Pryme
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Pryme Personal

Money with a heartbeat.

Meet Eva, the assistant inside the Pryme app. She opens accounts, moves money, saves toward your goals and follows up. Nothing leaves your account without your approval.

Meet Eva, the assistant inside the Pryme app. She holds dollars, pounds, euros and Naira side by side, swaps at a locked rate, pays bills in any of them and sends anywhere, asking before anything moves.

HomeEvery currency, every Box and every card on one screen.
Chat with EvaTell her the goal. She handles the steps and asks before anything moves.
Savings BoxesFlexible, Fixed, Investment and Interest-free, side by side.
Create a BoxPick the type, name the goal. Eva works out what to move, and when.
LoansSpaces credit and Salary Advance. Draw only what you need.
Invite friendsThree friends, ₦50,000 each, and ₦20,000 lands with you.
YouEva’s voice, your plan, your address and every security control.
Duress signalA word that looks normal on screen while your people are alerted.
Chat with EvaTell her the goal. She handles the steps and asks before anything moves.
Swap at the live rateOr name the rate you want and she swaps the moment it lands.
One card, every currencySpend from whichever balance suits, and freeze it from the app.
What Eva may do without askingStanding permissions, a voice, and a record of every rule you have given her.
Receipts anyone can verifyRegular or certified statements, e-signed and checkable by whoever receives them.
Open a personal account How we keep your money safe
Pryme app: Home
Pryme app: Chat with Eva
Pryme app: Savings Boxes
Pryme app: Create a Box
Pryme app: Loans
Pryme app: Invite friends
Pryme app: You
Pryme app: Duress signal
Pryme app: Chat with Eva
Pryme app: Swap at the live rate
Pryme app: Multicurrency card
Pryme app: What Eva may do without asking
Pryme app: Receipts and statements
MoneyAgentsApprovalAgentsEvery currencyYour approval

Open an account. Get money to spend.

Global money. Intelligent growth.

We give you a limit to spend at the shops and services you already use — and an account that works on your month while you get on with it. Dollars, pounds and euros sit beside your Naira, and an assistant handles the running of it, asking you first every single time.

One global account for your money and business. Move across currencies, automate everyday operations and put AI agents to work — with you in control of every important decision.

Open Personal or Business Account Already with us? Log in
Open a Business account Download the app for Personal Open an account from anywhere
Pryme app home: every currency on one balance
Personal · the app in your hand
Salary landed₦920,000 from John Doe Ltd · Naira account
Done
Move ₦100,000 to your Rent Box?Keeps ₦127.9m liquid · earns 18% p.a.
Approve
Paid Ikeja Electric₦18,400 · token sent by SMS
Done
Swap $200 → ₦310,000?Rate locked at ₦1,550 for 30 s
Approve
Held a ₦150,000 transferNew payee · unusual hour · needs you
Review
Received $2,400From a client · USD account
Done
Swap $200 → £—?Rate locked for 30 s
Approve
Paid the light bill at home₦18,400 · Ikeja Electric
Done
Keep $1,000 liquid, save the rest?$1,400 → Flexible Box
Approve
Held a £2,000 transferNew payee · needs you
Review
Eva is live
500,000+customers, personal and businessScan to get the app
Get the appScan with your phone camera
Regulated partnersEvery currency held with a licensed institution in its market
Solid AllianzeCBNNDIC
Scan to get the app
Get the appScan with your phone camera
Instant settlementOur own core ledger: swaps land at once, every receipt verifiableScan to get the app
Get the appScan with your phone camera
Agents with a mandatePowered by Pryme Intelligence. Nothing moves without youFlip
Pryme Intelligence
Eva, the assistant that runs a Pryme accountEvayour assistant
The Chief of Staff agent on a Pryme Business AccountDanielChief of Staff
The Finance agent on a Pryme Business AccountBenFinance
PrymeBruceCare
Inside a mandate you write. Every action logged.
Multi-currency30 currencies on one balanceFlip
Locked rates30 s
🇺🇸 1 USD—
🇬🇧 1 GBP—
🇪🇺 1 EUR—
The rate you see is the rate you get.
10 years2016 to today, one trunkScan to get the app
Get the appScan with your phone camera
Business Account

Open an account. Get customers.

