Tubalipay

The Smarter Way
To Pay & Shop.

Pay bills, buy airtime and data, shop online and transfer money securely with Tubalipay. One wallet, every payment — built for Nigeria.

12,540+ users
4.8 rating
9:41•••

Good Morning, Abubakar

Wallet Balance

₦245,000.50

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Request

Recent

MTN Airtime-₦1,000
Aisha M.+₦5,000
DStv Padi-₦4,400

Flash Sale

-50%

Just sent

₦5,000 → Aisha

Why Tubalipay

Everything you need, one app.

From splitting bills with friends to shopping the latest deals, Tubalipay brings every payment into a single secure wallet.

Secure Payments

Bank-grade encryption, biometric login, and 4-digit PIN protect every transaction.

Fast Transfers

Send money to any Tubalipay user instantly, 24/7. Free for transfers under ₦5,000.

Bills Payment

Pay electricity, DStv, GOtv, Startimes — all from your wallet in under 30 seconds.

Tubali Market

Shop curated deals, flash sales, and everyday essentials. Pay directly from your wallet.

12,540+

Active users

₦25.4M

Monthly volume

3,245

Market orders

99.9%

Uptime

Tubali Market

Flash deals, every day.

⌚

Smart Watch Pro

₦15,000₦22,000
🎧

Wireless Headphones

₦12,500₦18,000
👟

Running Sneakers

₦23,000₦30,000
🔋

20000mAh Power Bank

₦4,500₦7,500
Bank-grade security

Your money is safe with us.

We use industry-leading security to protect every transaction. From biometric login to encrypted storage, your data and money are always secure.

  • Biometric login with Face ID / fingerprint
  • 4-digit PIN required for every payment
  • Tiered KYC: BVN + NIN verification
  • Card details handled by Paystack (we never see your PAN)
  • NDPR-compliant data residency in Nigeria
  • 24/7 fraud monitoring with velocity rules

Three KYC tiers

Tier 1₦50,000/day

Phone + OTP

Tier 2₦200,000/day

BVN verification

Tier 3₦5,000,000/day

NIN + selfie

Get Tubalipay today.

Install the PWA on your phone — no app store visit required. Or download the native apps.

Frequently asked

Is Tubalipay a bank?+

No. Tubalipay is a digital wallet — you fund it via bank transfer to your dedicated virtual account, then spend from it. We're not a bank and don't hold deposits; your wallet balance is reconciled daily against our payment partners' settlement reports.

How long does verification take?+

Tier 1 (phone only) is instant. Tier 2 (BVN) takes 30 seconds. Tier 3 (NIN + selfie) typically completes in under 5 minutes during business hours.

What are the transfer fees?+

P2P transfers between Tubalipay users are free under ₦5,000. Above ₦5,000, a flat ₦50 fee applies. Wallet funding is completely free.

Can I use Tubalipay without a bank account?+

Yes. You can receive money from other Tubalipay users, buy airtime and data, pay bills, and shop the market without needing a linked bank account.