The principal plus a flat 5% fee, charged once when you buy and shown to you before you confirm. That total never changes — it does not grow with time, there is no interest and there is no late fee. Your due date is 7 days by default.

AzaBill is built by CodeMatrix Consult LTD, registered in Nigeria. Every transaction runs on secure, regulated banking rails, systems are pen tested regularly and your data follows NDPR at every step. AzaBill itself is not a bank or a microfinance bank, and your funds sit with our regulated banking partner.

What does Azabill cost?

Signing up, your wallet and paying a bill from your own balance are free. When you put a bill on pay-later, we charge a flat 5% of the amount, once, upfront — you see the exact total before you tap. There is no interest, no rollover and no late fee. Card top-ups carry a standard 1.5%, capped at ₦200.

New the bills wallet. not a loan app.

Your bills don't
wait for alert.
Neither should you.

Aza is the wallet that fronts your airtime, data, light and DStv the moment you need them, then lets you settle whenever money comes in. Not a loan app. A bills wallet that never leaves you stranded.

No install —Get started Coming soon —App Store Get it onGoogle Play

bank grade security no guarantor, no paperwork real humans, never bots

9:41

●●● ⌁

How much you
need today?

Settle on or before 25 May.

Fronted to you

₦4,000

Flat fee

Settle in

7 days

Front ₦4,000 now

9:41

●●● ⌁

Good morning

Tobi

Aza wallet

₦248,200.50

8023 4456 21 · tap to copy ›

+ Add money

Send

Loan

Pay bills

Airtime

Data

Light

Outstanding ON TRACK

₦11,400

Due 25 May62% repaid

₦500 airtime loaded

MTN · just now

+₦4,000 unlocked

bills wallet · instant

the bills wallet

Account low.
Bills still get paid.

Verify your BVN once, and your bills wallet is live. Airtime, data, light and DStv all get fronted the moment you need them. You settle later — whenever alert land, salary don enter, side hustle pay, whatever works for you. Aza no be person wey go dey call your phone for money. E just dey wait quietly till you ready.

airtime & data on tab

Network wan cut?
Aza dey before am.

MTN, Glo, Airtel, 9mobile — all on the same wallet. Once your limit grows, you fit front up to ₦4,000 in seconds. A flat 5% is added once, upfront, and you see the exact payback figure before you confirm. That number never moves after that — no interest, no rollover, no late fee.

₦500 MTN airtime 1.5GB Glo data ₦1k Airtel 2GB 9mobile

every bill in Naija

Light, TV, internet.
One wallet carries them all.

IKEDC, EKEDC, AEDC, PHEDC for light. DStv, GOtv, StarTimes for TV. Spectranet and Smile for internet. Instead of juggling five apps and five different balances, Aza holds your whole household's bills in one place, and clears them the moment you say go.

MTN

GLO

AIR

9MB

no paperwork

No guarantor. No queue.
Just your BVN.

There is no bank statement to upload, no form to fill for thirty minutes, no guarantor to convince. Verify your BVN once, and your wallet limit is ready, often in under ten seconds.

approval time

~8 seconds

BVN verified · instant limit

data on tab

Data when WiFi betray you.

One tap. Pick your gig. We front it. You stay online. Settle later from wallet, transfer or USSD — any way wey easy for you.

1.5GB

30 days · MTN

₦1,000 · pay later

3GB

30 days · Glo

₦1,500 · pay later

10GB

30 days · 9mobile

₦4,000 · pay later

real bank account

Not just a wallet.
A real account with your name on it.

The moment you sign up, a real Nigerian account number is generated for you, ready to receive salary, send to any bank, and pay bills directly. It behaves exactly like the account you already trust, because it sits on the same regulated banking rails.

Your Aza account

8023 4456 21

ready in seconds

auto repay

Alert land. Aza settles itself.
You do nothing.

Turn on auto repay once, and every time salary or income hits your wallet, Aza quietly takes only what it's owed and clears your tab, down to the last kobo, without you lifting a finger.

Salary detected ₦11,400 settled All clear · 0 fees

chat aza anywhere

Talk to your wallet
like you talk to a friend.

No need to open an app and tap through five screens. Just message Aza on WhatsApp: "send ₦500 MTN to 0803," "pay my DStv," "how much fit dey my wallet." Aza replies in plain English or pidgin, whichever you speak, and sets it up right there. Every real transaction still asks for your PIN inside the app, so the convenience never costs you your security. No data? Dial the USSD code.

on whatsapp

chat aza. e go sort you.

Talk normal English or pidgin — "send ₦500 MTN to 0803…", "how much I fit borrow?", "pay my DStv". Aza understand and set am up sharp-sharp.

"buy ₦500 airtime" "check my balance" "pay IKEDC ₦2k" "how much I fit borrow?"

Chat Aza on WhatsApp +23408151026745

on telegram

prefer telegram?
aza dey there too.

Open the bot, link your account once, then gist am the same way — balance, airtime, data, bills, transfers, loans. Fast, free, works on any data.

