Pryme
Sign up
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

Scroll for more
Home · The Ledger · Tuition and fees
Japa & diaspora

BTA for business travel: requirements and limits

Business Travel Allowance in Nigeria: who can ask for it, the documents used, the USD 5,000 BDC cap and what the 2026 FX Manual changed.

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

Business Travel Allowance (BTA) is the official foreign currency a Nigerian resident can buy for a business trip abroad. Under the CBN's 2024 Bureau De Change guidelines, a BDC may sell up to USD 5,000 of BTA per person once every three months, against an e-Form A on the CBN's TRMS portal, a passport, a visa and a return ticket. Since 1 June 2026, up to 25% of BTA may be paid in cash and at least 75% must go electronically, usually to a card.

What BTA is, and how it differs from PTA

Nigeria allows residents to buy foreign currency at the official market for certain approved purposes, known as invisible transactions. Two of them cover travel. Personal Travel Allowance (PTA) is for holidays, family visits and other private trips. Business Travel Allowance (BTA) is for trips taken for work: meeting a supplier, attending a trade fair, visiting a client or a parent company. The money is meant for spending on the trip itself, such as hotels, local transport and meals, not for paying invoices or moving capital abroad. Those have their own documented routes through a bank.

Both allowances are governed by the Central Bank of Nigeria. The rules now sit in the CBN Foreign Exchange Manual, 4th edition, which was launched on 16 May 2026 and took effect on 1 June 2026, according to a review by WTS Blackwoodstone. BDC sales are also governed by the CBN's Revised Regulatory and Supervisory Guidelines for BDC Operations, approved on 22 May 2024. For the side-by-side view of both allowances, see PTA and BTA in Nigeria: who qualifies and how much.

The limit: what the official sources say

The figure most often quoted for BTA comes from the BDC guidelines. Section 10(f) allows a licensed BDC to sell PTA of USD 4,000 and BTA of USD 5,000 per individual, once every three months. The same section says up to 25% of PTA or BTA may be paid in cash, with at least 75% loaded to a prepaid card, and that only transactions of USD 500 and below may be settled in cash, with larger ones settled by transfer. Ask the BDC how it applies that rule to paying for, and collecting, your allowance.

At banks, the 2026 FX Manual keeps the PTA ceiling at USD 4,000 per quarter, as reported by both TheCable (3 June 2026) and WTS Blackwoodstone (10 July 2026). We could not find a published secondary summary that states the BTA ceiling at banks under the new manual, and the CBN's own manual was not available to us. Ask your bank to confirm the current BTA amount and frequency before you plan around a number.

ItemWhat the source saysSource
BTA via a BDCUp to USD 5,000 per individual, once every three monthsCBN BDC Guidelines, May 2024
PTA at a bankMaximum USD 4,000 per quarter, retained in 2026FX Manual 2026, per TheCable and WTS
Cash portionUp to 25% cash, at least 75% by card or digital channelFX Manual 2026, per Mondaq/Pavestones
BTA ceiling at banksNot stated in the summaries we read; confirm with your bank—

Who can apply

BTA is for a person travelling on business, buying in their own name. The BDC guidelines say resident customers are verified by BVN or TIN and non-residents by passport, and that travellers complete an e-Form A on the TRMS portal and present a passport, a visa and a return ticket. In practice that means:

  • You must have a valid international passport and, where your destination needs one, a visa already issued.
  • You must have a confirmed return ticket for the trip; the allowance is tied to an actual journey.
  • You must be identifiable by BVN (or TIN), and the Form A is filed in your name, not your company's.
  • The quarterly limit is per individual, so a company sending three staff makes three separate applications.

The company documents, and what to confirm with your bank

Neither the BDC guidelines nor the 2026 manual summaries we read set out a fixed list of company papers for BTA. What they do make clear is that banks are now heavily penalised for weak paperwork: WTS reports a base fine of ₦100 million plus ₦10 million per affected transaction for authorised dealers that process FX without adequate documentation. Expect your bank to want proof that the trip is a business trip. FirstBank, for example, publishes its Form A under a "PTA & BTA Form" heading on its downloads page, so the starting point is the same Form A as PTA.

