Pay bills with crypto or cash
From airtime to electricity, data to TV subscriptions, pay with crypto or cash
All your bills
in one app
Pay your bills directly from your Swapto wallet using crypto or Naira, anytime you want
Airtime & Data
(MTN, Glo, Airtel, 9mobile)
Electricity
IKEDC, EKEDC, AEDC, PHED
Cable TV
DStv, GOtv, StarTimes
Education
WAEC, NECO, JAMB
Flights
Wakanow, Cowry
Why Swapto for bills
payments?
Flexible
options
Use what’s convenient for you – Crypto or Cash
Instant
payment
Real-time confirmation on every transaction
Earn
rewards
Collect Swapto Points on every payment and redeem them for discounts or perks
Seamless control in one app
Track transactions, set spending reminders, or automate recurring payments
Unified bill history
Instant receipts and notifications
Built-in budgeting insights
Secure by
design
Every Swapto transaction is protected by bank-grade encryption, two-factor authentication, and real-time fraud monitoring
Encrypted payments with bank-grade securityTwo-factor authentication for every transactionInstant alerts and digital receipts24/7 support for any issue
How to pay bills with Swapto
Open a free Swapto account in minutes
Select the category (Airtime, Electricity, Internet, etc.)
Choose payment method: Crypto or Cash
Confirm and pay instantly
Best choice ever for your money
Open USD, GBP, and EUR accounts
Hold and exchange 30+ currencies
Earn up to 4.5% AER (variable) daily
Send and receive globally, 24/7
Transparent rates, no hidden fees
Join the 100,000+
customers using
Swapto
Take Swapto
everywhere you go!
Freedom feels even better when it pays you back and you keep more of your money.