Your competitor down the road sells the same thing you sell. The difference is who walks in. We put money in people’s hands that can only be spent in businesses like yours — and then we point them at you.

The Pryme Business home page: three currency balances on one account, the money actions, five agents working and a live stream of what they have done
Business · the page your team signs into
Spaces · Nigeria

We hand the customer the money. It can only be spent with you.

You are not borrowing. You are selling to somebody who already has the money — and that money can only be spent with a business like yours.

The business · Pryme Business
johndoe.mypryme.com · Spaces

Spaces Showing 30 days

Spaces is onshoppers near you can see your shop
Spaces brought you · 30 days ₦2,578,550.00 104 sales from 71 shoppers ▼ 4% on the period before
Where the money came from
91% shoppers who had been in before 9% first visit to your shop
21 of 71 came back more than once Average basket ₦24,793.75 Biggest shopper ₦142,300.00
24 Jul returningnew to you 22 Aug
Money on its way to you confirmed at the counter · on its way to your Naira account
Confirmed at the counter ₦47,150.002 sales today · final the moment they paid
Sales of 23 Aug₦90,9503 sales · confirmed
Sales of 24 Aug₦196,2005 sales · confirmed
Sales of 25 Aug₦47,1502 sales · confirmed
nothing for you to do · it arrives on its own
Lands in your NGN account ₦334,300.0010 sales in flight
The shopper · Pryme app
4:34
‹
BorrowLoans
SpacesSalary Advance
Spaces credit₦21,450 available
Repay ₦78,550
₦78,550 in use₦100,000 limit
Hold 25% · repay 2 more early to drop to 20%

₦100,000 from day one · agreement v2.1 · 12 Aug · View

Near youCategories 9Your loans 9
🛒Grocery / Retail4 places
🍽Eateries / Restaurants4 places
💊Pharmacies3 places
🎬Movies & Cinema3 places
🚌Transport3 places
💇Spa’s & Saloons3 places
Say “Hey Pryme”🎤
HomeBoxes CardsYou
Freeto join, nothing monthly. You are in the app the day you switch it on.
You get paidthe sale settles into your Naira account. Nobody to chase.
Zero riskwe carry the credit, whether or not the shopper repays us.
You growfaces that had never been to your shop — and most come back on their own.
The account

One account. Every currency you trade in.

Pryme Business4 currencies · one ledger
Base
₦127,328,879.23NGN · Nigerian Naira
$1,240.00USD · US Dollar
£480.00GBP · Pound Sterling
€310.00EUR · Euro
  • A named Naira account with Solid Allianze MFB — NDIC insured, your business name on it.
  • Real details abroad. A US account number, a UK sort code, an IBAN for the euro area.
  • Every currency has its own statement — regular or certified, with a code anyone can verify.
Swapping · in the app
4:34
‹···
Current account · NGN ₦127,328,879.23
SwapBoth balances move at once, on one ledger
Fill it inAsk Eva
$1 = ₦1,650.00
FromNGN ▾
250,000Available ₦127,328,879.23
ToUSD ▾
151.52after swap $1,391.52
Rate$1 = ₦1,650.00
Fee—
You get$151.52
NowWhen it hits

Eva waits for your rate and asks before she moves anything.

Target rate
$1 =1,585.00₦
Set the watch
Pryme Pay

Take money on your site, or on a checkout of your own.

No card, no OTP, nothing for the buyer to type in. They transfer from the bank app they already use, and the money lands in the same account your agents are running — already matched to the order, already in your books.

Pay from your bank app

We give the buyer a one-time account number. They transfer to it from any bank app or by USSD — no card, no OTP, nothing to type in.

