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 · Consumer rights
Data & reference

How to complain about your PFA or employer to PenCom

PenCom's complaint channels, the 3 to 5 working day service standard, documents for unremitted contributions, zonal offices and the PFAs on PenCom's form.

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

Raise the issue with your Pension Fund Administrator (PFA) first, then complain to the National Pension Commission (PenCom) at complaints@pencom.gov.ng or through the complaint form on its website, quoting your RSA PIN, PFA and employer. PenCom's May 2026 service charter commits to acknowledging complaints on day one and resolving or giving feedback on days two and three, within 3 to 5 working days. For unremitted contributions, attach your RSA statement and payslips showing deductions.

Last updated: October 2026

Complaints about pensions in Nigeria fall into two groups: problems with your PFA (service, statements, benefit payments, transfers) and problems with your employer (deducting but not remitting contributions). PenCom handles both. This page sets out its channels, its published service standard and the documents it asks for.

Complaints email
complaints@pencom.gov.ng
Pension Clearance Certificate complaints
pcccomplaints@pencom.gov.ng
Letters to the Director General
contactpencom@pencom.gov.ng
Phone
0209 460 3955
Head office
174 Adetokunbo Ademola Crescent, Wuse 2, Abuja
Service standard
3 to 5 working days: acknowledgement day 1, resolution and feedback days 2 and 3
Charter date
Revised Service Charter, May 2026

Step by step

  1. Contact your PFA in writing with your RSA PIN and the problem, and keep its reply.
  2. Gather documents. For missing contributions: your RSA statement, payslips showing pension deductions, your letter of first appointment and your PFA registration letter.
  3. Complain to PenCom by email to complaints@pencom.gov.ng or through the Complaint/Feedback form on PenCom's contact page. The form asks for your name, RSA PIN, PFA, employer, email, phone number and your complaint.
  4. Expect an acknowledgement on day one. PenCom's charter sets 3 to 5 working days for attending to complaints by email, phone, SMS, letter or walk-in.
  5. Follow up quoting the date and any reference you receive.

PenCom's service standard for complaints

DepartmentChannelTimeline
Consumer Protection DepartmentEmail, telephone, SMS, letters, walk-in3 to 5 working days: day 1 acknowledgement; days 2 and 3 resolution and feedback
Corporate Communications DepartmentX (Twitter), Instagram, YouTube, Facebook3 to 5 working days: day 1 acknowledgement; days 2 and 3 resolution and feedback, after referral to the relevant department

The charter also lists a 5-working-day timeline for complaints and whistle-blowing from contributors about poor service or unethical conduct by operators. Complex cases, such as unremitted contributions, may be referred to other departments with their own timelines; see our summary of PenCom service charter timelines.

Which problem, which route

Some pension problems are processed by PenCom departments with their own published timelines. These come from the same May 2026 charter.

ProblemWhat to sendPenCom timeline
Two or more RSA PINsLetter of complaint from you, your employer or PFA; evidence of each registration3 working days
Wrong name or date on PenCom's databaseRequest letter, newspaper publication, sworn affidavit, NIMC slip (for a name change)2 working days
Contributions paid in error or in excessRequest with schedules and RSA statements10 to 15 working days
25% withdrawal after job loss delayedAcceptance of resignation or disengagement letter; formal request2 working days for PenCom's approval
Problem with a Pension Clearance Certificate applicationEmail pcccomplaints@pencom.gov.ngCertificate itself: 72 hours to 3 working days
Unhappy with your PFA and want to moveTransfer through the receiving PFA under the RSA Transfer SystemProcessed quarterly

A short complaint you can adapt

"Subject: Complaint, RSA PIN [PIN], [PFA name]. I am an RSA holder with [PFA] and employed by [employer]. [Describe the problem in two or three sentences, with dates and amounts.] I raised this with [PFA/employer] on [date] and [describe the response]. I attach [list documents]. I ask the Commission to [investigate / direct remittance / direct payment]. My phone number is [number]."

