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 · POS and agent banking
Make money

POS terminal prices in Nigeria compared by provider

What Moniepoint, OPay, PalmPay, Nomba, Baxi and Kuda publish about POS terminal costs and caution fees, what is unpublished, and where to check today.

PE
Pryme editorialMake money desk · 19 Oct 2026 · 5 min read
The short answer

Most Nigerian POS providers do not publish a fixed terminal price on their own websites; the cost is quoted in their business app or by a sales officer, and it moves with the exchange rate. Nairametrics reported in September 2025 that entry-level terminals cost about ₦21,500 and Android terminals ₦62,000 to ₦85,000. This page lists what each provider publishes and where to check the live figure.

Why terminal prices are hard to pin down

POS terminals are imported devices, so their price follows the naira. Providers also use different models: some sell the device outright, some lease it against a refundable caution deposit, and some give a device free to agents who meet transaction targets. The price you are quoted may also include logistics, insurance or a SIM. That is why this page does not publish a single current price per provider. It shows what each provider's own pages say, what has been reported, and where the live figure sits.

Market price ranges reported

Nairametrics (30 September 2025) reported these broad ranges from distributors, without naming provider-specific prices:

Device typeEarlier price (2023, as reported)2025 price (as reported)
Entry-level POS₦15,000 to ₦20,000About ₦21,500
Android or smart POS₦30,000 to ₦40,000₦62,000 to ₦85,000

The same report said that Moniepoint, OPay, PalmPay and Nomba offer models ranging from refundable caution deposits to outright purchase, and that most merchants now either pay outright or deposit a higher caution fee than before. One distributor described the old ₦20,000 caution deposit for an Android device as no longer realistic.

Provider by provider: what is published

ProviderWhat its own pages sayStatus
MoniepointBlog post of 25 Jan 2023: ₦21,500 = ₦10,000 caution + ₦10,000 logistics + ₦1,500 one-year insurance; leased; request in dashboard (Channels > POS > Request New POS); delivery within 48 hours; ₦10,000 returned if device comes back in good conditionDated 2023; check the app for today's figure
OPaySeparate POS Business support line on opayweb.com; no terminal price found on pages readNot published on pages read
PalmPayNo terminal price or caution fee found on official pages readNot published on pages read
NombaMini, Pro and MAX sold outright, Lite leased; no naira prices shown; request in dashboard (Accept payments > Terminals); delivery within 2 days; Mini page says it is not a caution fee and shows a 0.4% transaction chargePrice shown at request
BaxiNo terminal price found on pages readAsk the provider
KudaKuda's help pages describe cardless withdrawals at other providers' POS, not a Kuda terminal priceNo terminal price found
UBA Moni (bank)"Our terminals are free of charge"Published
Firstmonie (FirstBank)POS device free of charge for agentsPublished

Bank agency programmes often supply terminals free to approved agents, with conditions such as a verifiable business location and a business account. Fintech providers more often charge a deposit or sell the device. Neither model is automatically cheaper: a free device may come with a fixed fee structure or performance targets, while a purchased device may carry a lower charge per transaction.

Costs beyond the device

The terminal is only the first cost. Budget also for data on the terminal SIM, thermal paper rolls for slips, a power bank, signage showing the principal's name and charges (required under the CBN's October 2025 agent banking guidelines), and the float you need to pay out cash. Float usually costs far more than the device: an agent expecting to pay out ₦300,000 in a day needs roughly that much cash in hand at opening, because the wallet credits from withdrawals cannot be handed over as notes. Ask whether the provider replaces a faulty device free, and whether the insurance covers theft.

Where the live price is shown

  • Moniepoint: in the business dashboard under POS request, or from a business relationship manager.
  • Nomba: in the Nomba business dashboard when you request a terminal.
  • OPay and PalmPay: their business or agent apps and their POS business support lines.
  • Baxi: its own agent onboarding channels.
  • Banks: the agency banking page or branch of the bank.

Worked example: deposit versus purchase

Example only, figures illustrative. Option A is a leased device with a ₦10,000 refundable caution deposit plus ₦11,500 logistics and insurance, so ₦21,500 up front, of which ₦10,000 may come back. Option B is an outright purchase at ₦62,000.

  • Option A net cost if returned in good condition: ₦21,500 − ₦10,000 = ₦11,500, but the provider owns the device and may reassign it if volumes are low (Moniepoint's 2023 post mentioned an ₦80,000 daily transaction encouragement).
  • Option B: ₦62,000 and you own the device, so the difference of ₦62,000 − ₦11,500 = ₦50,500 buys ownership and freedom from targets.
  • Compare the per-transaction charge too. On ₦300,000 of withdrawals a month, a 0.1 percentage point difference is ₦300 a month.

What to check before paying

  1. Is the payment a deposit, a purchase or a fee, and is it refundable?
  2. What is the charge per withdrawal and per transfer, and is there a cap?
  3. Is there a minimum transaction target, and what happens if you miss it?
  4. Who repairs or replaces a faulty device, and is insurance included?
  5. Pay only through the provider's official channel, never into a personal account of someone claiming to be a sales agent.

Where Pryme fits

Pryme does not sell POS terminals. A shop that takes payment by transfer can use Pryme's bank-transfer checkout free of charge. See also POS terminal or bank transfer, how super agents work and what agents charge per withdrawal.

Questions people ask

How much is a POS machine in Nigeria now?

No single price applies. Nairametrics reported about ₦21,500 for entry-level devices and ₦62,000 to ₦85,000 for Android terminals in September 2025. Check the provider's app for today's quote.

How much is Moniepoint POS caution fee?

Moniepoint's January 2023 blog listed ₦10,000 caution within a ₦21,500 total. That post is dated, so check the current figure in the Moniepoint business dashboard.

Is OPay POS free?

No OPay terminal price or free-device offer was found on OPay's pages read in October 2026. Ask OPay's POS business line and get the quote in writing.

Which bank gives free POS to agents?

UBA says its UBA Moni agent terminals are free of charge, and FirstBank says Firstmonie agents get the POS device free, subject to their onboarding conditions.

Sources

  1. Nairametrics: POS terminals cost jumps 30%-100% in Nigeria over two years, 30 Sep 2025 · accessed Oct 2026
  2. Moniepoint blog: How to get a Moniepoint POS, 25 Jan 2023 · accessed Oct 2026
  3. Nomba: POS terminals and Nomba Mini product pages · accessed Oct 2026
  4. UBA: UBA Moni agency banking page (customer fees, agent commission, limits) · accessed Oct 2026
  5. FirstBank: Firstmonie Agent Banking page · 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 POS and agent banking

Make money

Why poultry farms fail: disease, feed prices and cash flow

The main reasons Nigerian poultry farms close, from Newcastle disease to feed bills and late buyers, with the controls that reduce each risk.

PEPryme editorial · Make money desk19 Oct 2026 · 8 min
Make money

Poultry farming start-up cost: broilers vs layers

What it costs to start 500 broilers or 500 layers in Nigeria: chicks, feed, housing and vaccines, with labelled examples and sourced prices.

PEPryme editorial · Make money desk19 Oct 2026 · 8 min
Make money

Fish feed production: extruder cost and ingredients

What floating fish feed needs in Nigeria: extruder choices, ingredient costs as reported, a labelled 100kg batch, and cost per kg of fish.

PEPryme editorial · Make money desk19 Oct 2026 · 4 min