Fast and secure transfers
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.
Send, receive and pay, instantly.
Securely send and receive money with Nirra. Tailored to ease your lifestyle, make payments for your utility and regular needs, all from one app.
Open an account with just your phone number or email.
Working with trusted partners
One app, many uses
Send money, pay your bills, save, borrow and shop. Nirra is a one-stop shop for your everyday money needs, all at the best price.
Instant loans
Never get stuck. Receive instant money into your wallet to complete a transaction when your balance is short.
Bills and airtime
Pay from the comfort of your home or on the go.
- Airtime
- Data
- Electricity
- Cable TV
- Internet
- Water
- Education
- Toll
- Tax
Savings and investments
Put money aside with quick save and earn competitive interest on your savings balance, helping your money grow towards your goals.
Lifestyle
Shop for everything you need and pay in instalments. Watch the app for special deals on lifestyle products and services.
Credit score
See your credit score in the app and learn what it means for you.
Up and running in minutes
Download Nirra
Get the app free from Google Play or the App Store.
Sign up with your phone number or email
Create your account and set a PIN to keep it secure.
Add money and go
Fund your wallet, then send money, pay bills and buy airtime straight away.
Why choose Nirra over other finance platforms?
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, safety is as important as access. Everything you enter on Nirra is encrypted to protect your information.
Adapting solutions
We keep adapting to the ever-changing finance needs of the 21st-century, honest, hardworking African.
Everything in one place
Transfers, bills, airtime, savings and loans all live in one app, so you can manage your money without switching platforms.
Your data is protected
Nirra is NDPR audit compliant, and we handle your personal information in line with the Nigeria Data Protection Act. Read our Privacy Policy.
Registered and regulated
Nirra is registered and regularised by the Financial Transactions and Report Analysis Centre of Nigeria as a Money Service Business.
Questions, answered
Everything you need to know about loans, savings and keeping your account safe.
Still need help? Email support@nirra.app or call +234 816 609 0619.
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?
Yes, you can prepay 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.
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.
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.
No questions match your search.
Get the Nirra experience, tailored to your lifestyle
Download the app and open your account in minutes.
