What is Zap by Paystack and how does it work?

Zap by Paystack, is a mobile app for fast, simple, and secure bank transfers in Nigeria. You send money in 5 easy steps with real-time tracking of when funds leave your wallet and arrive, and it consolidates all your bank accounts in one place for quick top-ups.

How much does Zap by Paystack cost?

Zap by Paystack is free to download with no monthly fees, charging a transparent transfer fee of up to ₦50 per transaction.

What countries does Zap by Paystack operate in?

Zap by Paystack operates in Nigeria.

How do I sign up for Zap by Paystack?

To sign up, download the Zap app from the Apple App Store or Google Play Store and register with your phone number and email address

Does Zap by Paystack have a mobile app?

Yes, Zap by Paystack is available on iOS and Android. You can download Zap by Paystack on the App Store for iPhone, or get it on Google Play for Android.

Who is Zap by Paystack best suited for?

Zap by Paystack is best suited for individuals in Nigeria making everyday bank transfers.

How do I contact Zap by Paystack support?

To contact support, submit a request directly through the help center or chat feature within the Zap mobile app.

Zap by Paystack

🇳🇬 Nigeria

A mobile bank transfer app for consumers in Nigeria that enables fast, secure transfers, supports Nigerian bank accounts and Apple Pay, and includes a top-up wallet.

Use it on:Web iOS· 4.3 Android· 4.8

Is Zap by Paystack right for you?

Best for

Everyday transfers
Nigeria bank users
Apple Pay users
Wallet top ups
Bills and spending

What it does well

Fast bank transfers
Secure transfers
Links bank accounts
Apple Pay payments
Top up wallet

Things to check

Supported Nigerian banks
Apple Pay setup needs
Wallet top up limits
Transfer limits
Fee per transfer

Zap by Paystack is a consumer mobile app for people in Nigeria who want a fast, simple way to send money via bank transfers for everyday spending.

Key capabilities include:

Instant bank transfers in Nigeria designed for speed and minimal steps, with a clutter-free interface focused on sending money
Multiple funding options including linked Nigerian bank accounts and Apple Pay (Apple Pay availability depends on account tier)
Wallet top-ups that let users fund a Zap wallet before making a transfer
Account verification and security steps such as OTP phone verification and KYC with tiered account levels

Available on iOS and Android.

Target users include individual consumers in Nigeria, plus international visitors while in Nigeria, who need convenient mobile transfers.

Zap is notable in the Nigerian payments market as Paystack’s first consumer app. It positions itself as a financial platform (not a bank), with banking services provided by Fidelity Bank (regulated by the Central Bank of Nigeria). Deposits are held with Fidelity Bank and insured by the Nigeria Deposit Insurance Corporation (NDIC).

As of Jul 6, 2026, Zap by Paystack is rated 4.3 on the App Store from 22 reviews and 4.8 on Google Play from 305 reviews with 100K+ installs.

Social Links:

Categories:

Fintech

Features & Business Model:

b2c banking mobile-money remittances