Pryme
Sign up
Pryme Personal

Money with a heartbeat.

Meet Eva, the assistant inside the Pryme app. She opens accounts, moves money, saves toward your goals and follows up. Nothing leaves your account without your approval.

Meet Eva, the assistant inside the Pryme app. She holds dollars, pounds, euros and Naira side by side, swaps at a locked rate, pays bills in any of them and sends anywhere, asking before anything moves.

HomeEvery currency, every Box and every card on one screen.
Chat with EvaTell her the goal. She handles the steps and asks before anything moves.
Savings BoxesFlexible, Fixed, Investment and Interest-free, side by side.
Create a BoxPick the type, name the goal. Eva works out what to move, and when.
LoansSpaces credit and Salary Advance. Draw only what you need.
Invite friendsThree friends, ₦50,000 each, and ₦20,000 lands with you.
YouEva’s voice, your plan, your address and every security control.
Duress signalA word that looks normal on screen while your people are alerted.
Chat with EvaTell her the goal. She handles the steps and asks before anything moves.
Swap at the live rateOr name the rate you want and she swaps the moment it lands.
One card, every currencySpend from whichever balance suits, and freeze it from the app.
What Eva may do without askingStanding permissions, a voice, and a record of every rule you have given her.
Receipts anyone can verifyRegular or certified statements, e-signed and checkable by whoever receives them.
Open a personal account How we keep your money safe
Pryme app: Home
Pryme app: Chat with Eva
Pryme app: Savings Boxes
Pryme app: Create a Box
Pryme app: Loans
Pryme app: Invite friends
Pryme app: You
Pryme app: Duress signal
Pryme app: Chat with Eva
Pryme app: Swap at the live rate
Pryme app: Multicurrency card
Pryme app: What Eva may do without asking
Pryme app: Receipts and statements
MoneyAgentsApprovalAgentsEvery currencyYour approval

Open an account. Get money to spend.

Global money. Intelligent growth.

We give you a limit to spend at the shops and services you already use — and an account that works on your month while you get on with it. Dollars, pounds and euros sit beside your Naira, and an assistant handles the running of it, asking you first every single time.

One global account for your money and business. Move across currencies, automate everyday operations and put AI agents to work — with you in control of every important decision.

Open Personal or Business Account Already with us? Log in
Open a Business account Download the app for Personal Open an account from anywhere
Pryme app home: every currency on one balance
Personal · the app in your hand
Salary landed₦920,000 from John Doe Ltd · Naira account
Done
Move ₦100,000 to your Rent Box?Keeps ₦127.9m liquid · earns 18% p.a.
Approve
Paid Ikeja Electric₦18,400 · token sent by SMS
Done
Swap $200 → ₦310,000?Rate locked at ₦1,550 for 30 s
Approve
Held a ₦150,000 transferNew payee · unusual hour · needs you
Review
Received $2,400From a client · USD account
Done
Swap $200 → £—?Rate locked for 30 s
Approve
Paid the light bill at home₦18,400 · Ikeja Electric
Done
Keep $1,000 liquid, save the rest?$1,400 → Flexible Box
Approve
Held a £2,000 transferNew payee · needs you
Review
Eva is live
500,000+customers, personal and businessScan to get the app
Get the appScan with your phone camera
Regulated partnersEvery currency held with a licensed institution in its market
Solid AllianzeCBNNDIC
Scan to get the app
Get the appScan with your phone camera
Instant settlementOur own core ledger: swaps land at once, every receipt verifiableScan to get the app
Get the appScan with your phone camera
Agents with a mandatePowered by Pryme Intelligence. Nothing moves without youFlip
Pryme Intelligence
Eva, the assistant that runs a Pryme accountEvayour assistant
The Chief of Staff agent on a Pryme Business AccountDanielChief of Staff
The Finance agent on a Pryme Business AccountBenFinance
PrymeBruceCare
Inside a mandate you write. Every action logged.
Multi-currency30 currencies on one balanceFlip
Locked rates30 s
🇺🇸 1 USD—
🇬🇧 1 GBP—
🇪🇺 1 EUR—
The rate you see is the rate you get.
10 years2016 to today, one trunkScan to get the app
Get the appScan with your phone camera
Business Account

Open an account. Get customers.

Your competitor down the road sells the same thing you sell. The difference is who walks in. We put money in people’s hands that can only be spent in businesses like yours — and then we point them at you.

