Send & receive
Send money to any bank in seconds.
Transfers to other PayIQ users are free. Snap an account number with your camera and we fill the rest.
No more typing account numbers by hand.
Coming soon to Android and iOS
The AI Money that thinks with you.
Send, save, pay bills and run your Ajo in one app, with an AI that tells you where your money is going.
Free transfers to other PayIQ users
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PayIQ is the money app for Nigerians who want to see where every naira goes, keep more of it, and get honest help along the way.
One app for everyday money.
Bills & airtime
Light, data and DStv, paid in a few taps.
Buy airtime and data for every network, pay prepaid or postpaid electricity, and renew your cable without stress.
No more queueing to buy light.
Savings goals
Save for rent, school fees or Detty December.
Set a goal, lock it or keep it flexible, and save a small cut every time you send money.
No more “where did my money go?”
Ajo
Run your Ajo without the wahala.
Start or join an Ajo with people you trust. Contributions go out on time and payouts land automatically.
No more chasing anybody for contribution.
Virtual cards
A naira card for everything online.
Create a virtual card in minutes for Netflix, Jumia and more. Set your own limit and freeze it any time.
No more giving your main card to every website.
Introducing Ibra
Just talk. Ibra understands.
Ibra is the AI inside PayIQ. Type or speak in English or Pidgin, and get answers like a friend who is good with money.
Chat mode
Ask anything about your money and get a straight answer, with the details ready to act on.
A voice conversation with Ibra. You ask: How much I spend on food this month? Ibra answers: You spent ₦62,300 on food this month. That’s ₦9,000 more than September by the same day.
Voice mode
Tap and talk, hands free. Ibra answers out loud, and you can interrupt any time.
English or Pidgin
Ask the way you normally talk. Ibra understands both.
You always confirm
Ibra prepares the transfer. Nothing moves until you enter your PIN.
Daily nudges
Short tips on your spending, like subscriptions creeping up.
Voice recordings are deleted as soon as Ibra reads them.
AI-powered money
Smart help, built into every screen.
PayIQ uses AI quietly in the background, so you spend less time on money admin.
Spending insights
Ibra notices what changed in your spending and tells you, in plain English.
Ask about any spend
How much went on food or data this month? Ask, and get the number.
Payments, prepared
Say who to pay. Ibra fills the transfer for you to confirm.
Auto categories
Every transaction sorted, so your reports make sense.
Money health score
One score for how your money is doing, and how to improve it.
Smart receipts
Snap a receipt. PayIQ matches it to the right payment.
Privacy first
Your balance is your business.
Somebody looking over your shoulder? Phone in the wrong hands? PayIQ was built for real life in Nigeria.
004Getting started
Ready in four steps.
From waitlist to your first transfer in a few minutes.
- 01Step 1
Join the waitlist
Drop your email. Waitlist members get in first when we launch.
- 02Step 2
Download PayIQ
Get the app on Android or iOS and sign up with your phone number.
- 03Step 3
Verify with your BVN
A quick check and your account number is ready.
- 04Step 4
Send, save and talk to Ibra
Fund your account and start. Ibra is there when you need help.
006FAQs
Common questions
No. PayIQ is a financial technology company. Your account is opened and held with our banking partner, Safe Haven Microfinance Bank Limited, which is licensed by the Central Bank of Nigeria.
Have any other questions?
Contact us
Be the first to get PayIQ.
Join the waitlist and we’ll email you as soon as the app is ready. No spam.