Get the account number
  • Card details are never asked for, so they cannot leak.
  • The account is used once, then it closes.
  • Held with a licensed bank, insured by the NDIC.
Transfer exactly this amount

To this account, from any bank app. We watch it, and the page updates itself.

Send exactly₦26,767.50Copy
BankSolid Allianze MFB
Account number0000 000 000Copy
Account namePRYME / JOHNDOE‑ORD1042
Watching the account — nobody has to confirm anything.
Payment received

₦26,767.50 from GTBank · John D., matched to order ORD‑1042.

OrderORD-1042
Settled intoJohn Doe Trading Ltd · Naira account 0000 000 000
Receiptsent to the buyer
Get your receiptRun it again
Your checkout, your brand.On the site you already have, in your colours, on your own domain — or on a page we host for you.
A link for anything you sell.One price, one buyer, one link — sent on WhatsApp, Instagram or email, and paid the same way.
It lands already reconciled.Matched to the order, receipt issued, and in your books before you have looked at it.
Business Account

A team you did not have to hire.

Five agents come with the account. Each one has a job description, a budget and a ceiling you set. They do the work and bring it to you — nothing leaves the account without your signature.

CS Chief of Staff Runs the week

Knows what is stuck, who is waiting and what you promised — and keeps all three moving.

Booked a meeting with John Doe Foods for Thursday 11:00.
FI Finance Watches the money

Keeps the books as you trade and tells you the moment something does not add up.

Flagged a duplicate — invoice DP‑11908 was already paid in July.
COCompliance Keeps you inside the rules

Holds every filing to its own clock and screens names and payments against your policy — and logs what it refuses.

Screened 412 payments overnight and refused two of them.
SA Sales Chases what is owed

Goes back to the buyers who went quiet, with the receipt already attached.

Recovered ₦410,000 across three overdue invoices.
SU Customer Support Answers your customers

Replies, follows up on what they asked for and hands you only the ones that need you.

Resolved 4 conversations — two deliveries, one refund.
Every agent prepares and proposes. You are the only one who can approve.
Build on Pryme

Our rails, under your product.

Issue a dedicated Naira account number to each of your own customers, collect into it and reconcile against it. The same rails the Business Account runs on, with the licence behind them.

Read the API
Pryme Business

One business account. Every currency you trade in.

Dollars, pounds and euros beside a Naira account, on one ledger and one set of books. Five agents come with it and run the account — nothing leaves without your signature.

The Pryme Business home page: Naira, dollar and pound balances on one account, the money actions, five agents working and a live stream of what they have done
Business · the page your team signs into

A team you did not have to hire

Five agents come with the account. Each has a job description, a budget and a ceiling you set. They do the work and bring it to you — they propose, you approve.

CSChief of Staff Runs the week

Knows what is stuck, who is waiting and what you promised, and keeps all three moving.

Booked the quarterly review with your auditor for Thursday.
FIFinance Watches the money

Keeps the books in every currency you hold and flags the moment something does not add up.

Flagged a duplicate — invoice DP‑11908 was already paid in July.
COCompliance Keeps you inside the rules

Holds every filing to its own clock and screens names and payments against your policy — and logs what it refuses.

Screened 412 payments overnight and refused two of them.
SASales Chases what is owed

Goes back to the buyers who went quiet, with the invoice and the receipt already attached.

Recovered $12,400 across three overdue invoices.
SUCustomer Support Answers your customers

Replies, follows up on what they asked for and hands you only the ones that need you.

Resolved 4 conversations — two deliveries, one refund.
Every agent prepares and proposes. You are the only one who can approve.
Open a business account

Ten years, one trunk

The business has changed shape four times and never changed what it was rooted in. Each version was built out of what the last one could not do.

2016E-commerce

An online grocery store, built out of a faulty tab. Selling the food was the easy part — taking the money for it, and moving it, turned out to be the business.

2018OjirehPrime Card

A prepaid card. The first time the company issued rather than resold, and the first time it carried the obligations that come with holding somebody else’s money.

2020Microfinance bank

PrymeSolid Allianze acquired — an existing bank with an existing licence. The perimeter stopped being someone else’s to draw.