The Pryme Business home page: three currency balances on one account, the money actions, five agents working and a live stream of what they have done
Business · the page your team signs into
Spaces · Nigeria

We hand the customer the money. It can only be spent with you.

You are not borrowing. You are selling to somebody who already has the money — and that money can only be spent with a business like yours.

The business · Pryme Business
johndoe.mypryme.com · Spaces

Spaces Showing 30 days

Spaces is onshoppers near you can see your shop
Spaces brought you · 30 days ₦2,578,550.00 104 sales from 71 shoppers ▼ 4% on the period before
Where the money came from
91% shoppers who had been in before 9% first visit to your shop
21 of 71 came back more than once Average basket ₦24,793.75 Biggest shopper ₦142,300.00
24 Jul returningnew to you 22 Aug
Money on its way to you confirmed at the counter · on its way to your Naira account
Confirmed at the counter ₦47,150.002 sales today · final the moment they paid
Sales of 23 Aug₦90,9503 sales · confirmed
Sales of 24 Aug₦196,2005 sales · confirmed
Sales of 25 Aug₦47,1502 sales · confirmed
nothing for you to do · it arrives on its own
Lands in your NGN account ₦334,300.0010 sales in flight
The shopper · Pryme app
4:34
‹
BorrowLoans
SpacesSalary Advance
Spaces credit₦21,450 available
Repay ₦78,550
₦78,550 in use₦100,000 limit
Hold 25% · repay 2 more early to drop to 20%

₦100,000 from day one · agreement v2.1 · 12 Aug · View

Near youCategories 9Your loans 9
🛒Grocery / Retail4 places
🍽Eateries / Restaurants4 places
💊Pharmacies3 places
🎬Movies & Cinema3 places
🚌Transport3 places
💇Spa’s & Saloons3 places
Say “Hey Pryme”🎤
HomeBoxes CardsYou
Freeto join, nothing monthly. You are in the app the day you switch it on.
You get paidthe sale settles into your Naira account. Nobody to chase.
Zero riskwe carry the credit, whether or not the shopper repays us.
You growfaces that had never been to your shop — and most come back on their own.
The account

One account. Every currency you trade in.

Pryme Business4 currencies · one ledger
Base
₦127,328,879.23NGN · Nigerian Naira
$1,240.00USD · US Dollar
£480.00GBP · Pound Sterling
€310.00EUR · Euro
  • A named Naira account with Solid Allianze MFB — NDIC insured, your business name on it.
  • Real details abroad. A US account number, a UK sort code, an IBAN for the euro area.
  • Every currency has its own statement — regular or certified, with a code anyone can verify.
Swapping · in the app
4:34
‹···
Current account · NGN ₦127,328,879.23
SwapBoth balances move at once, on one ledger
Fill it inAsk Eva
$1 = ₦1,650.00
FromNGN ▾
250,000Available ₦127,328,879.23
ToUSD ▾
151.52after swap $1,391.52
Rate$1 = ₦1,650.00
Fee—
You get$151.52
NowWhen it hits

Eva waits for your rate and asks before she moves anything.

Target rate
$1 =1,585.00₦
Set the watch
Pryme Pay

Take money on your site, or on a checkout of your own.

No card, no OTP, nothing for the buyer to type in. They transfer from the bank app they already use, and the money lands in the same account your agents are running — already matched to the order, already in your books.

Pay from your bank app

We give the buyer a one-time account number. They transfer to it from any bank app or by USSD — no card, no OTP, nothing to type in.

Get the account number
  • Card details are never asked for, so they cannot leak.
  • The account is used once, then it closes.
  • Held with a licensed bank, insured by the NDIC.
Transfer exactly this amount

To this account, from any bank app. We watch it, and the page updates itself.

Send exactly₦26,767.50Copy
BankSolid Allianze MFB
Account number0000 000 000Copy
Account namePRYME / JOHNDOE‑ORD1042
Watching the account — nobody has to confirm anything.
Payment received

₦26,767.50 from GTBank · John D., matched to order ORD‑1042.

OrderORD-1042
Settled intoJohn Doe Trading Ltd · Naira account 0000 000 000
Receiptsent to the buyer
Get your receiptRun it again
Your checkout, your brand.On the site you already have, in your colours, on your own domain — or on a page we host for you.
A link for anything you sell.One price, one buyer, one link — sent on WhatsApp, Instagram or email, and paid the same way.
It lands already reconciled.Matched to the order, receipt issued, and in your books before you have looked at it.
Business Account

A team you did not have to hire.