Documents PenCom lists for unremitted contributions

  1. A formal complaint letter.
  2. PFA registration letter.
  3. Retirement Savings Account (RSA) statement.
  4. Letter of first appointment.
  5. Disengagement or resignation letter, where relevant.
  6. Payslips or other evidence of deduction of contributions.

PenCom zonal offices

ZoneAddressTelephone
Head office174 Adetokunbo Ademola Crescent, Wuse 2, Abuja0209 460 3955
North-CentralPlot 1, Aderemi Adeleye Street, off Fate Road, GRA Ilorin, Kwara0807 885 9104, 0807 885 9105
North-EastPlot 10, Gombe-Biu Road, Gombe0805 599 9339
North-WestNo. 22 Kazaure Road, Bompai, Kano0805 599 9335
South-West88A Oduduwa Crescent, Ikeja GRA, Lagos0807 885 9160
South-EastRoad 1/47, Udoka Housing Estate, Awka, Anambra0805 599 9337
South-SouthPlot 9, PCN Layout, Diamond Hill, Calabar, Cross River0805 599 9332

PFAs listed on PenCom's complaint form

The form asks you to choose your PFA from this list (October 2026). It is the list on the form, not PenCom's licensing register.

PFAs on the PenCom complaint form
Access ARM Pensions Limited
CardinalStone Pensions Limited
Citizens Pensions Limited
Crusader Sterling Pensions Limited
FCMB Pensions Limited
Fidelity Pension Managers Limited
Guaranty Trust Pension Managers Limited
Leadway Pensure PFA Limited
Nigerian University Pension Management Company (NUPEMCO)
NLPC Pension Fund Administrators Limited
Norrenberger Pensions Limited
NPF Pension Managers Limited
OAK Pensions Limited
Pensions Alliance Limited
Premium Pension Limited
Stanbic IBTC Pension Managers Limited
Tangerine APT Pensions Limited
Trustfund Pensions Limited
Veritas Glanvills Pensions Limited

Worked example

Example only. Emeka's payslips show ₦12,000 deducted for pension every month for a year, but his RSA statement shows only four months credited. He asks his PFA to confirm, then emails complaints@pencom.gov.ng with his RSA PIN, PFA, employer's name, the statement, twelve payslips and his appointment letter, asking PenCom to investigate the employer for the eight missing months. For how contributions are calculated, see pension contributions in Nigeria.

How we compiled this

Channels, zonal offices and the PFA list are from PenCom's contact page, accessed October 2026. Service standards and document lists are from PenCom's Revised Service Charter dated May 2026. For background on the scheme, see how Nigeria's RSA pension system works.

Where Pryme fits

Pryme Business Account holders can run payroll in the app (payroll), with the Finance agent preparing payments for a person to approve and every action recorded, which helps an employer keep a clear record of what was paid and when.

Questions people ask

How do I report my PFA to PenCom?

Email complaints@pencom.gov.ng or use the Complaint/Feedback form on PenCom's contact page, giving your name, RSA PIN, PFA, employer and the complaint.

My employer deducts pension but does not remit. What do I do?

Complain to PenCom with a formal letter, your PFA registration letter, RSA statement, letter of first appointment and payslips showing the deductions.

How long does PenCom take to respond?

Its May 2026 service charter sets 3 to 5 working days: acknowledgement on day one and resolution and feedback on days two and three.

What is the PenCom phone number?

0209 460 3955 for the head office in Wuse 2, Abuja. Zonal office numbers are on PenCom's contact page.

Sources

  1. PenCom: Contact us and complaint/feedback form · accessed Oct 2026
  2. PenCom: Revised Service Charter / Service Level Agreement (May 2026) · accessed Oct 2026
  3. PenCom: Home page (complaints link) · accessed Oct 2026
  4. PenCom: Promise to stakeholders · 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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