Everything you need to know about Zap by Paystack

Zap is an app for everyday payments, built to make sending money via bank transfer as fast and simple as possible. If you’re new to Zap or just curious, here’s everything you need to know.

What is Zap?

Zap is Paystack’s first-ever consumer app, a fast, simple, and secure mobile app that lets you send payments via bank transfers in Nigeria with no delays and no clutter.

Zap is a financial platform and not a bank. Banking services are provided by Titan Trust Bank, a licensed financial institution regulated by the Central Bank of Nigeria.

Why should I use Zap?

Zap offers a better way to send money, especially if you use more than one bank.

With Zap, you can:

• Send money in seconds with transfers that work fast and reliably.
• Link multiple bank accounts in one app — no more switching between apps.
• Track your transfers easily with a clean, simple interface.
• Save beneficiaries
• Use Apple Pay if you’re visiting Nigeria.

It’s everything your bank app does, but simpler, faster, and all in one place.

How do I get started with Zap?

Getting started is easy:

• Download Zap from the iOS App Store or Google Play Store
• Enter your phone number and verify it with the OTP sent to you
• Verify your identity, create a secure password and complete the KYC process based on your desired account tier.
• Link your payment method (bank account or Apple Pay) or fund your Zap wallet.
• Start sending money!

Who can use Zap?

Zap is currently available to residents of Nigeria, as well as international visitors who want to send money while in the country.

What payment methods does Zap support?

• Nigerian bank accounts
• Apple Pay

You can choose any of your linked accounts when making a transfer.

Which currencies are available on Zap?

Currently, Zap supports Nigerian Naira for local transactions.

Can I link more than one bank account to Zap?

Yes! Zap lets you connect multiple Nigerian bank accounts and Apple Pay — all in one place. Instead of jumping between different banking apps every time you want to make a transfer, Zap brings all your payment options into one simple, reliable app.

Switch between accounts with just a tap, and choose the one you want to pay from — without ever leaving Zap.

What kind of bank accounts can I link to my Zap account?

You can link any bank account supported by NIBSS Direct Debit to your Zap account. Zap uses NIBSS to securely connect your accounts, so if your bank is supported by NIBSS, it can be added to Zap. Here’s a list of all NIBSS-supported banks.

What are the different account tiers on Zap?

Zap currently offers different account tiers based on the level of verification you complete. Each tier has different transaction and balance limits:

Tier 1

• Daily transfer limit: ₦50,000
• Balance limit: ₦200,000
• You can: Link bank accounts

This tier is perfect for getting started quickly with basic verification.

Tier 2

• Daily transfer limit: ₦200,000
• Balance limit: ₦500,000
• You can: Link bank accounts

This tier offers more flexibility and higher limits once you’ve completed additional verification.

Tier 3 (Coming soon!)

• Daily transfer limit: ₦5,000,000
• Balance limit: ₦100,000,000
• You’ll be able to: Link both accounts and cards, with full access to all features.

We’ll share an update once Tier 3 becomes available, so you can unlock even more features on Zap.

How do I link my bank account on Zap?

Please see here for a guide on linking your bank account. Note that only Nigerian bank accounts can be linked on Zap.

How do I connect my Apple Pay account on Zap?

Please see here for a guide on linking your Apple Pay account. Note that Apple Pay is available for Tier 2 and Tier 3 users only.

Can I use Zap outside Nigeria?

Yes, you can use Zap internationally, but certain features (such as linking a Nigerian bank account) are only available to users in Nigeria. International users have access to limited features, such as Apple Pay transactions.

Is Zap safe?

Absolutely. Zap runs on Paystack’s battle-tested infrastructure, which powers payments for over 300,000 businesses across Africa. Your data and transactions are protected with industry-standard security protocols, including biometric login and two-factor authentication.

Are there any fees to use Zap?

Yes. Zap offers transparent pricing — you’ll always see any charges upfront before confirming a transaction. No hidden fees. Ever. You can check the latest fee breakdown here.

When is Zap coming to other countries?

We’re starting with Nigeria, but we’re working to expand Zap to more African countries. To stay updated, follow Zap on Twitter and Instagram.

I have more questions. How can I get help?

We’re happy to help. You can reach out to our team through the Zap app or email [email protected]

Download Zap on iOS and Android to get started.