | --- | --- | --- | --- | | MonieWorld | /monieworld | Send money from the UK to Nigeria in seconds, fee-free | Nigeria | 4 | | Velcro | /velcro | Send money, pay bills, and cash out crypto via WhatsApp | Nigeria | | | AjoMoney | /ajomoney | Alternative finance for underserved Africans. | Nigeria | | | Cardgoal | /cardgoal | Trade gift cards for instant cash and pay bills in one app | Nigeria | | | CardKK | /cardkk | Exchange gift cards for instant NGN or GHS payouts | Nigeria | | | First-sub | /first-sub | Buy data, pay bills, and manage top-ups from one wallet | Nigeria | | | Hope PSBank | /hope-psbank | Digital banking, transfers, and bill payments by phone number | Nigeria | 5 | | Interswitch | /interswitch | Digital payment infrastructure for everyday transactions | Nigeria | 5 | | Monica | /monica | Convert crypto to Naira with fast bank payouts | Nigeria | 5 | | PayXpress | /payxpress | Accept, collect, and disburse payments across channels | Nigeria | 4 | | SnapCash | /snapcash | Get urgent personal loans in minutes without paperwork | Nigeria | | | Tbay | /tbay | Trade gift cards for cash and pay bills in minutes | Nigeria | | | doo! | /doo | Essential services via nearby Mobile Money agents | Côte d'Ivoire | | | aPay | /apay | Convert gift cards and crypto to instant cash in minutes | Nigeria | | | Cardtonic | /cardtonic | Get virtual cards, trade gift cards, pay bills, and shop online | Nigeria | | | Gexipay | /gexipay | Pay bills, trade crypto, and convert airtime to cash | Nigeria | 5 | | Cashwyre | /cashwyre | Spend crypto for local currency payments across Africa | Nigeria | | | Coast | /coast | Trade gift cards and crypto for instant cash payouts | Nigeria | 5 | | PalmPay | /palmpay | Mobile money, savings, bills, and agent cash services | Nigeria | 4.3 | ## 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?page=2) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)