"data for 0810…" "pay my GOtv" "wetin be my balance?"

Open @Azabillbot @Azabillbot

even by email

fire aza a mail.
e go reply.

No app open? Mail Aza from the email wey you signed up with. Ask anything — "what's my balance?", "buy ₦2k airtime for 0803…" — and Aza replies and sets it up.

"send my last 5 transactions" "pay my DStv"

Email Aza [email protected]

no internet? no wahala

data finish?
dial the code.

Zero data, zero stress. Dial Aza's USSD code to top up, pay bills and clear your tab — works on any phone, any network, even kpangolo phone.

ussd · coming soon

*1234*1#

dropping soon — watch this space

coming soon

how to use aza

three taps.
then you dey gist money.

01 / SAVE AZA

save aza as a contact.

Save Aza's number +23408151026745 on your phone as "Aza" — e make am easy to find anytime, and e helps your chats reach am sharp. On Telegram, tap to open @Azabillbot; by email, just write [email protected]. Use the same number/email wey you use for AzaBill.

02 / GIST AZA

tell am wetin you want.

Type am like a human: "buy ₦1k Glo for 0805…", "send ₦5k to my GTB", "I wan borrow ₦3k airtime". No menu, no "press 1". Same Aza on every channel.

03 / APPROVE IN-APP

tap, PIN, done.

For anything wey move money, Aza sends you a secure link — you approve am for the app with your PIN or fingerprint. Your PIN never enter the chat. Ever.

No AzaBill account yet? Get started in your browser or grab it on mobile, sign up — then Aza fit do anything for you, anywhere.

how it works

three steps.
then you outside.

01 / SIGN UP

drop your number.
get a real account.

BVN, NIN, mirror selfie — done. Your bank account spins up in like 90 seconds. Free forever.

Phone

0810 2456 89

BVN verified

02 / PUT IT ON TAB

airtime, data, light.
add to tab. one tap.

Pick what you need, hit "pay later", Aza pays the biller in seconds. Tab grows. You unbothered.

+₦500 airtime +₦2,000 IKEDC +1.5GB MTN

03 / CLEAR TAB

alert land?
tab don clear.

Or settle anytime before. Transfer, card, USSD, or let auto-repay do its thing. No drama. No DMs from agents.

OwedCleared

₦11,400₦11,400

the app

built in Naija.
for the way we move.

From Yaba to Yola, Lekki to Kano — one app. Every bill. Every transfer. Every tab.

9:41

●●● ⌁

What bill we
dey pay today?

Search billers

AllAirtimeDataPower

MTN

Glo

Airtel

9mobile

IKEDC

EKEDC

DStv

GOtv

Spectranet

9:41

●●● ⌁

Good evening

Chinwe

Aza wallet

₦52,840.00

8023 4456 21 · tap to copy ›

+ Add money

Send

Loan

Pay bills

Airtime

Data

Light

Unlock

Front up to ₦4,000, instantly

Complete BVN to unlock

9:41

●●● ⌁

Outstanding

You owe

₦11,400

Due 25 May62% repaid

Fronted

₦4,000

Repaid

₦9,300

Auto-repay set ✓

Repay now

why aza

A wallet for your bills,
not a loan for your problems.

Handled with the same care as your bank.

Every transaction runs on secure, regulated banking rails — the same standard used by the financial apps millions of Nigerians already trust. AzaBill itself is not a bank or a microfinance bank, and your funds sit with our regulated banking partner. Your data follows NDPR at every step.

What you see is what you pay.

Nothing hidden. Your limit unlocks in seconds, with no guarantor and no collateral. You choose your repayment date, and Aza never adds more than what it told you upfront.

instant

approval in seconds — no guarantor, no paperwork, no collateral.

any network

MTN, Glo, Airtel, 9mobile — plus light, TV & every daily bill.

pay later

settle when your next alert lands. you pick the date.

trust & security

Handled with the same care as your bank.

Built by CodeMatrix Consult LTD, on secure, regulated banking rails. Systems are pen tested regularly and aligned with CIS Controls, OWASP Top 10, and the NIST Cybersecurity Framework.

CIS

CIS Controls v8.1

Center for Internet Security — the global benchmark for cyber-defence.

OWASP

OWASP Top 10

Every release scanned & hardened against the top web-app risks.

NIST

NIST Cybersecurity Framework

Aligned across all five functions: Identify, Protect, Detect, Respond, Recover.

questions you got

the FAQ.
spelled out.

Still confused? Use in-app chat or email [email protected]. Real humans, real fast.

so how does the bills wallet actually work?

Verify your BVN once and your bills wallet is live. Tap Airtime, Data, Light or DStv, hit "pay later", and it's fronted the moment you need it. You settle later — whenever alert lands, salary enters, or side hustle pays. It's a bills wallet, not a loan app.

wait — what's the catch? what do I pay back?