2023Multicurrency

More than one currency on one balance, and the rebrand to Pryme. A Nigerian business could hold dollars without holding a second institution.

2026Agentic operations

Accounts that do the work rather than only hold value. Five agents on the account, inside a policy you write — which is where the new mark starts.

Questions

The things people ask us first.

What is Pryme?

Pryme is a financial technology company. It gives people and businesses in Nigeria one account that holds Naira alongside dollars, pounds and euros, and a set of agents that do the running of it — keeping the books, chasing what is owed, answering customers and paying bills. Nothing leaves an account without the owner’s approval.

Can I hold dollars, pounds and euros in a Pryme account?

Yes. A Pryme account holds Naira, US dollars, pounds sterling and euros side by side on one ledger, each with its own account details — a Nigerian account number, a US account number, a UK sort code and an IBAN for the euro area. You can swap between them at a rate you set, and every currency has its own statement.

What is Spaces?

Spaces is available in Nigeria. It gives a shopper money to spend that can only be spent with a participating business. The business is paid into its Naira account whether or not the shopper repays, because Pryme carries the credit. For the business it is free to join, there is nothing monthly, and the customer’s identity is never shown — only a reference and what it is worth.

What do the agents on a Pryme Business Account do?

Five agents come with the account. The Chief of Staff runs the week and keeps what is stuck moving. Finance watches the money and keeps the books as you trade. Compliance keeps the filings on time and screens what moves. Sales chases what you are owed. Customer Support answers your customers and follows up. Each has a job description, a budget and a ceiling you set, and each one proposes rather than acts — nothing leaves the account without your signature.

How does Pryme Pay work?

Pryme Pay takes payments on your own site or on a checkout page you control. The buyer is given a one-time account number and transfers to it from any bank app or by USSD — no card, no OTP, nothing to type in. The money lands in the same account your agents are running, already matched to the order and already in your books.

What are Savings Boxes?

Savings Boxes are separate pots inside a Pryme account, held in Naira. Flexible Boxes can be withdrawn at any time, Fixed Boxes hold to a date, Investment Boxes hold for longer, and Interest-free Boxes earn nothing by design. A business can use them to ring-fence payroll and the tax it withholds, so that money cannot be spent by accident.

Who holds my money, and is it protected?

Pryme is a financial technology company, not a bank. Accounts and deposits are provided by Solid Allianze Microfinance Bank Limited, which is licensed by the Central Bank of Nigeria and is a member of the Nigeria Deposit Insurance Corporation.

Can I build on Pryme?

Yes. Pryme Rails lets a platform issue a dedicated Naira account number to each of its own customers, collect into it and reconcile against it, over one API — the same rails the Pryme Business Account runs on.

What is Pryme?

Pryme is a financial technology company. It gives you one account that holds US dollars, pounds sterling and euros beside Naira, with an assistant that runs the account for you and asks before anything moves. Accounts are provided in Nigeria today, and further markets open as each licence lands.

Can I open a Pryme account from outside Nigeria?

Accounts are provided in Nigeria today, subject to verification and approval. Foreign-currency balances are held and converted inside that account, so you can hold, receive and swap dollars, pounds and euros wherever you are.

Which currencies can I hold with Pryme?

Naira, US dollars, pounds sterling and euros, side by side on one ledger. Each has its own details — a Nigerian account number, a US account number, a UK sort code and an IBAN for the euro area — and each has its own statement.

How do I send money to Nigeria with Pryme?

Swap at a rate you set rather than the rate of the day, then send to any Pryme username or to a Nigerian bank account. There is no fee to send to another Pryme account.

What does the assistant do?

Eva is the assistant inside the Pryme app. She opens accounts, moves money, saves toward your goals, pays what is due and follows up what is owed to you — and asks you before anything moves.

What is Pryme Rails?

Pryme Rails lets a platform issue a dedicated Naira account number to each of its own customers, collect into it and reconcile against it, over one API — the same rails the Pryme Business Account runs on.

