FogPay

FogPay — your banking, endless possibilities for people and businesses across Africa.

Open a free naira wallet in minutes and do all your everyday banking from one app. FogPay gives you a real NUBAN account number, instant transfers to any Nigerian bank, cheap airtime and data, electricity and TV bill payments, virtual and physical cards, savings, and multi-currency accounts — plus banking over WhatsApp with FogPay-Easy.

ACCOUNTS IN 5 CURRENCIES
Hold and manage money in NGN, USD, EUR, GBP and CNY. Your dollar account lets you receive, hold and spend US dollars without leaving the app — no queues, no paperwork, no hidden FX surprises.

INSTANT NUBAN TRANSFERS
Every FogPay account comes with a NUBAN account number. Send and receive money instantly to and from any Nigerian bank, save beneficiaries, and confirm recipient names before you send.

BUY AIRTIME & DATA, PAY BILLS
Top up airtime and data on all major Nigerian networks in seconds. Pay electricity bills (prepaid and postpaid), renew your TV subscription, and handle everyday VAS payments without leaving home. Instant value, instant receipts.

VIRTUAL & PHYSICAL CARDS
Create virtual cards instantly for online payments and subscriptions, and order a physical card for ATM and POS use. Freeze, unfreeze and manage your cards from the app.

SAVINGS THAT WORK
Move spare money into savings and watch it grow. Set targets, lock funds, and build the habit — whether you're saving ₦1,000 or ₦1,000,000.

WHATSAPP BANKING — FOGPAY-EASY
Bank where you chat. With FogPay-Easy on WhatsApp you can check your balance, buy airtime and data, send money and more — even on low data or a basic connection.

KYC TIERS THAT GROW WITH YOU
Start small and upgrade when you're ready:
• Starter — up to ₦50,000
• Higher tiers unlock bigger limits, up to Business — up to ₦50,000,000
Verification is quick, in-app, and secure.

BUILT FOR SECURITY
Your money and data are protected with bank-grade encryption, secure login, transaction PINs, and instant freeze controls. FogPay is built by Fog Global Technologies, Lagos, Nigeria.

WHY FOGPAY?
• Free naira wallet with a real NUBAN account number
• Multi-currency accounts: NGN, USD, EUR, GBP, CNY
• Instant NUBAN transfers to any Nigerian bank
• Buy airtime and data at great rates
• Pay electricity bills and TV subscriptions in seconds
• Virtual and physical cards you control
• Savings with flexible goals
• WhatsApp banking with FogPay-Easy
• KYC tiers from ₦50k Starter to ₦50m Business

Download FogPay today — your banking, endless possibilities.

Support: support@fogpay.co
Website: https://fogpay.co
Privacy policy: https://fogpay.co/privacy