Rainpay features
Free transfers on Rainpay
Send from one Rainpay wallet to another for ₦0. Free wallet transfers do not mean every bank transfer, deposit or card payment is free.
Always free: Rainpay wallet to Rainpay wallet
- Send to another Rainpay customer inside Rainpay using their wallet details. Rainpay charges no transfer fee.
- Sending to an external bank account number is a bank transfer, not a free wallet-to-wallet transfer — even when the recipient uses another money app.
Personal bank transfers: ₦107.50
- Sending naira from your personal wallet to a Nigerian bank or external wallet costs ₦100 plus ₦7.50 VAT: ₦107.50 in total, added to the amount you send.
- This includes sending to bank account numbers at OPay, PalmPay and other institutions. Check the charge before confirming.
Promotions are separate
- The 3 Freedom Transfers offer was an October 1 promotion for verified customers, subject to activation and available slots. It is not an everyday entitlement and is not a current free-bank-transfer promise.
- If a new offer applies to you, the confirmation screen shows the waiver. Do not assume an old campaign still applies.
Other charges still apply
- Adding money through a virtual bank account or checkout can carry funding charges. Dollar cards, international transfers and currency conversion have separate pricing.
- A free wallet transfer does not remove your mobile network's USSD, SMS or call charges.
Questions people ask
Are Rainpay transfers to OPay or PalmPay free?
Personal transfers to their bank account numbers normally cost ₦107.50 including VAT. Only Rainpay-to-Rainpay wallet transfers are always free.
Do I get three free bank transfers every day?
No. The October 1 Freedom Transfers campaign was time-limited, not a daily allowance.
Where do I see my exact fee?
On the transfer confirmation screen before you approve the payment.
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