The Ledger

Notes on money that does the work: what we are building, what the regulation actually says, and how we think about letting software act on money. Read the Ledger

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Home · The Ledger · Abuja DisCo (AEDC)
Bills

AEDC overbilled you? How to dispute a postpaid bill

Step-by-step guide to disputing an inflated AEDC postpaid bill: the evidence to gather, where to lodge it and how to escalate to the NERC Forum.

PE
Pryme editorialBills desk · 19 Oct 2026 · 6 min read
The short answer

To dispute an AEDC postpaid bill, lodge a written complaint with AEDC first (call centre 08039070070, WhatsApp, email customercare@abujaelectricity.com or the CRM portal) and keep the complaint reference. If AEDC does not resolve it, NERC's escalation route is the NERC Forum Office and then an appeal to NERC. Pay the part of the bill you do not dispute and keep proof.

A postpaid bill from the Abuja Electricity Distribution Company (AEDC) can jump for reasons that have nothing to do with how much power you used: an estimated reading, a wrong tariff band, a meter that has stopped recording properly, or arrears carried over from a previous occupant. This guide covers how to tell which problem you have, what to collect before you complain, and the escalation route NERC sets out. AEDC serves the FCT and parts of Niger, Kogi and Nasarawa, so the steps apply across that area unless your state has its own regulator.

First, work out why the bill is high

Put your last three to six bills side by side. Most disputes fall into one of four groups, and the fix differs for each.

What you see on the billLikely causeWhat to ask AEDC for
Reading marked 'E' or 'estimated', or no reading at allEstimated billing on an unmetered or unread accountAdjustment to the monthly energy cap NERC publishes for your feeder
Rate per kWh much higher than last yearAccount placed in the wrong band, or Band A rate applied to a lower bandBand check and re-billing at the correct band rate
Huge consumption in one monthMeter fault, misread digits, or a catch-up bill after months of estimatesMeter test and a corrected bill based on actual reads
Arrears you do not recogniseDebt from a previous occupant or a past disputeStatement of account showing when the debt arose

On the band point, there is a precedent. In April 2024 NERC fined AEDC ₦200 million for applying the new Band A tariff to customers in all bands, and ordered refunds as token balances to Band B to E customers who were billed above their band rate (Techeconomy, 5 April 2024). If your bill uses the Band A rate but your feeder does not get Band A supply, raise it.

Estimated bills have a ceiling

If you have no meter, AEDC cannot bill you any figure it likes. Under NERC's Order on Capping of Estimated Bills, an unmetered customer's bill is capped by reference to the consumption of metered customers on the same feeder, and NERC publishes monthly energy caps. In April 2025 NERC fined eight DisCos, AEDC among them, ₦628.03 million in total for billing unmetered customers above the caps in July to September 2024, and ordered credit adjustments (TheCable, 10 April 2025). Ask AEDC to show the cap that applied to your feeder in the month you dispute. Our guide to estimated electricity bills and your rights covers the cap in more detail.

Gather your evidence before you complain

  • The disputed bill and the two or three bills before it, with account number and tariff class visible.
  • A dated photo of the meter display, if you have a meter. Take one on the day you complain and another a week later so you have your own consumption figure.
  • Proof of every payment in the period: bank transfer receipts, app receipts or AEDC payment confirmations.
  • Your feeder name, if you know it, and a note of the hours of supply you actually got (a simple daily log is enough).
  • For arrears you did not create: your tenancy start date and any handover note. NERC's Customer Protection Regulations 2023 say a debt is not transferable to a new occupant (Reg 29(3), as summarised by Mondaq).

