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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 · Trade and diaspora data
Data & reference

Nigeria's foreign trade by quarter: NBS exports and imports

Quarterly NBS figures for Nigeria's merchandise exports, imports, total trade and trade balance in naira, with the revisions and one-off items explained.

PR
Pryme researchData desk · 17 Oct 2026 · 4 min read
The short answer

In Q2 2024, Nigeria's merchandise exports were ₦19.42 trillion and imports ₦12.47 trillion, giving total trade of ₦31.89 trillion and a surplus of ₦6.95 trillion, according to the NBS. For full-year 2023, exports were ₦35.96 trillion and imports ₦35.92 trillion as first published. Naira values rose sharply from 2023 largely because the naira weakened, so compare quarters with care.

Exports, Q2 2024
₦19,418.93 billion
Imports, Q2 2024
₦12,473.53 billion
Total trade, Q2 2024
₦31,892.46 billion
Trade balance, Q2 2024
+₦6,945.40 billion
Full-year 2023 total trade (first published)
₦71,880.01 billion

Exports, imports and balance by quarter (₦ billion)

QuarterExportsImportsTotal tradeBalance
Q4 20226,359.615,362.8311,722.44+996.78
Q1 20236,487.046,466.1012,953.14+20.94
Q2 20236,435.136,301.9512,737.08+133.18
Q3 202310,346.609,041.2419,387.84+1,305.36
Q4 2023 (first published)12,693.6214,108.3326,801.95−1,414.71
Q4 2023 (revised, per Q1 2024 report)12,693.629,053.7821,747.40+3,639.84
Q1 2024 (first published)19,167.3612,643.2331,810.59+6,524.13
Q1 2024 (revised, per Q2 2024 report)19,167.3613,970.0533,137.41+5,197.31
Q2 202419,418.9312,473.5331,892.46+6,945.40

Annual totals

YearExports (₦ billion)Imports (₦ billion)Total trade (₦ billion)Balance (₦ billion)
202226,796.7525,590.5552,387.30+1,206.20
2023 (first published)35,962.3935,917.6271,880.01+44.77

If the revised Q4 2023 import figure is used instead, 2023 imports fall to about ₦30.86 trillion and the 2023 surplus rises to about ₦5.10 trillion. NBS did not publish a restated annual total in the reports we used, so both views are shown.

Why the Q4 2023 numbers were revised

The Q4 2023 report recorded a ₦14.11 trillion import bill, driven by a single item: ₦5,061.25 billion of 'tanks and other armoured fighting vehicles, motorised', which also made Singapore the top import origin that quarter (36.09% of imports). The Q1 2024 report then cited Q4 2023 imports as ₦9,053.78 billion, about ₦5.05 trillion lower, without detailing the change. The Q2 2024 report similarly restated Q1 2024 imports from ₦12,643.23 billion to ₦13,970.05 billion.

When quoting a quarter, say which edition you used, for example 'Q1 2024 imports of ₦12.64 trillion (NBS, first published June 2024)'.

What drives the naira values

  • The exchange rate. Most trade is priced in US dollars. When the naira weakened in 2023 and 2024, the same dollar value of crude oil or machinery turned into many more naira. Exports roughly tripled in naira between Q2 2023 and Q2 2024 (+201.76%), which mostly reflects the currency, not volumes. For dollar values, see Nigeria's merchandise trade in US dollars.
  • Crude oil. Crude made up 74.98% of exports in Q2 2024 and 80.80% in Q1 2024, so oil prices and output dominate the export line. See oil vs non-oil exports.
  • Fuel imports. 'Mineral fuels' were 35.40% of imports in Q2 2024 (₦4,415.19 billion), the largest import group, followed by machinery and transport equipment (23.08%) and chemicals (15.12%).
  • One-off items, such as the Q4 2023 military vehicles, can swing a quarter by trillions of naira.

