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A mobile app for consumers in Nigeria and Ghana to sell gift cards for Naira or Cedis, withdraw to bank or mobile money, and pay bills with rewards and 24/7 support.
Tbay is a mobile app for consumers in Nigeria and Ghana who want to sell unused gift cards for cash (Naira or Cedis), withdraw quickly, and handle everyday bill payments in one place.
Key capabilities include:
Available on Android and iOS.
It primarily serves B2C users converting popular gift cards (including brands such as Steam, iTunes, Amazon, and Google Play) into local currency, plus anyone looking to pay bills and earn in-app rewards.
In the Nigerian and Ghanaian market context, it highlights trade safety measures such as vendor verification, escrow, and a 30,000 Tbay Points vendor deposit, alongside 24/7 support via AI chat or live agents, and a large stated user base (over 1.3 million).
As of May 11, 2026, Tbay is rated 4.7 on the App Store from 2.8K reviews and 4.5 on Google Play from 41.5K reviews with 1M+ installs.
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