Step 1: lodge the complaint with AEDC

AEDC's customer service page lists these channels as at October 2026:

Call centre
08039070070, 08152141414, 08152151515
WhatsApp
08152141414, 08152151515, 09161012128, 09162012128
Email
customercare@abujaelectricity.com
Online
Customer CRM at crm.abujaelectricity.com and live chat on abujaelectricity.com
In person
Your business district office, or head office at No 1 Ziguinchor Street, Off IBB Way, Wuse Zone 4

Put the complaint in writing even if you start with a phone call. State the account number, the bill month, the amount you dispute, the amount you accept, and what you want (a re-bill at the correct band, a cap adjustment, a meter test or removal of arrears). Ask for a complaint reference number and write it down with the date. AEDC also launched its MyPower mobile and web apps in October 2026, which the company says let customers lodge and track complaints and see bills and receipts (Blueprint, 8 October 2026).

Step 2: escalate to the NERC Forum Office

If AEDC does not resolve the complaint, or you disagree with its answer, NERC's Metering Factsheet (October 2026) sets out the route: complain to your DisCo, escalate to your nearest NERC Forum Office, then appeal to NERC. Take your complaint reference, AEDC's reply (or a note that none came) and your evidence. Under the 2023 regulations a Forum may hold virtual hearings. Our directory of NERC Forum Offices lists addresses, and complaining to AEDC and escalating in Abuja walks through a Forum hearing.

If you live in a state that has taken over regulation of its electricity market, the factsheet says the Forum and appeal steps go to that State Electricity Regulatory Commission instead. Check before you file.

A worked example

Example only. Amaka's flat in Gwarinpa is unmetered and sits on a Band B feeder. Her bills averaged ₦18,000 a month, then one month arrived at ₦41,000 with an estimated reading. She photographs nothing (no meter), but she gathers her last four bills and transfer receipts, and writes to AEDC disputing ₦23,000 and paying the ₦18,000 she accepts. She asks AEDC to apply the NERC energy cap for her feeder and confirm her band. AEDC gives a reference; after no reply in the time AEDC quoted, she takes the file to the Forum Office. The figures here are invented to show the process; your outcome depends on the cap and band AEDC confirms.

What to check first

  1. Is the reading actual or estimated?
  2. Is the tariff class on the bill the band your feeder is listed in? AEDC's tariff check is at infocheck.abujaelectricity.com.
  3. Do the arrears predate your occupancy?
  4. Have you got a complaint reference and a date?

Where Pryme fits

Disputes are won on records. If you pay AEDC bills or buy tokens through Pryme electricity payments, every payment sits in your history, and you can generate a verifiable statement or receipt with VerifyDoc.ai that anyone, including a Forum panel, can check is genuine and unaltered. A Personal Assistant can also remind you when each bill is due (/p/assistant).

Questions people ask

How do I complain about an AEDC bill?

Call 08039070070, message AEDC on WhatsApp or email customercare@abujaelectricity.com, and put the complaint in writing with your account number and the amount disputed. Ask for a complaint reference.

Can AEDC disconnect me while I dispute a bill?

Pay the part of the bill you accept and keep proof, so the only unpaid amount is the one under dispute. If you are disconnected while a complaint is open, raise it with AEDC and the NERC Forum Office with your complaint reference.

What is the maximum estimated bill AEDC can give me?

NERC caps estimated bills for unmetered customers by reference to metered consumption on the same feeder and publishes monthly caps. Ask AEDC for the cap for your feeder and month.

Where do I go if AEDC ignores my complaint?

Take your reference number and evidence to the nearest NERC Forum Office. If you disagree with the Forum's decision you can appeal to NERC.

Sources

  1. AEDC: Customer Service (contacts, payment hub, tools) · accessed Oct 2026
  2. NERC: Metering Factsheet (13 Oct 2026) · accessed Oct 2026
  3. Techeconomy: NERC fines AEDC ₦200m, orders customer refunds (5 Apr 2024) · accessed Oct 2026
  4. TheCable: NERC fines eight DisCos ₦628m for overbilling unmetered customers (10 Apr 2025) · accessed Oct 2026
  5. Mondaq: Highlights of NERC's Customer Protection Regulations 2023 (29 May 2024) · accessed Oct 2026
  6. Blueprint: AEDC launches 'MyPower' mobile and web apps (8 Oct 2026) · accessed Oct 2026

This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.

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