Quarter-on-quarter and year-on-year changes, Q2 2024

MeasureQ2 2024 vs Q1 2024Q2 2024 vs Q2 2023
Exports+1.31%+201.76%
Imports−10.71%+97.93%
Total trade−3.76%+150.39%
Trade balance+33.63%n/a

Exports and imports by product sector, Q2 2024 (₦ billion)

SectorImportsImports vs Q2 2023ExportsExports vs Q2 2023
Agricultural goods893.25+96.38%973.69+246.67%
Raw materials1,481.50+160.92%366.91+151.96%
Solid minerals96.80+206.08%58.56+71.79%
Manufactured goods5,576.67+84.67%480.82+126.65%
Crude oiln/an/a14,559.56+190.86%
Other oil products4,425.31+98.64%2,915.12+293.54%

Manufactured goods are the largest import sector, at ₦5.58 trillion in Q2 2024, ahead of other oil products such as petrol and diesel at ₦4.43 trillion. The most traded import commodities that quarter were motor spirit, gas oil, durum wheat, butanes and cane sugar for refining.

Re-exports

NBS also reports re-exports, goods imported and sent on without substantial change. They were ₦199.59 billion (3.14% of exports) in Q4 2022, mainly drilling platforms, and ₦50.91 billion (0.40%) in Q4 2023, mainly vessels for breaking up. Re-exports are included in total exports, so they should not be added again.

Trade by region, Q2 2024

Imports came mainly from Asia (₦5,580.60 billion, 44.74%) and Europe (₦4,934.03 billion, 39.56%), followed by America (₦1,337.28 billion, 10.72%), Africa (4.45%) and Oceania (₦66.14 billion, 0.53%). Exports went mainly to Europe (₦8,077.79 billion, 41.60%), Asia (₦4,966.81 billion, 25.58%), America (₦3,880.22 billion, 19.98%) and Africa (12.13%). Country detail is on our page on Nigeria's top trading partners.

NBS reports state that import values are recorded CIF, meaning cost, insurance and freight are included in the value of the goods. For what that means for a single shipment, see FOB vs CIF for importers.

How we put this together

We downloaded NBS Foreign Trade in Goods Statistics PDFs for Q4 2022, Q4 2023, Q1 2024 and Q2 2024 from the NBS e-Library and took totals from each report's highlights and overview. Q1 to Q3 2023 figures come from the comparison lines in later reports. NBS compiles the data mainly from the Nigeria Customs Service (NICIS), NNPC Ltd, NMDPRA, NLNG and the CBN. NBS's own release calendar lists later editions (Foreign Trade in Goods Statistics for Q2 2026 was scheduled for 7 September 2026), but those reports were not available in the NBS e-Library when we checked in October 2026, so this page stops at Q2 2024. We will extend it when the newer files can be retrieved. Exporters and importers who need the paperwork side can see the import documents banks ask for.

Questions people ask

What is Nigeria's total trade value?

NBS put total merchandise trade at ₦31.89 trillion in Q2 2024, with exports of ₦19.42 trillion and imports of ₦12.47 trillion.

Does Nigeria have a trade surplus?

In the NBS data from Q1 2023 to Q2 2024 Nigeria ran a surplus in every quarter except Q4 2023 as first published, when a large military vehicle import produced a ₦1.41 trillion deficit.

Why did Nigeria's trade figures jump in 2024?

Mainly the exchange rate. Trade is largely priced in dollars, so a weaker naira raises naira values even if volumes do not change.

Where can I find the latest NBS foreign trade report?

NBS publishes Foreign Trade in Goods Statistics quarterly on its website and e-Library. Check the edition date, as earlier quarters are sometimes revised.

Sources

  1. NBS, Foreign Trade in Goods Statistics (Q2 2024) · accessed Oct 2026
  2. NBS, Foreign Trade in Goods Statistics (Q1 2024) · accessed Oct 2026
  3. NBS, Foreign Trade in Goods Statistics (Q4 2023) · accessed Oct 2026
  4. NBS, Foreign Trade in Goods Statistics (Q4 2022) · accessed Oct 2026
  5. National Bureau of Statistics, e-Library (Foreign Trade in Goods Statistics) · 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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