---
title: "Eyowo: Money Transfers in Nigeria"
description: "Send, receive, request payments in Nigeria by phone number or NUBAN. Pay bills, buy airtime/data. Save up to 13% interest via web/USSD *4255#."
canonical_url: "https://liners.com/eyowo"
markdown_url: "https://liners.com/eyowo.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/eyowo/screenshot.webp?v=1771637853308"
published_at: "2026-02-21T11:32:59.775Z"
updated_at: "2026-10-07T15:21:06.094Z"
---

# Eyowo: Money Transfers in Nigeria

Send, receive, request payments in Nigeria by phone number or NUBAN. Pay bills, buy airtime/data. Save up to 13% interest via web/USSD \*4255#.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Eyowo](/eyowo)

## Summary

Send, receive, pay, and save using only a phone number

A CBN-regulated digital banking and payments platform in Nigeria that lets consumers and businesses send and receive money, pay bills, and save from mobile and web.

## Product details

| Field | Value |
| --- | --- |
| Website | https://eyowo.com/ |
| Tagline | Send, receive, pay, and save using only a phone number |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Eyowo is a CBN-regulated digital banking and payments platform in Nigeria for consumers and businesses that want to send, receive, pay, budget, and save money using a phone number.

Key capabilities include:

- **Phone number based accounts**: users can treat a Nigerian phone number as an account identifier (and can also use a **NUBAN account number**).
- **Transfers and collections**: send money to **any phone number** or **bank account**, and request payments using an **Eyowo request**, **payment link**, phone number, or NUBAN.
- **Spend and pay**: support for everyday payments, including **bill payments** and **airtime/data purchases**.
- **Saving and money insights**: in-app saving (the site references **up to 13% interest**) and **spending insights** that show how and where money is spent.

Available via **web**, and **USSD (*4255#)**, with additional access channels mentioned in product materials such as IVR and telephony.

Target users include **individual consumers**, **retailers and small businesses** (including Eyowo Retail PoS use cases from product materials), and **developers** that need **payment APIs** for integrations such as transfers and collections.

It is notable in the Nigerian market for operating through regulated entities licensed by the Central Bank of Nigeria (Payments Solution Provider and Microfinance Bank), and for positioning the phone number as a primary identifier for banking and payments, including offline access via USSD.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Microfinance Bank](/tags/microfinance-bank): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/eyowo/alternatives)
- [Reviews](/eyowo/reviews)
- [Transparency](/eyowo/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/eyowo)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)