Smart Banking for Everyone

Send money instantly to any bank account, pay bills, and manage your finances with zero transfer fees. Experience banking freedom with Koja Pay.

Koja Pay App Interface

Bank-Grade Security

Your money is secure with CBN-regulated protection.
BVN verification and 2-factor authentication for all transactions.
24/7 fraud monitoring and instant transaction alerts.

Powered by AMAC Microfinance Bank Limited Insured by the CBN
CBN
Secured App

Privacy Policy

Your privacy is important to us. This policy outlines how we collect, use, and protect your personal information.

Information Collection

We collect personal information when you use our services, including your name, email address, and payment information.

Use of Information

We use your information to provide and improve our services, process transactions, and communicate with you.

The Banking Wallet for Everyone

Join the future Nigerians using Koja Pay for:
• Instant transfers to all Nigerian banks
• Bill payments and airtime recharge
• Virtual cards for online shopping

Smart Banking