Financial Freedom Simplified.

🚀 Send ₦, pay ₦, buy airtime, convert crypto, manage virtual cards, book flights. Secure & fast! 🇳🇬

Soephay is your ultimate gateway to seamless financial solutions. 0% Fees on Transfers, instant payouts to all Nigerian banks. Experience financial management that's transparent, regulated, and built for Nigerians.

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Create an account here — it works on the app too. Real-time sync.

₦400B+
Over 400 Billion naira in transactions.
50K+
Active Users
4.9+
Rated over 4.9 stars on Android & iOS store.
9:41
₦125,000
Available Balance
💸 Send
📱 Airtime
💳 Bills
🪙 Crypto
📤
Sent to John
2 mins ago
-₦5,000
📥
Received from Sarah
1 hour ago
+₦10,000
💳
💰
🚀
Features

Everything You Need in One App

Powerful tools to manage your finances, pay bills, send money, and more.

Send Money

Transfer money instantly to friends, family, or bank accounts. Fast, secure, and reliable.

Pay Bills

Pay electricity, DSTV, data bundles, and more. Never miss a payment deadline again.

Buy Airtime

Top up your phone or others instantly. Support all major networks in Nigeria.

Virtual Cards

Create virtual cards for online shopping. Secure and instant card generation.

Crypto Wallet

Buy, sell, and manage cryptocurrencies. Secure wallet with multi-currency support.

24/7 Support

Round-the-clock customer support. We're here to help whenever you need us.

About Us

Experience Financial Freedom

Soephay is a comprehensive financial platform designed to simplify how you manage money. We combine cutting-edge technology with user-friendly design to bring you the best financial experience.

Join thousands of users who have transformed how they manage money with Soephay's innovative features and seamless experience.

Bank-level security
Instant transactions
Zero hidden fees
📱
50,000+
Active Users
💰
₦2 Billion+
Transactions Processed
⚡
99.9%
Uptime Guarantee
⭐
4.8/5
User Rating
Testimonials

What Our Users Say

Join thousands of satisfied customers who trust Soephay

⭐⭐⭐⭐⭐

"Soephay has completely transformed how I manage my finances. The app is so easy to use and transactions are instant!"

A
Adebayo O.
Business Owner
⭐⭐⭐⭐⭐

"I love how I can pay all my bills in one place. No more visiting multiple websites or apps. Soephay is a game changer!"

C
Chioma K.
Freelancer
⭐⭐⭐⭐⭐

"The security features give me peace of mind. I can send money to family without worrying. Highly recommended!"

E
Emeka N.
Student

Ready to Experience the Soephay Difference?

Join thousands of users and start managing your finances smarter today.

Download on the App Store Get it on Google Play

Frequently Asked Questions

Here are some common questions and answers to help you out.

General Questions

Soephay is a comprehensive financial platform that allows you to buy airtime, DSTV subscriptions, data bundles, pay bills, send money, manage virtual cards, and access international money transfer services all in one convenient app.

Yes, Soephay is available on both Android and iOS platforms. You can download it from the Google Play Store for Android devices and the App Store for iOS devices.

Yes, you need to create an account to use Soephay. Registration is quick and easy - just download the app and follow the sign-up process.

Money Transfer

To send money to another user, open the Soephay app, navigate to the "Send Money" section, enter the recipient's details (phone number or email), enter the amount, and confirm the transaction. The money will be transferred instantly to the recipient's wallet.

Yes, you can transfer money directly to any Nigerian bank account in real-time using Soephay. Simply select "Bank Transfer" from the transfer options, enter the recipient's bank details, and complete the transaction.

Yes, there are transfer limits in place for security purposes. The limits may vary based on your account verification level. You can check your current limits in the app settings or contact support for more information.

Transfers to other Soephay users are instant. Bank transfers to Nigerian banks are processed in real-time and typically complete within seconds. International transfers may take 1-3 business days depending on the destination country.

If your transfer is delayed or unsuccessful, please contact our support team immediately at support@soephay.com or call +2348074382484. We will investigate the issue and ensure your money is either transferred or refunded to your account.

Bill Payment

You can pay various bills including electricity bills (PHCN, EEDC, AEDC, etc.), cable TV subscriptions (DSTV, GOtv, StarTimes), internet subscriptions, and other utility bills through Soephay.

To pay a bill, open the Soephay app, select "Pay Bills", choose the bill type, enter your account details or customer number, enter the amount, and confirm the payment. The payment will be processed immediately.

Most bill payments are processed instantly. However, some bill payments may take a few minutes to reflect. You will receive a confirmation notification once your payment is successful.

If your bill payment fails, please check your account balance and ensure you have sufficient funds. If the issue persists, contact our support team at support@soephay.com or +2348074382484. We will investigate and ensure your payment is processed or your money is refunded.

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