London → Lagos
Sending home, made easy.
Chioma in London tops up Mum's naira wallet from her UK account. Mum gets it in seconds and the fee is 0.45%, not a lucky dip.
Now live in Lagos
moneyfor digitalnatives.
Hold naira, dollars, pounds and euros in one app. Get paid from anywhere, send home or abroad at the real rate, and spend like you live everywhere.
★★★★★ 4.9 on iOS and Android·Free to open, no paperwork
One app, many money
Every currency you live in.
Open naira, dollar, pound and euro balances in a tap, then cedi, shilling, rand and Canadian dollar when you need them. Switch between them at the real rate, any time, 24/7.
You got $850.00Invoice #0142 paid · Northbeam Studio
Your USD account details
- Name
- Adaeze Okafor
- Routing (ACH)
- 026 073 150
- Account
- 8331 0042 7719
Receive from abroad
Get paid like a local, everywhere.
Your own US, UK and EU account details, ready the moment you sign up. Clients, payouts and family abroad pay you like they'd pay anyone at home: no SWIFT codes, no week-long waits.
- USD details for ACH and wire, GBP for Faster Payments, EUR IBAN for SEPA
- Keep it in dollars, or turn it into naira when the rate suits you
- Built for freelancers, creators and remote workers paid by Upwork, Deel, Payoneer, Stripe and YouTube
Send abroad
Naira out. Dollars in. Minutes, not days.
Tuition in Toronto, rent in London, a gift for a friend in Houston. Send from Nigeria to 8 countries at the mid-market rate, with the fee and the arrival time on screen before you tap send.
- The rate you see is the rate you get, locked for 30 seconds while you confirm
- Every send is confirmed with Face ID and tracked step by step
- Send to accounts, Cash App and Zelle tags, MoMo and M-Pesa wallets
Diaspora, both ways
Family is global now. Your money should be too.
Lagos → Anywhere
Pay for the world from Lagos.
Netflix, Spotify, ASOS, Coursera, flights and visa fees. Your Zaya card pays in dollars, pounds or euros straight from that balance, so no surprise naira charges.
Card
One card. Every currency. Zero drama.
A virtual card the second you sign up, and a physical one delivered anywhere in Nigeria. It spends from whichever currency you're paying in, and you control it all from the app.
Freeze in a tapLost it? Freeze it, find it, unfreeze it.
Spend limitsSet daily caps for online, ATM and tap.
Apple Pay & Google PayAdd it to your phone in seconds.
Disposable cardsOne-time numbers for new sites.
Pockets & splits
Save for the plan. Split the bill. Stay friends.
Pockets keep goal money apart from spending money, with round-ups and auto-saves. Split a suya run or a Lekki Airbnb in seconds, and Zaya chases the stragglers for you.
Safety & trust
Fun to use. Serious about your money.
Zaya Money is a financial technology product. Your money is held with licensed, regulated partners, never lent out, and protected by the same verification every serious money app in Nigeria uses.
Licensed partners
Naira is held with CBN-licensed partners in Nigeria. Dollars, pounds and euros are held with regulated partners in the US, UK and EU, in accounts kept separate from Zaya's own money.
Verified with BVN & NIN
Every account is checked against your BVN, NIN and a live selfie, so the person behind every Zaya tag is real.
Face ID on every send
Money only moves when you say so, with Face ID or your passcode. New devices are held for review, and you get a ping for every naira.
Humans, 24/7
Real people in Lagos answer in-app chat any hour. Freeze your card, report a scam or dispute a payment without waiting on hold.
Zaya people
Paid in dollars. Living in Lagos.
My US clients pay my Zaya dollar account and I convert when the rate is right. No more begging for wires.Tunde Bakare · Product designer, Yaba
I pay my Coursera and Figma in dollars straight from my card. My naira stays my naira.Zainab Bello · Student, Abuja
My sister sends from London, Mum gets it in seconds. The whole family is on Zaya now.Kelechi Nwosu · Creator, Enugu
The Detty December pocket is undefeated. I hit my goal two weeks early.Funmi Adeyemi · Analyst, Lekki
Running a business? Meet Zaya Business.
Payments in store and online, a business account and cards, invoices, payroll and multi-currency collections, all in one place.
Your money,
your passport.
Open Zaya with your phone number, BVN and a selfie. It takes about three minutes.