Pay every bill.
Back every buddy.
SwiftBuddy is the colourful money app for everyday Nigerian life — airtime, data, electricity, cable and betting top-ups in one wallet, plus the power to send money or pay a loved one's bill without ever asking for their meter number.
- Face ID & fingerprint login
- Encrypted identity data
- Built on CBN tiered KYC
Welcome
Ada
Wallet balance
₦48,250.00
Quick Actions
Recent Transactions
History
- +₦10,000
Electricity · Mum's House
Gift from @tobi
- -₦2,500
Data · 5GB
Today, 9:41
- -₦15,000
Transfer to @amaka
Yesterday
- Airtime top-up
- Internet data
- Electricity
- Cable TV
- Sports & gaming
- Send & receive
- Bill gifting
- Buddy requests
- Recurring payments
- Loyalty rewards
Nigerians already pay digitally.
Now it can feel personal.
Everyday payments have moved to our phones — but they're still scattered across apps, and supporting the people we love still means copying account numbers from chats. SwiftBuddy brings it all together, built around your people, not just your transactions.
One app per bill
One wallet for all of them
Airtime, data, electricity, cable and betting top-ups live side by side, each with the right flow — amounts for airtime, plans for data and TV, prepaid or postpaid for power.
“Send me your meter number”
Gift the bill, not the details
Save your bills under friendly names like “Mum's House”. Buddies see the nickname and a masked number, pay it directly, and never handle your private details.
Awkward money asks
Requests with context
Ask a buddy for cash or for a specific bill. They see exactly what it's for, and can accept and pay in a tap — or decline with a reason.
A super-app for the payments you make every week.
Fund once by card or bank transfer, then pay, send, gift and request from a single balance — with a proper receipt for every naira.
Bills hub
Five everyday categories, each with a checkout that fits how that bill actually works. Save your details once and pay again in seconds.
Airtime
All four major networks
Internet
Pick a data plan
Electricity
11 DisCos · prepaid & postpaid
Cable TV
Choose your bouquet
Sports betting
Fund your wallet fast
Buddies
Find friends by @username, phone number or your contacts, then send money in a couple of taps.
Community requests
Ask a buddy for cash or a specific bill. They review it, then accept and pay — or decline with a reason.
Cable TV · Family room
From Kemi · ₦9,000
Set it and forget it
Schedule recurring top-ups, bills and transfers so the lights stay on and the data never runs out.
Data · 10GB
Every month on the 1st
Receipts you can trust
Every transaction gets a clean, shareable receipt — and failed or reversed payments are clearly marked, so nobody mistakes them for proof of payment.
Gift a bill. Keep your details private.
Cover a parent's electricity, a sibling's data or a friend's TV subscription without asking anyone to send private numbers over chat.
My Bill Profiles · Electricity
Mum's House
Prepaid · 0451 2289 7710
My Apartment
Postpaid · 6120 8834 5521
From download to your first bill in four steps.
- 1
Sign up in minutes
Create your account with your phone number, set a transaction PIN and switch on Face ID or fingerprint login.
- 2
Fund your wallet
Top up with a saved card or by bank transfer into your own account number.
- 3
Add your buddies
Find the people you pay most by @username or from your contacts.
- 4
Pay, gift and earn
Pay bills, send money, gift bills and collect loyalty points as you go.
Bring your people. Climb the tiers.
Every SwiftBuddy member gets a referral code and a link to share. You earn points when a friend signs up, and more when they fund their wallet for the first time. Watch your progress from Bronze to Platinum.
- Friend signs up
- +50 pts
- Friend funds their wallet
- +200 pts
Point values reflect our MVP and may change before launch.
Your points
1,240
Bronze
0+ pts
Silver
500+ pts
Gold
2,000+ pts
Platinum
5,000+ pts
Your referral code
ADA-4F2K
Your trusted payment partner, down to the code.