Five agents come with the account. Each one has a job description, a budget and a ceiling you set. They do the work and bring it to you — nothing leaves the account without your signature.

CS Chief of Staff Runs the week

Knows what is stuck, who is waiting and what you promised — and keeps all three moving.

Booked a meeting with John Doe Foods for Thursday 11:00.
FI Finance Watches the money

Keeps the books as you trade and tells you the moment something does not add up.

Flagged a duplicate — invoice DP‑11908 was already paid in July.
COCompliance Keeps you inside the rules

Holds every filing to its own clock and screens names and payments against your policy — and logs what it refuses.

Screened 412 payments overnight and refused two of them.
SA Sales Chases what is owed

Goes back to the buyers who went quiet, with the receipt already attached.

Recovered ₦410,000 across three overdue invoices.
SU Customer Support Answers your customers

Replies, follows up on what they asked for and hands you only the ones that need you.

Resolved 4 conversations — two deliveries, one refund.
Every agent prepares and proposes. You are the only one who can approve.
Build on Pryme

Our rails, under your product.

Issue a dedicated Naira account number to each of your own customers, collect into it and reconcile against it. The same rails the Business Account runs on, with the licence behind them.

Read the API
Pryme Business

One business account. Every currency you trade in.

Dollars, pounds and euros beside a Naira account, on one ledger and one set of books. Five agents come with it and run the account — nothing leaves without your signature.

The Pryme Business home page: Naira, dollar and pound balances on one account, the money actions, five agents working and a live stream of what they have done
Business · the page your team signs into

A team you did not have to hire

Five agents come with the account. Each has a job description, a budget and a ceiling you set. They do the work and bring it to you — they propose, you approve.

CSChief of Staff Runs the week

Knows what is stuck, who is waiting and what you promised, and keeps all three moving.

Booked the quarterly review with your auditor for Thursday.
FIFinance Watches the money

Keeps the books in every currency you hold and flags the moment something does not add up.

Flagged a duplicate — invoice DP‑11908 was already paid in July.
COCompliance Keeps you inside the rules

Holds every filing to its own clock and screens names and payments against your policy — and logs what it refuses.

Screened 412 payments overnight and refused two of them.
SASales Chases what is owed

Goes back to the buyers who went quiet, with the invoice and the receipt already attached.

Recovered $12,400 across three overdue invoices.
SUCustomer Support Answers your customers

Replies, follows up on what they asked for and hands you only the ones that need you.

Resolved 4 conversations — two deliveries, one refund.
Every agent prepares and proposes. You are the only one who can approve.
Open a business account

Ten years, one trunk

The business has changed shape four times and never changed what it was rooted in. Each version was built out of what the last one could not do.

2016E-commerce

An online grocery store, built out of a faulty tab. Selling the food was the easy part — taking the money for it, and moving it, turned out to be the business.

2018OjirehPrime Card

A prepaid card. The first time the company issued rather than resold, and the first time it carried the obligations that come with holding somebody else’s money.

2020Microfinance bank

PrymeSolid Allianze acquired — an existing bank with an existing licence. The perimeter stopped being someone else’s to draw.

2023Multicurrency

More than one currency on one balance, and the rebrand to Pryme. A Nigerian business could hold dollars without holding a second institution.

2026Agentic operations

Accounts that do the work rather than only hold value. Five agents on the account, inside a policy you write — which is where the new mark starts.

Questions

The things people ask us first.

What is Pryme?

Pryme is a financial technology company. It gives people and businesses in Nigeria one account that holds Naira alongside dollars, pounds and euros, and a set of agents that do the running of it — keeping the books, chasing what is owed, answering customers and paying bills. Nothing leaves an account without the owner’s approval.

Can I hold dollars, pounds and euros in a Pryme account?

Yes. A Pryme account holds Naira, US dollars, pounds sterling and euros side by side on one ledger, each with its own account details — a Nigerian account number, a US account number, a UK sort code and an IBAN for the euro area. You can swap between them at a rate you set, and every currency has its own statement.

What is Spaces?