Ask your bank these questions before you go to the branch, and get the answers in writing or by email:

  1. What is your current BTA limit and how often can I buy it?
  2. Which company documents do you need: a letter on letterhead, CAC documents, an invitation from the overseas business, or something else?
  3. Must the naira come from my personal account, or can it come from the company's account?
  4. How will the 75% electronic portion be paid: to a dollar card, a domiciliary account, or another channel?
  5. What is the Form A charge? The CBN Guide to Charges (effective 2020) sets ₦3,000 per form for banks; UBA's September 2026 tariff lists a ₦5,000 CBN Form A fee.

Worked example

Example (illustrative): Ada runs procurement for a Lagos distributor and is going to a trade fair abroad. She applies through a BDC that confirms it sells the full USD 5,000. At least 75% (USD 3,750) must be paid electronically, so it goes to a prepaid dollar card. The most she can take in notes is 25% (USD 1,250). USD 3,750 + USD 1,250 = USD 5,000. She pays the naira by transfer from her own account, because the BDC rules route larger transactions through transfers, not cash. She cannot buy BTA again from any BDC for three months.

What to check first

  • Your visa is granted and your return ticket is booked before you apply.
  • You have not used BTA in the past three months anywhere; TRMS records the Form A.
  • You know whether your bank or the BDC will pay the card portion, and to which card.
  • Card spending abroad on a naira card is a separate limit set by each bank; it does not replace BTA.

Where Pryme fits

BTA is bought from a bank or licensed BDC, not from Pryme. If you travel for business often, a Pryme Business Account holds NGN, USD, GBP and EUR in one place, with local account details for each, so dollars you earn stay in dollars until you choose to convert with Swap, where the rate is shown first and the fee sits on its own line. See business multicurrency for how the balances work.

Questions people ask

How much BTA can I get in Nigeria in 2026?

Under the CBN's 2024 BDC guidelines, a BDC may sell up to USD 5,000 of BTA per person once every three months. Confirm the bank figure under the 2026 FX Manual with your own bank.

Can my company apply for BTA for me?

The allowance is per individual traveller and the Form A is in the traveller's name. Your bank may ask for a company letter or other proof the trip is business.

Can I collect BTA in cash?

Since 1 June 2026, up to 25% of PTA or BTA may be paid in cash, and at least 75% must be paid electronically. The BDC guidelines separately limit cash settlement to transactions of USD 500 and below, so ask the BDC how it handles your purchase.

Can I get PTA and BTA in the same quarter?

The rules list them as separate allowances with separate purposes. Whether your bank will process both for the same person in one quarter is a bank decision; ask before you apply.

Sources

  1. CBN Revised Regulatory and Supervisory Guidelines for Bureau De Change Operations (approved 22 May 2024) · accessed Oct 2026
  2. The CBN's 2026 Foreign Exchange Manual: key reforms and practical implications (WTS Blackwoodstone via Mondaq, 10 Jul 2026) · accessed Oct 2026
  3. 7 things to know about CBN's new FX manual (TheCable, 3 Jun 2026) · accessed Oct 2026
  4. Key regulatory update in Nigeria: the CBN Foreign Exchange Manual 2026 (Pavestones Legal via Mondaq, 24 Jun 2026) · accessed Oct 2026
  5. CBN Guide to Charges by Banks, Other Financial and Non-Bank Financial Institutions (effective 1 Jan 2020) · accessed Oct 2026
  6. FirstBank: Download forms (PTA & BTA Form A) · 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.

More on Tuition and fees

Japa & diaspora

Buying FGN bonds and T-bills from abroad

How Nigerians abroad buy FGN bonds and Treasury bills: bank or broker route, CSCS, minimums, tax, and when you need a Certificate of Capital Importation.

PEPryme editorial · Japa & diaspora desk19 Oct 2026 · 4 min
Japa & diaspora

Buying Nigerian mutual funds from abroad

How Nigerians abroad invest in SEC-registered mutual funds: checking the manager, onboarding as a non-resident, funding in naira, fees and redemptions.

PEPryme editorial · Japa & diaspora desk19 Oct 2026 · 4 min
Japa & diaspora

Buying Nigerian stocks from abroad: CSCS account steps

How Nigerians abroad open a stockbroking and CSCS account, get a CHN, fund trades, what each trade costs, and how dividends reach them.

PEPryme editorial · Japa & diaspora desk19 Oct 2026 · 4 min