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An OPay or PalmPay alternative with offline banking built in
Many Nigerians keep two or three money apps so they're never stuck when one is down. Here's what Rainpay adds if you already use OPay or PalmPay.
What Rainpay gives you
- Instant transfers to any bank, with the fee shown before you confirm.
- USSD (*347*635#), SMS (34461) and voice banking for when you have no data.
- A virtual dollar card, international transfers and global top-ups in the same app.
- Ajo circles, savings goals, flights, hotels and event tickets.
Free transfers: compare like for like
- Rainpay-to-Rainpay wallet transfers cost ₦0. Personal transfers to external Nigerian bank account numbers, including OPay and PalmPay, normally cost ₦107.50 including VAT.
- We do not claim Rainpay is cheaper than OPay or PalmPay, or that their allowances and charges match ours. Check each provider's current pricing and offer conditions.
- The October 1 Freedom Transfers campaign is not an ongoing daily free-transfer offer.
Switching is easy
- Sign up with your phone or email, verify with your BVN and a selfie, and fund your wallet by bank transfer to your own account number.
Questions people ask
Can I use Rainpay alongside OPay or PalmPay?
Yes. You can send money between Rainpay and any Nigerian bank or wallet.
Money that moves as fast as you hustle.
Open my Rainpay wallet