---
title: "Zap by Paystack: Bank Transfer App in Nigeria"
description: "Send instant bank transfers in Nigeria with linked bank accounts or Apple Pay (tier-based). Top up a Zap wallet, verify by OTP and KYC."
canonical_url: "https://liners.com/zap-by-paystack"
markdown_url: "https://liners.com/zap-by-paystack.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/joinzap/screenshot.webp?v=1776345773381"
published_at: "2026-04-16T13:23:05.622Z"
updated_at: "2026-08-28T03:01:13.763Z"
---

# Zap by Paystack: Bank Transfer App in Nigeria

Send instant bank transfers in Nigeria with linked bank accounts or Apple Pay (tier-based). Top up a Zap wallet, verify by OTP and KYC.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Zap by Paystack](/zap-by-paystack)

## Summary

Fast, secure bank transfers for everyday spending

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://joinzap.com/ |
| Tagline | Fast, secure bank transfers for everyday spending |
| Primary country | Nigeria |
| Platforms | iOS, Android, Web |
| Average rating | 5 |
| Published reviews | 1 |
| Verified listing | Yes |

## About the product

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)**.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [P2P](/tags/p2p): Product feature or technology
- [Personal Finance](/tags/personal-finance): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/zap-by-paystack/alternatives)
- [Reviews](/zap-by-paystack/reviews)
- [Transparency](/zap-by-paystack/transparency)

## Access and citation

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