Banking for the new age

Experience seamless transactions, enhanced security, and cost savings with KongaPay

Send Money in 5 Seconds!

Experience lightning-fast transfers to any bank account

Lightning Fast

Instant transfers to any bank

All Banks Supported

Send to any Nigerian bank

Affordable

Low transfer fees with free options for KongaPay to KongaPay transfers

Secure Transfers

Bank-grade security

K-Save - No More Sapa Stories

Our flexible savings solution with industry leading interest rates up to 28% annuallyempowering you to save smartly, securely, and effortlessly

Amount to Save (₦)

Duration (Months)

Expected Returns

₦0

Competitive Rates

Earn up to 28% per annum - the highest rates in the market

Low Minimum Deposit

Start saving with as little as ₦5,000 accessible to everyone

Flexible Savings Periods

Choose terms starting from as short as 30 days up to 12 months

Secure and Disciplined Savings

You can take out your interest early with just a small penalty, and your principal stays safe!

Earn Daily Rewards Just for Loyalty!

Earn daily rewards based on your wallet balance. Loyalty rewards you can trust!

Daily Rewards

Earn interest every day based on your wallet balance - no further action required

No Minimum Balance

Start earning rewards from day one, with minimal wallet balance

Automatic Crediting

Rewards are deposited directly to your wallet - no manual claims required

Industry-Leading Rates

Track your rewards and watch them grow - no surprises when the deposits come in

Create Payment Links in Seconds!

Create custom links to collect funds from anyone, ideal for freelancers and small businesses

Social Selling

Share payment links on Instagram, WhatsApp, or Facebook to sell products directly from your social pages

Service Providers

Send professional payment requests to clients for services rendered, with automated receipts

Event Organizers

Collect contributions or sell tickets easily for events, with real-time tracking of attendance

Fundraising

Gather donations for causes and projects with transparent, secure payment collection

Set Up Payment Details

Enter the amount, description, and expiration date for your payment link

Generate & Share Your Link

Copy the link or share directly to any social media medium

Track Payments in Real-Time

Monitor payment status and receive instant notifications when paid

Pro Account For Small Businesses

The ultimate account for entrepreneurs and small business owners - access POS terminals and inventory management systems even before formally registering your business

POS Terminal Access

Accept card payments anywhere with a dedicated POS terminal, even without a registered business

Inventory Management

Keep an eye on your stock and sales in real-time with our easy-to-use inventory management system

Growth Path

Easily switch to a full business account as your business expands and gets more official

Business Insights

Get analytics and reports to grow your business

Pay Bills in Seconds

Pay your bills, subscriptions, and more in a snap! No more waiting in line or forgetting payments!

Airtime

Top up any network instantly

Electricity

Pay electricity bills easily

Internet Data

Buy data bundles

TV Subscription

Pay TV subscriptions

What Our Customers Say

Join millions of satisfied KongaPay customers across Nigeria

“Very reliable and trustworthy. Bank with them and thank me later.”

Onumajuru Chineye

“To be honest, KongaPay is one of the best apps out there for daily transactions. I would give it a 10-star if possible.”

Alhaji Usman

“I'm extremely satisfied with KongaPay and would highly recommend it to anyone looking for a reliable and efficient digital payment solution.”

Lyht Angle

Take KongaPay With You Everywhere

Download our mobile app to access all features on the go, manage your finances anytime, anywhere

Got Questions? We Have Answers

Find answers to the most common questions about KongaPay

The minimum amount you can save in K-Save is ₦5,000, and the minimum duration is 1 month. This makes it accessible for individuals looking to start their savings journey with manageable amounts.

Yes, there is a penalty for early withdrawal. A 25% breaking fee will be charged on the accrued interest if you withdraw before your savings plan matures. This fee is designed to encourage disciplined savings and help you achieve your financial goals.

You can fund your K-Save plan directly from your KongaPay wallet balance. This provides a seamless and secure way to start your savings journey without the need for external transfers.

K-Save offers competitive interest rates ranging from 20% to 28% per annum, depending on the duration of your savings plan. Longer-term savings plans typically attract higher interest rates, providing you with better returns on your investment.

No, you cannot top up an existing savings plan. Each K-Save plan is created with a fixed amount and duration. However, you can create multiple savings plans simultaneously to meet your different financial goals.

Upon maturity, your savings amount plus the accrued interest will be automatically credited to your KongaPay wallet. You'll receive a notification confirming the completion of your savings plan and the funds will be immediately available for your use.

Yes, KongaPay offers an attractive loyalty rewards program. You can earn up to 6% per annum on your wallet balance when you maintain a minimum balance of ₦50,000. This provides an additional way to grow your money while using KongaPay's services.

Your money is very safe with K-Save. KongaPay implements industry-standard security measures, including encryption, secure servers, and regular security audits. Additionally, all transactions are monitored and protected by our advanced fraud detection systems.

Yes, you can have multiple savings plans simultaneously. This flexibility allows you to create different savings plans for various financial goals, each with its own amount and duration, all managed conveniently through your KongaPay account.

You can easily monitor your savings progress by visiting the K-Save page on your KongaPay app. The dashboard provides a comprehensive view of all your active savings plans, including current balances, interest earned, and time remaining until maturity.