Money that movesas fastas you hustle.
One app for your wallet, transfers at home and abroad, airtime, data and bills — plus dollar cards, savings, food packages, flights, hotels, event tickets and travel data for your trips. Built for the market, the street and the compound.
No card needed. No monthly fees. Just your email and a password.
Payment received
₦5,000.00
No smartphone? No data? No problem.
Rainpay works on every phone in Nigeria.
Money that moves as fast as you hustle — even when your data finish. Dial, text or call from the number on your account.
SMS banking · 34461
- RAINPAY HELP — see all commands
- RAINPAY BAL + your app PIN to 34461 — check your balance
- RAINPAY BLOCK 1234 — freeze your account fast
Voice banking · +234 201 700 0992
- Press 1 — hear your balance
- Press 2 — block a lost or stolen phone
- Press 3 — talk to Rainpay support
1234 stands for your 4-digit transaction PIN. Delete the text after sending. Standard network rates may apply.
Everything you already do with money — just easier
Your money, in your pocket
Your own account numbers for receiving money, top-ups from any bank or card, and every transaction in plain language.
TransfersSend home and abroad
Type the 10 digits and we find the bank and the name. Free between Rainpay users, and out to foreign banks and mobile money too.
BillsAirtime, data, light and TV
Recharge in two taps at home, and top up phones, utilities and gift cards in over a hundred countries when you travel.
CardsDollar cards that just work
Create a card for Netflix, Amazon or ads, move money in and out any time, and download a proper statement whenever you need one.
Save & pay small-smallFood packages and savings
Pay weekly or monthly towards rice, oil, gas or a hamper and collect at maturity — or lock savings away and earn up to 12% a year.
LifestyleFlights, hotels, shows and tables
Book flights and hotels (pay now or hold and pay later), buy event tickets with a QR code, reserve restaurants and get travel data for your trip.
BusinessRun your business on Rainpay
Register your business, collect payments with a link, give each team member their own sub-account with limits, and build on our API with keys, event alerts and allowed addresses.
Kids & TeensMoney lessons that start early
Savings pots for children under 13, automatic pocket money, and supervised teen spending with your own limits, blocked categories and approve-before-you-spend requests.
Works where you spend
From the okada man to the provision shop, from your landlord to your sister in Aba — Rainpay is built for everyday Nigerian money, not boardroom banking.
Start now. Collect your food in December.
You do not need a whole year. Choose a short daily, weekly or monthly plan that finishes by December 15.
Time left to finish by December 15
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days
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hours
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mins
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- 1
Pick a package — food basket, family box, hamper or cooking gas.
- 2
Pay small-small daily, weekly or monthly, straight from your wallet.
- 3
When you finish, we deliver it, you pick it up, or you take the cash.
December-ready choices
Daily · weekly · monthly
Delivery, pickup or money back
Everything inside Rainpay
A lot has been added since we started
Rainpay began as a simple wallet. Today it carries your everyday money, your savings, your bills, your dollar card, your food packages and your travel — at home and abroad.
Money in
- Your own account numbers for receiving money any time
- Choose which bank opens your receiving account
- Top up with card, bank transfer, USSD, OPay or mobile money
- Card top-ups in dollars, pounds and euros, and DeFi deposits
Money out
- Type the 10 digits — we find the bank and confirm the name
- A hint when a bank is having trouble, so you can use another
- Free instant transfers between Rainpay accounts and usernames
- Send abroad to foreign banks, Revtags and mobile money wallets
Everyday bills
- Airtime and data on every Nigerian network
- Electricity tokens, TV subscriptions and internet
- Government, school and institution payments with instant receipts
- Automatic refund if a purchase does not deliver
When you travel
- Travel data (eSIM) for over 100 countries — keep your Nigerian number
- Top up phones and pay utilities abroad
- Gift cards you can buy for yourself or send to anybody by email
- Flights and hotels, pay now or hold the price and pay later
Grow and save
- Savings plans earning up to 12% a year
- Food and gas packages you pay weekly or monthly, then collect
- Contribution circles with honest turns and records
- Refer and earn Rain Points worth ₦1 each
Cards and statements
- Dollar cards for online and everyday spending
- Card statements you can download as PDF, Excel or CSV
- Wallet statements and proof of address on demand
- Every transaction named clearly, with a full receipt
Going out
- Event tickets with your own code and QR at the gate
- Send a ticket to somebody else's email with a message
- Restaurant and club tables reserved for you
- Airport pickups, tours and holiday packages on request
Safe and supported
- Tiered verification with BVN, ID and address checks
- PIN, one-time codes, app codes (Google Authenticator or Authy) and selfie checks
- Your app locks itself after 15 minutes — PIN, password or fingerprint to open
- Report any transaction for dispute or fraud and track the case
Requests and people
- Request money from another Rainpay user with a memo
- Approve or decline any request that comes to you
- Saved recipients and beneficiaries in one tap
- Round-the-clock help in the app, plus a full help centre
Ready when you are
Create your Rainpay account in a minute — or leave your email and we'll send you updates as new features land.