Moving money for the people you love means getting the basics right. These protections are already built into the SwiftBuddy app.
Biometric login
Unlock with Face ID or your fingerprint, so only you can open your wallet.
Transaction PIN
Every payment needs your PIN. Five wrong tries locks it for 15 minutes.
Two-step checks
Changing your PIN or password, or adding a card, needs a one-time code sent to your email.
Encrypted identity data
Your BVN, NIN and ID numbers are encrypted with AES-256 before they're stored, and only ever shown masked.
No double spending
Each balance change is checked atomically, so two payments can never spend the same naira.
Privacy by design
Buddies who gift your bills see only a nickname and a masked number, never your real details.
Tiered accounts, built on the CBN KYC framework
Start with the basics, then verify more to unlock higher limits. Limits are checked on every funding, transfer and bill payment.
Get started
Tier 1
- Full name
- Phone number
- Date of birth
Higher limits
Tier 2
- Everything in Tier 1
- BVN
- A valid government ID
Full access
Tier 3
- Everything in Tier 2
- NIN
- Proof of address
The app is built. Launch is next.
SwiftBuddy is more than an idea. The MVP is built and running end to end. We're now doing the careful work that has to come before anyone's real money: licensing, partners and security.
Built
The MVP app
The complete SwiftBuddy experience for iOS and Android, running end to end.
- Bills hub
- Buddies & transfers
- Bill gifting
- Requests
- Loyalty
- Recurring payments
- Tiered KYC
- Support tools
In progress
Licensing & partners
Completing regulatory approvals and connecting licensed partners for payments, bill delivery and identity verification.
- 3
Next
Early access
Waitlist members get in first, help us fine-tune the experience and earn their first referral points.
- 4
Then
Public launch
SwiftBuddy opens to everyone on the App Store and Google Play.
- 5
On the horizon
Beyond the MVP
Ideas we're exploring as we grow: more bill types like water and school fees, push notifications, and more ways for buddies to pay together.
Our leadership team
A 12-strong team with a proven track record across fintech, software development, customer service and business management, led by:
Joseph Yusuf Onni
Founder & Chief Visionary Officer
Ogemdi Paul Iheduru
Chief Finance Officer
Christianah I. Afolabi
Ag. Chief Operating Officer
Oluwaseyi Oke
Chief Marketing Officer
Prince I. Jimmy
Ag. Chief Technology Officer
What is SwiftBuddy?
SwiftBuddy is a wallet and bills app for everyday life in Nigeria. You can buy airtime and data, pay for electricity and cable TV, fund betting wallets, send money to buddies, and gift or request bills, all from one balance.
When does SwiftBuddy launch?
The app is built. We're now completing regulatory approvals and connecting licensed partners for payments, bill delivery and identity checks. Waitlist members will be the first to get access and the first to hear when we go live.
Which bills can I pay?
At launch: airtime for all four major networks, internet data plans, electricity (prepaid and postpaid) across 11 distribution companies, cable TV subscriptions, and sports-betting wallet top-ups.
How does bill gifting keep my details private?
You save each bill under a nickname you choose, such as “Mum's House”. When a buddy decides to gift you, they only see that nickname and a masked version of the number. The payment goes straight to the bill, and your real details are never shown to them.
What do I need to sign up?
Your name, phone number and date of birth are enough to open a Tier 1 account. To raise your limits, you can add your BVN and a government ID (Tier 2), then your NIN and proof of address (Tier 3).
How is my account protected?
Biometric login, a transaction PIN that locks after five wrong attempts, one-time codes for sensitive changes, and AES-256 encryption for your BVN, NIN and ID numbers. SwiftBuddy will only handle real money once our licensed partners are in place.
Which phones will it work on?
SwiftBuddy is being built for both iPhone and Android.
Be first in line when SwiftBuddy goes live.
Join the waitlist for early access, launch news, and a head start on referral points.
Coming to iPhone and Android