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 · Hold and swap currencies
South Africa

Using a Nigerian debit card in South Africa: limits and fees

What Nigerian banks allowed on naira cards abroad as at September 2026, how a rand purchase is converted, and the charges to look for.

PE
Pryme editorialDiaspora desk, Johannesburg · 24 Oct 2026 · 4 min read
The short answer

It depends entirely on the bank. As at September 2026, Nairametrics reported naira card limits for use abroad of $40,000 a quarter at GTBank, $10,000 a quarter plus $1,000 a day at ATMs at FirstBank, and $50,000 a year at Zenith, while Fidelity says individual naira cards cannot be used internationally at all. A rand purchase is converted to dollars by the card scheme and then to naira at your bank's rate, so check your bank's rate and charges before you rely on the card in South Africa.

Limits by bank, as reported in 2026

Nigerian banks cut naira card spending abroad sharply during the dollar shortage and have been raising limits again through 2026. The figures below are what each source said on its date; they change often, so confirm in your bank's app or with customer care before you travel.

BankNaira card limit for use abroadSource and date
GTBank$40,000 per quarterCustomer email reported by Business Post, 12 Aug 2026; Nairametrics, 7 Sep 2026
FirstBank$10,000 per quarter (POS and web), ATM $1,000 per dayNairametrics, 7 Sep 2026
ZenithUp to $50,000 per yearNairametrics, 7 Sep 2026
AccessVisa Signature and Platinum up to $3,000 per month; Visa Classic and Mastercard $2,000 per monthLegit.ng, 9 Aug 2026
Stanbic IBTC$8,000 per quarter on Mastercard (Nairametrics, Sep 2026); its own cards FAQ says naira debit cards have $100 per month across POS, web and ATMThe two conflict; ask the bank
Fidelity"Individual Naira Cards are not permitted for international transactions across all channels"Fidelity Bank FAQs
UBANo naira card monthly cap found; Legit.ng says UBA applies a daily-revised rate to international naira card transactionsLegit.ng, 9 Aug 2026

Some limits are shared across channels (point of sale, online and ATM); others split them. Stanbic's FAQ, for example, says the $100 is shared across all three. If your bank does not publish a split, assume an ATM withdrawal and a shop payment come out of the same allowance.

How a purchase in rand becomes naira

  1. You pay R1,000 at a till in Johannesburg.
  2. The card network converts rand to dollars at its own rate.
  3. Your Nigerian bank debits your naira account at its dollar rate for card transactions, which may differ from the rate you see quoted for transfers.
  4. Any foreign transaction charge the bank applies is added, and an ATM owner in South Africa may charge for a withdrawal.

Example only: R1,000 converts to $55 at the network rate; your bank charges ₦1,600 per dollar on card transactions, so ₦88,000 leaves your account before any fee. If the bank's card rate were ₦1,550, the same purchase would cost ₦85,250. The difference between those two figures, ₦2,750 on one purchase, is why the bank's rate matters as much as the limit.

Charges to look out for

  • The bank's card exchange rate. Check it in the app or on your statement after the first purchase.
  • Foreign transaction or international usage fees, where the bank applies them. They are not always on the bank's tariff page.
  • ATM owner fees in South Africa. Fidelity's FAQ, for its dollar card, mentions ATM owner charges on top of its own 2% (dollar transactions) or 3% (conversion to other currencies).
  • Paying in naira at the till or ATM. If the terminal offers to charge you in naira rather than rand, that is dynamic currency conversion and the terminal's rate applies. Choosing rand lets your bank and the card network do the conversion.

Before you travel or move

  • Ask your bank for the current limit and whether your card type is enabled for international use; some banks require you to activate it.
  • Keep the card's phone number and email alerts working; banks often send a one-time code for international online payments.
  • Do not rely on a naira card as your only money in South Africa. Limits can be cut with little notice, as they were during the dollar shortage.
  • If you are moving rather than visiting, open a South African account. See opening an SA account with a Nigerian passport.

Alternatives to a naira card

  • A dollar card from your Nigerian bank, funded from a domiciliary account. It avoids naira conversion but has its own limits and fees. See how Nigerian dollar cards work.
  • Sending money to your SA account and paying in rand. For larger sums this is often clearer than many card payments. See receiving naira from Nigeria into an SA account.
  • A virtual card for online payments, where your app offers one.

If a card payment fails or is charged twice

  1. Check the Nigerian app first: a declined payment abroad is often the international limit or a channel that is switched off, not a problem with the shop.
  2. If the amount was debited but the shop says it failed, keep the till slip and the time. Reversals of failed card payments come back through the card network and can take days.
  3. If you were charged twice, raise a dispute with your Nigerian bank, not the South African shop, and quote the date, amount in rand and merchant name from your statement.
  4. If your card is lost or stolen in South Africa, block it in the app straight away and ask the bank how a replacement can reach you abroad; see replacing a Nigerian card abroad.

Where Pryme fits

A Pryme account holds naira, dollars, pounds and euros with account details for each, so you can keep spending money in dollars rather than converting naira at a card rate you only see afterwards. Converting between balances uses Swap, where the rate and fee are shown before you approve. Pryme protects sign-in with an authenticator app and a transaction PIN rather than SMS codes; see security.

Questions people ask

Can I use my Nigerian naira card in South Africa?

Only if your bank allows international use on that card. GTBank, FirstBank, Zenith and Access published limits in 2026; Fidelity says individual naira cards cannot be used internationally.

What is the GTBank naira card limit abroad?

$40,000 per quarter, according to a GTBank customer email reported in August 2026. Check the app for the current figure.

Why was my naira card charged more than the rand price?

Your bank converts the dollar amount at its own card rate and may add a fee. An ATM owner in SA may also charge.

Should I pay in naira or rand at a South African till?

Choose rand. Paying in naira lets the terminal set the exchange rate.

Sources

  1. Nairametrics: GTCO, FirstBank, others raise dollar spending limits as FX scarcity eases (7 Sep 2026) · accessed Oct 2026
  2. Business Post: Offshore spending limit on GTBank naira card now $40,000 (12 Aug 2026) · accessed Oct 2026
  3. Legit.ng: Nigerian banks increase international card spending limits (9 Aug 2026) · accessed Oct 2026
  4. Stanbic IBTC: Frequently asked questions, cards · accessed Oct 2026
  5. Fidelity Bank: FAQs · 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 Hold and swap currencies

South Africa

Running a Nigerian domiciliary account from South Africa

How to fund, use and keep a Nigerian domiciliary account active from South Africa under the CBN FX Manual 2026, including BVN and KYC updates.

PEPryme editorial · Diaspora desk, Johannesburg24 Oct 2026 · 4 min
South Africa

Getting a Nigerian pension paid into a South African account

What PenCom and PFAs say about retirees living abroad, the annual "I am alive" check from December 2026, and receiving the money in South Africa.

PEPryme editorial · Diaspora desk, Johannesburg24 Oct 2026 · 4 min
South Africa

Can a foreign national open a foreign currency account in SA?

SARB rules let foreign nationals temporarily resident in South Africa hold foreign currency accounts. The declaration, documents and limits involved.

PEPryme editorial · Diaspora desk, Johannesburg24 Oct 2026 · 4 min