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Pay for Everything in One Place

Send money, pay bills, and buy airtime instantly. Enjoy seamless payments with zero stress, whether it's transfers to any bank or settling your daily expenses.

Personal Accounts
Easy Account Management
Instant Transfers

Send Money to Any Bank for Free

Transfer funds to over 30 banks in Nigeria instantly with zero charges. Enjoy 25 free transfers every month, with transactions processed in seconds. Send money to friends, family, or business partners anytime, anywhere with just their account number.

Bill Payments

Pay Your Bills Without Hassle

Settle all your bills from one app—electricity (NEPA/PHCN), TV subscriptions (DSTV, GOtv, Startimes), water bills, and more. No more queues or disconnections. Get instant confirmations and digital receipts for every transaction you make.

Fast Transfers
Bill Payments
Airtime & Data

Recharge in Seconds

Buy airtime and data for yourself or others across all Nigerian networks—MTN, Airtel, Glo, and 9mobile. Top up instantly with a few taps and enjoy seamless recharges anytime. Save your favorite numbers for even faster transactions next time.

Join AppFocus in 3 Simple Steps

Start your journey to financial freedom today

01
Step 1

Sign Up

Register via USSD (*7006*19#) or download our mobile app from your app store.

02
Step 2

Get Verified

Complete your KYC with BVN and valid ID verification in just a few minutes.

03
Step 3

Start Growing

Access loans, start saving, and invest immediately with full banking features.

Download AppFocus

Manage your finances anytime, anywhere with our mobile app. Available on iOS and Android.

Download App