Send money, pay bills, trade crypto, buy or sell gift cards, and create virtual dollar cards — all in one place.

What you can do
Virtual Dollar Cards
Create instant virtual cards for online payments, subscriptions, and international purchases — no physical card needed.
Bill Payments
Pay electricity bills, buy airtime and data (MTN, Airtel, Glo, 9mobile), and renew DStv or GOtv — in seconds.
Gift Cards
Buy gift cards from top brands or sell your unused ones for cash at competitive rates.
Crypto Trading
Buy and sell crypto quickly, right from your wallet.
Wallet & Transfers
Fund your wallet, send money to anyone, and withdraw to your bank. Fast and straightforward.

Why SparkPay
• Bank-level encryption with Face ID, Touch ID, or PIN support
• Fast transactions — most complete within minutes
• No hidden fees
• In-app support whenever you need it

Getting started
Download → Verify your identity → Fund your wallet → You’re set.