Your money, everywhere it needs to go.
ItrackPay lets you pay bills, buy and redeem gift cards, trade crypto and move money across the world — all from one beautifully simple app.
Trusted infrastructure
Bill payments & VTU
Everyday bills, done in seconds.
From airtime top-ups to DSTV and betting wallets — one place for every recurring payment.
Designed for speed
A payments hub built like a real fintech.
Every biller you use, grouped and searchable. Pay a single bill or set up favorites for one-tap repeat payments.
- Buy MTN, Airtel, Glo & 9Mobile airtime
- Purchase data bundles at the best rates
- Pay PHCN, EKEDC, IKEDC electricity bills
- Fund DSTV, GOTV, Startimes & Showmax
- Top up SportyBet, Bet9ja, 1xBet wallets
Crypto, simplified
Trade, swap and move crypto with ease.
A powerful crypto engine wrapped in a friendly interface. Perfect for first-timers and pros.
Buy & Sell Crypto
Instant BTC, USDT, ETH and more at competitive rates.
Send & Receive
Move crypto anywhere in the world in seconds.
Swap Anytime
Swap between coins in one tap with live pricing.
Redeem Gift Cards
Turn 100+ gift cards into naira instantly.
Wallet & Banking
Fund and cash out — the smart way.
Dedicated bank account
Every user gets a personal auto-generated Nigerian bank account for instant deposits.
Instant naira withdrawals
Withdraw to any Nigerian bank account in seconds, 24/7.
Real-time balance
Watch your naira and crypto balances update the moment funds land.
Gift Cards
Buy, gift and redeem — globally.
Grab an App Store, Google Play, Amazon, Netflix or Uber Eats card in seconds. Or redeem your existing cards for naira at the best rates.
How it works
Get started in three steps.
Download & sign up
Install ItrackPay, verify your phone and email in under two minutes.
Verify your identity
Complete KYC with your ID for full access to crypto and higher limits.
Fund & transact
Fund via your dedicated bank account and start paying, trading or sending.
Live crypto rates
Trade at market-leading rates.
Rates refresh every minute from CoinGecko. Final quote is locked in-app right before you tap confirm.
Indicative buy/sell prices include an approximate 2.1% spread. Actual rates may differ at execution.
Loved by users
The wallet Nigerians are switching to.
"I run my whole business on ItrackPay — airtime for staff, DSTV for the office, and USDT for suppliers. It just works."
"The crypto swap is faster than any exchange I've used, and the rates are unreal. Face ID checkout is chef's kiss."
"I redeem my Amazon and iTunes cards here every week. Instant naira, no drama. Support is always online."
FAQ
Common questions.
Can't find what you need? Reach us any time in-app or by email.
See all questionsIs ItrackPay free to download?+
Yes, on iOS and Android. Transaction fees are shown before you confirm.
Which crypto assets are supported?+
BTC, USDT, ETH, BNB, TRX and more across their native networks.
How fast are gift cards delivered?+
Most cards arrive instantly. Some brands may take up to 5 minutes.
How do I withdraw to my bank?+
Tap Withdraw, choose your bank, enter the amount and confirm with Face ID or your PIN.
Why ItrackPay
Built for how Nigerians actually spend.
One app, zero friction. Every feature is designed to save you time, money and taps.
Best rates, guaranteed
We benchmark daily against top exchanges so you always get more naira per dollar.
Sub-second settlement
Airtime, data and cable top-ups reflect on your line in under 3 seconds.
Non-custodial-grade security
Multi-layer encryption, device binding and biometrics on every sensitive action.
Real humans, 24/7
Chat with our Lagos-based support team any hour of the day, any day of the week.
Multi-chain crypto
Bitcoin, Ethereum, BNB, Tron, Solana and more — all in one wallet, one dashboard.
No hidden fees
Every fee is disclosed on the confirmation screen before you approve a transaction.
Refer friends. Earn forever.
Get ₦500 for every friend who signs up with your code — plus 10% of their transaction fees, for life.
- Instant naira rewards to your wallet
- Unlimited referrals, unlimited earnings
- Bonus tiers unlock at 10, 50 and 100 friends
Your referral code
Works with everything you use
Networks, billers & assets we support.
Telcos
Electricity
Cable & Betting
Banks
Crypto
Gift cards
Rates, tips & product updates.
Join 45,000+ subscribers getting the best crypto rates and gift card deals every Friday. No spam, unsubscribe any time.
Everything money should be.
Join thousands of Nigerians using ItrackPay to pay bills, trade crypto, and manage their money — one secure app.