NGN, USD, GBP, EUR & Crypto

Spend it. Send it. Stack it.

Naira, dollars, crypto and bills, handled in one app that keeps up with your hustle.

App Store

Play Store

Buy and sell crypto with a seamless experience designed to keep you in control.

USD account$1,240.50

Live rate

Transfer to John Ken6:14 PM

-₦45,500

Locked with bank-grade encryption
Your face is your password
Every account BVN-verified
Real people, any time of day

Features

Everything you need to move money smarter.

You SendBalance: ₦12,000

NGN

₦100,000.00

They Get

James DoeGHS

₵920.00

Send ₦100,000

Send Money Across Borders

Send money internationally with ease. Enjoy competitive exchange rates, transparent fees, and secure transfers to your loved ones wherever they are.

Four currencies, zero stress

Park your NGN, USD, GBP and EUR side by side and switch at live rates whenever you like.

Airtime
Internet
TV
Electricity
Betting
Cards

Bills? Done before lunch.

Airtime, data, TV, light, betting and flights in a couple of taps.

Bitcoin₦85,938,118+1.8%
Tether₦1,532+0.1%
Ethereum₦4,212,560−0.6%

Crypto without the chaos

Buy, sell and swap BTC, USDT and ETH with naira at clear rates.

Your money's bodyguard

Your security comes first. Every transfer is protected with robust security measures designed to keep your money and personal information safe.

Cards

Tap it. Click it.
Own it.

Grab a virtual card in seconds for online shopping, or get a physical card delivered for shops, POS and ATMs. One app runs them both.

Virtual card
- Ready in under a minute
- Online shopping & subscriptions
- USD or NGN
Physical card
- Delivered to your door
- Shops, POS & ATM withdrawals
- Contactless payments

Freeze, set limits and get instant alerts on both cards.

Get your card

Virtual cardReady in seconds

Physical cardDelivered to your door

Stircash AI

An assistant that understands your finances.

Get personalized insights, understand your spending habits, and get clear answers to your money questions—all through a simple conversation with Stircash AI.

Budget with easeSet budgets and get a nudge before you overspend.
See the bigger pictureWeekly and monthly reports, without the spreadsheets.
Spot anything unusualAlerts when a charge looks out of place.

Stircash AIYour personal money assistant

Show me my July spending breakdown

In July, you spent ₦124,500 across 38 transactions. Here’s where your money went.

Food & Dining₦42,500

Shopping₦42,500

Transport₦21,500

Bills₦18,000

Others₦14,500

Key Insight: You spent ₦42,500, accounting for 34% of your total spending

Can you

Spending Analytics

See your money,
clearly

Charts that explain themselves. Know what you spend, where it goes and how to keep more of it.

Where it all goes

Every naira sorted into categories automatically, so you spot the leaks fast.

₦342,500Spent in October

Food
Transport
Bills
Shopping
Transfers

↓ 12% less than September

Food 25%

Track every month

Compare money in and money out over time and watch your savings grow.

Cash flowNet +₦107,500 this month

Last 6 months

₦500k₦400k₦300k₦200k₦100k₦0

October+₦107.5k saved

Money in
Money out

Extras you’ll love

Built for how you really live

Group payments
Birthday gift, trip fund or rent split? Collect it together and see who has paid.
Stircash AI
Your pocket money coach, with weekly insights and tips that actually help.
Rewards
Rack up points as you spend, plus ₦5,000 for every friend you bring along.
Savings
Save in naira or crypto and watch your goals grow, one deposit at a time.

Steps

Open your account
in three steps

Download Stircash
Get the app on iOS or Android and sign up with your phone number.
Verify your identity
Add your BVN and take a quick selfie. It takes about two minutes.
Fund and go
Add money by bank transfer, then send, save and spend right away.

Got questions?

We've got
answers

Every account is protected by bank-level encryption, your PIN, Face ID and two-factor login. We also watch for unusual activity and alert you straight away.
Transfers to other Stircash users land instantly, and most transfers to Nigerian banks arrive within seconds.
You can hold naira, US dollars, British pounds and euros in one wallet, and swap between them at live rates.
Create a virtual card in the app in seconds, or order a physical card and have it delivered to your door.
Opening an account is free. Any fee for a transfer, swap or card is shown clearly in the app before you confirm.
Yes. Buy and sell supported crypto straight from your naira balance, with the rate shown upfront.