7 Best Agent Banking Platforms in Nigeria


Agent banking is a channel used to bring financial services closer to the masses. These platforms are specifically designed for individuals and areas that lack access to bank services. The agent bank empowers existing businesses within the communities to deliver these financial services.

With these agent banking platforms, you can conduct financial transactions such as deposits, withdrawals, receiving and transfer of funds, payment of bills.

7 Best Agent Banking Platforms in Nigeria

Below are the best agent banking platforms used by Nigerians to conduct financial transactions.


Paga is a very popular finance company in Nigeria. You must have come across Paga at one time or the other. Paga is a mobile payment platform that allows people to send and receive money online. The brand has registered agents across the country that accept payments from customers and help them in such transactions as sending money to relatives in remote areas.

Paga was established in 2009 and has since then rendered top-notch services to Nigerians. In 2017, Paga was awarded the ‘Top Mobile Money Operator’ by the Nigeria Inter-Bank Settlement Systems. The company seeks to make financial transactions as convenient as possible by removing all boundaries between customers.

How to open a Paga account

Here are different ways you can open a Paga account:

  • Download the mobile app
  • Register using the website
  • Sign up with a Paga agent
  • Dial *242# on your mobile phone and following the prompts.

Paga has a good testimonial and has not been reported to fail its customers.


ReadyCash was launched in 2012 and has grown to become one of Nigeria’s most significant financial distribution network. The company has agents throughout the country equipped with the needed tools to provide easy access to financial services for the populace.

Features of Readycash

With ReadyCash, you can open banks accounts with any of the accredited banks in Nigeria

Get quick cash or transfer funds

Pay bills such as exam fees and taxes

Access affordable insurance with no hassle

The drive of the company is financial inclusion for the unbanked in Nigeria. With a smartphone and access to an internet connection, you can make use of all services provided by Readycash. ReadyCash has given many Nigerians opportunities to earn and build a sustainable income. People can access all of ReadyCash services through its registered agents. You can also become a financial service provider as a paid agent with readycash.

First Monie

Even if you are not a client of First Bank, you can still enjoy all the benefits that come with FirstMonie. FirstMonie is a product of the financial giant, First bank. The only requirement to using this service is being 18 years and above. The First Money application can work on any kind of cell phone.

Features of the FirstMonie app

  • Send and receive money to anyone irrespective of what bank you use
  • Receive funds from people as long as they have your phone number
  • Recharge your phone
  • Pay utility bills
  • Prolong your subscription for Cable TV services
  • Make donations to any charity of your choice
  • Make investments and pay for insurance

Konga Pay

KongaPay was launched in 2015 and has since then aimed to make financial transactions easy and without much hassle. Have you ever been in a situation where it was difficult to pay for a product online such as an event you wanted to attend so badly? Konga Pay attends to all these kind of issues while giving you a seamless experience.

You can register for the Konga Pay service with a quick one-time setup on your mobile phone. After this, you can link your debit accounts to the app. Konga Pay was one of the first platforms to start conducting BVN verification for online transactions in a bid to curb the activities of fraudsters.

Just like other agent banking platforms mentioned in this article, KongaPay uses world-class security standards to prevent fraud, and minimize risks. This makes it safe to use the platform.

Features of Konga Pay

  •         Accept payments Online and in-store
  •         Make and accept payments easily
  •         Integrate your Konga Pay account into your websites and mobile apps
  •         Fast, reliable & secure with fraud prevention to minimize risks and chargebacks
  •         Seamless payment experience for your customers
  •         By being able to set up recurring payments for purchasers, Konga Pay helps business owners to guarantee future revenue.
  •         Generate QR codes of items you want to sell and share online without the use of CVV or tokens

Naira box

Many Nigerians use this social e-wallet application for various purposes such as purchasing airtime, payment of bills, donate to charity, buy movie tickets, order food, purchase event tickets and performing other activities.

Nairabox works in partnership with accredited banks and reputable organizations, such as Access Bank, Unity Bank, First Bank, Wema, FCMB, UBA, Jumia, Uber and 9Mobile. These partnerships have helped the platform grow massively as it expands the company’s reach. In fact, once you download the Nairabox app, you can search for events around you to attend, buy tickets on the platform and pay from your Nairabox wallet.

You can also link your bank accounts to your digital wallet or transfer money to other wallets quickly. Naira box has been proven to be a very secure payment alternative.


Quickteller offers you an extensive range of services such as:

  • Funding of Betting wallets
  • Payment of Utility bills
  • Payment of fees such as Tolls
  • Airtime and data purchases
  • Fund transfer to friends and family
  • Set up recurring payments

You can also receive money via Western Union through the Quickteller app


Riby is Nigeria’s foremost digital platform designed for cooperatives and trade groups. The company helps these groups’ to access financial services such as savings and loans through the Riby platform. Many associations in Nigeria use Riby to manage and create wealth for their members.

Features of Riby

  • Clients are able to make payments through the platform.
  • Automation of saving process
  • Access to pool group of funds using the Riby platform
  • Access to high-interest investments returns



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