Zap by Paystack

Paystack Inc.

About this app

Zap is built by Paystack to do one thing well: make spending effortless, reliable and organized, every single time. Backed by the infrastructure powering thousands of Nigeria's most trusted businesses.

Here's what that looks like in practice.
• No bloat. Just clean, fast payments. Zap is designed to be clutter-free. No unnecessary screens, no confusing menus, just a clean, super-fast payment experience that gets out of your way.
• Finally know where your money goes. Zap automatically categorises your spending and surfaces insights about your financial habits. See patterns, track what matters, and stop guessing at the end of the month.
• Pay the same people faster. Zap remembers everyone you pay. Repeat any transfer in two taps without re-entering account numbers.
• Scan to pay. Point your camera at any account number whether on a payment decal, receipt, invoice, or phone screen, and Zap reads the digits and finds the bank for you. No more typing long numbers or second-guessing.
• All your banks, one app. Connect whichever banks you use and move money from them without switching apps.
• Pay at any Paystack checkout. Zap works natively at thousands of Paystack-powered businesses across Nigeria. Pay directly from Zap with just a few taps. It’s faster than any other payment method.
• Fast, reliable and secure every time. Built on Paystack's infrastructure, every transfer is encrypted and protected. Your money moves securely, and when it lands, you'll know immediately.


Zap is not a bank. Deposits are held with our licensed banking partner. Zap is a product of Paystack Payments Limited, licensed by the Central Bank of Nigeria.

Ratings and reviews

I really enjoy using Zap I now use it as my personal bank. The UI is simple, clean, and very easy to use. However, I’d love to see support for business accounts. Also, the account upgrade process is quite slow. I’m currently on Tier 2 and my upgrade to Tier 3 is still pending. Great app overall, just needs improvement in upgrades.

Horrible app. If I could give this app a zero star, I would not hesitate. This is the worst banking app by miles. the app keeps crashing each time you try to send money. I have even timed the crash to be 10 seconds each time. My money is stuck in the app and I cant get it out. There are barely any other features besides adding money or sending money. There are no phone numbers to contact customer care. The whole thing looks like a scam.Dear fidelity bank, this is unacceptable. You can do better!

Downloaded Zap because of the simplistic UI and lack of unnecessary features and it absolutely delivers. The ability to use my camera to scan an account number is a game changer. However, I can't scan account numbers that are further away like when I'm in a church hall or event center; I'm guessing due to camera API limitations but with CameraX API it would be nice to see a zoom feature and better preview quality. Also waiting to be able to link GTBank.

What’s new

We fixed a few bugs and made a few improvements to keep Zap smooth and secure.