Make Payments, send and receive money; Quick and Seamlessly

Securely send and receive money with NIRRA. Tailored to ease your lifestyle, make payments for your utility and regular needs.

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About the Nirra App

The NIRRA mobile application is a one-stop-shop for all lifestyle services. Send and receive money to anyone instantly. Pay your bills from the comfort of your home. Shop and pay in instalments or apply for a loan on NIRRA. NIRRA is one of the smartest, convenient & secured ways to do airtime top-up, pay your utility bills & much more, all at the BEST price! Your NIRRA Wallet offers you a payment experience that is simple, secure and stress-free.

why choose Nirra?

So why choose Nirra over other
Finance Service Platform

Awesome User Experience
NIRRA is a fast-growing Mobile Payment platform in Nigeria, built for top notch user experience, speed and security.
It’s Safe
When it comes to money and lifestyle, safety is as important as accessibility. NIRRA attaches great importance to protecting its user's information as all details inputted on the platform are encrypted in the background.
Adapting Solutions
We are constantly adapting solutions to the ever-changing finance needs of the 21st century honest, hardworking African.


One App, Many Uses

Fast & Secure Transfer
You can send money to other banks for free and receive money in real-time. All you need is a phone number or email to open an account.
Get Instant Loans
Never get stuck as you can receive instant money into your wallet to complete your transactions when you have insufficient balance.
Pay Your Utility Bills
Make your payments from the comfort of your homes or on-the-go. Pay for your cable TV, electricity, water, education, toll, tax, and more.
Make your payments from the comfort of your homes or on-the-go. Pay for your cable TV, electricity, water, education, toll, tax, and more.


What users are saying about
the Nirra App


Frequently Asked Questions

How can I apply for a loan through the app?

You can apply for a loan through the app by filling out a simple application form and submitting the required documents.

What are the eligibility criteria for obtaining a loan through this app?

The eligibility criteria typically include age, income, credit history, and other factors. These criteria may vary depending on the type of loan you are applying for.

What is the maximum and minimum loan amount that can be applied for?

The maximum and minimum loan amounts depend on the type of loan product you select.

What is the interest rate for the loans provided by the app?

You can find the specific interest rates for each loan product in the app. Can I repay the loan before the tenure ends?

Are there any hidden charges associated with the loan process?

This is the core of Nirra, we are simply a marketplace for you to find exchange rates that you think is fair.

Can I repay the loan before the tenure ends?

Yes, you can repay the loan before the tenure ends.

Are there any hidden charges associated with the loan process?

We are committed to transparency, and there are no hidden charges. All applicable charges will be clearly communicated to you before you proceed with the loan application.

How secure is the app in terms of my personal and financial information?

We use the latest encryption and security measures to safeguard your personal and financial information. Your data security and privacy are of utmost importance to us.

Are there any special deals or offers provided exclusively through the app?

Yes, we frequently offer special deals and exclusive offers on various lifestyle products and services for our app users. Keep an eye on the app for the latest promotions.

Can I track my lifestyle expenses using this app?

Yes, the app provides a feature to track your lifestyle expenses, helping you understand your spending patterns and make informed financial decisions.

What are the benefits of using the savings feature of this app?

The savings feature offers various benefits such as a quick save option, amazing interest rates, and tools to help you achieve your financial goals.

Does the app offer any interest on the savings account balance?

Yes, the app offers competitive interest rates on the savings account balance, helping your money grow over time and maximising your savings potential.

What happens if I need to withdraw money from my savings account urgently?

You can use your savings as collateral to request a loan to access some funds before the maturity date.

Are there any fees associated with the savings account?

There are no additional fees or charges on your savings.

our partners

These are a few of our partners