The amount plus a flat 5% fee, charged once at the moment you buy and shown to you before you confirm. Settle by your due date (7 days by default). If you run late the amount you owe stays exactly the same — no interest, no rollover, no late fee. What it does affect is your Trust score and whether you can pay later again.

is azabill legit? who's running this?

Azabill is built by CodeMatrix Consult LTD, registered in Nigeria (codematrixltd.com). Everything money-related — your account, transfers, card top-ups — runs on secure, regulated banking rails, the same kind powering the apps you already trust. Your data is handled per NDPR.

where does my account number actually come from?

You get a real Nigerian bank account on signup. It's a normal account number — receive transfers from anywhere, send to any bank, and pay bills, just like any account. AzaBill itself is not a bank or a microfinance bank.

which networks & bills do you cover?

All four networks (MTN, Glo, Airtel, 9mobile). All major discos (IKEDC, EKEDC, AEDC, PHEDC, EEDC, JEDC, KEDCO). All cable (DStv, GOtv, StarTimes, Showmax). Internet (Spectranet, Smile, Swift). Plus exam fees (WAEC, JAMB, NECO) and LCC.

do I need to install anything?

No. Use Azabill right away in any browser at app.azabill.ng — nothing to install. Prefer an app? Search "Azabill" on the App Store or Google Play, or scan the QR up there ↑ (iOS 14+, Android 8+).

what does it cost?

Sign-up, your wallet and paying a bill from your own balance are free. Put a bill on pay-later and we add a flat 5%, once, upfront — that is how we make money and we show it to you before you tap. Card top-ups carry a standard 1.5%, capped at ₦200. Transfers out carry a small flat fee shown at the time.

Your bills don't
wait for alert.
Neither should you.

Your bills don't
wait for alert.
Neither should you.

How much you
need today?

Account low.
Bills still get paid.

Network wan cut?
Aza dey before am.

Light, TV, internet.
One wallet carries them all.

No guarantor. No queue.
Just your BVN.

Data when WiFi betray you.

Not just a wallet.
A real account with your name on it.

Alert land. Aza settles itself.
You do nothing.

Talk to your wallet
like you talk to a friend.

chat aza. e go sort you.

prefer telegram?
aza dey there too.

fire aza a mail.
e go reply.

data finish?
dial the code.

three taps.
then you dey gist money.

save aza as a contact.

tell am wetin you want.

tap, PIN, done.

three steps.
then you outside.

drop your number.
get a real account.

airtime, data, light.
add to tab. one tap.

alert land?
tab don clear.

built in Naija.
for the way we move.

What bill we
dey pay today?

Outstanding

A wallet for your bills,
not a loan for your problems.

Handled with the same care as your bank.

What you see is what you pay.

Something feel off?
Talk to a real person.

Handled with the same care as your bank.

they tried it.
they vouch.

the FAQ.
spelled out.

Stop letting a low balance
decide your day.

Tweaks

Your bills don'twait for alert. Neither should you.

Your bills don'twait for alert. Neither should you.

How much youneed today?

Account low.Bills still get paid.

Network wan cut?Aza dey before am.

Light, TV, internet.One wallet carries them all.

No guarantor. No queue.Just your BVN.

Data when WiFi betray you.

Not just a wallet.A real account with your name on it.

Alert land. Aza settles itself.You do nothing.

Talk to your walletlike you talk to a friend.

chat aza. e go sort you.

prefer telegram?aza dey there too.

fire aza a mail.e go reply.

data finish?dial the code.

three taps.then you dey gist money.

save aza as a contact.

tell am wetin you want.

tap, PIN, done.

three steps.then you outside.

drop your number.get a real account.

airtime, data, light.add to tab. one tap.

alert land?tab don clear.

built in Naija.for the way we move.

What bill wedey pay today?

Outstanding

A wallet for your bills,not a loan for your problems.

Handled with the same care as your bank.

What you see is what you pay.

Something feel off?Talk to a real person.

Handled with the same care as your bank.

they tried it.they vouch.

the FAQ.spelled out.

Stop letting a low balancedecide your day.

Tweaks ×

Your bills don't
wait for alert.
Neither should you.

Your bills don't
wait for alert.
Neither should you.

How much you
need today?

Account low.
Bills still get paid.

Network wan cut?
Aza dey before am.

Light, TV, internet.
One wallet carries them all.

No guarantor. No queue.
Just your BVN.

Not just a wallet.
A real account with your name on it.

Alert land. Aza settles itself.
You do nothing.

Talk to your wallet
like you talk to a friend.

prefer telegram?
aza dey there too.

fire aza a mail.
e go reply.

data finish?
dial the code.

three taps.
then you dey gist money.

three steps.
then you outside.

drop your number.
get a real account.

airtime, data, light.
add to tab. one tap.

alert land?
tab don clear.

built in Naija.
for the way we move.

What bill we
dey pay today?

A wallet for your bills,
not a loan for your problems.

Something feel off?
Talk to a real person.

they tried it.
they vouch.

the FAQ.
spelled out.

Stop letting a low balance
decide your day.

Tweaks