Spaces is available in Nigeria. It gives a shopper money to spend that can only be spent with a participating business. The business is paid into its Naira account whether or not the shopper repays, because Pryme carries the credit. For the business it is free to join, there is nothing monthly, and the customer’s identity is never shown — only a reference and what it is worth.

What do the agents on a Pryme Business Account do?

Five agents come with the account. The Chief of Staff runs the week and keeps what is stuck moving. Finance watches the money and keeps the books as you trade. Compliance keeps the filings on time and screens what moves. Sales chases what you are owed. Customer Support answers your customers and follows up. Each has a job description, a budget and a ceiling you set, and each one proposes rather than acts — nothing leaves the account without your signature.

How does Pryme Pay work?

Pryme Pay takes payments on your own site or on a checkout page you control. The buyer is given a one-time account number and transfers to it from any bank app or by USSD — no card, no OTP, nothing to type in. The money lands in the same account your agents are running, already matched to the order and already in your books.

What are Savings Boxes?

Savings Boxes are separate pots inside a Pryme account, held in Naira. Flexible Boxes can be withdrawn at any time, Fixed Boxes hold to a date, Investment Boxes hold for longer, and Interest-free Boxes earn nothing by design. A business can use them to ring-fence payroll and the tax it withholds, so that money cannot be spent by accident.

Who holds my money, and is it protected?

Pryme is a financial technology company, not a bank. Accounts and deposits are provided by Solid Allianze Microfinance Bank Limited, which is licensed by the Central Bank of Nigeria and is a member of the Nigeria Deposit Insurance Corporation.

Can I build on Pryme?

Yes. Pryme Rails lets a platform issue a dedicated Naira account number to each of its own customers, collect into it and reconcile against it, over one API — the same rails the Pryme Business Account runs on.

What is Pryme?

Pryme is a financial technology company. It gives you one account that holds US dollars, pounds sterling and euros beside Naira, with an assistant that runs the account for you and asks before anything moves. Accounts are provided in Nigeria today, and further markets open as each licence lands.

Can I open a Pryme account from outside Nigeria?

Accounts are provided in Nigeria today, subject to verification and approval. Foreign-currency balances are held and converted inside that account, so you can hold, receive and swap dollars, pounds and euros wherever you are.

Which currencies can I hold with Pryme?

Naira, US dollars, pounds sterling and euros, side by side on one ledger. Each has its own details — a Nigerian account number, a US account number, a UK sort code and an IBAN for the euro area — and each has its own statement.

How do I send money to Nigeria with Pryme?

Swap at a rate you set rather than the rate of the day, then send to any Pryme username or to a Nigerian bank account. There is no fee to send to another Pryme account.

What does the assistant do?

Eva is the assistant inside the Pryme app. She opens accounts, moves money, saves toward your goals, pays what is due and follows up what is owed to you — and asks you before anything moves.

What is Pryme Rails?

Pryme Rails lets a platform issue a dedicated Naira account number to each of its own customers, collect into it and reconcile against it, over one API — the same rails the Pryme Business Account runs on.

The Ledger

Notes on money that does the work: what we are building, what the regulation actually says, and how we think about letting software act on money. Read the Ledger

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

PTA and BTA in Nigeria: who qualifies and how much

The CBN's PTA and BTA rules in 2026: the USD 4,000 and USD 5,000 limits, the quarterly rule, the age, ticket and visa requirements and the cash split.

PE
Pryme editorialJapa desk · 19 Oct 2026 · 7 min read
The short answer

Personal Travel Allowance (PTA) is capped at USD 4,000 per quarter under the CBN's 2026 FX Manual, for travellers aged 18 and over. For BDC sales, the CBN's 2024 guidelines allow PTA of USD 4,000 and Business Travel Allowance (BTA) of USD 5,000 per person once every three months, against an e-Form A, passport, visa and return ticket. Since 1 June 2026, up to 25% may be paid in cash and at least 75% electronically.

The two allowances

PTA and BTA let Nigerian residents buy foreign currency at the official market for trips abroad. PTA covers personal travel such as holidays and family visits. BTA covers business travel. Both are meant for spending during the trip. They are separate from tuition, medical bills and other invisible payments, which the CBN treats under their own rules.

How much: the limits

RulePTABTASource
Bank limit (2026 FX Manual)USD 4,000 per quarterNot stated in summaries we readTheCable; WTS Blackwoodstone
BDC limitUSD 4,000 once every three monthsUSD 5,000 once every three monthsCBN BDC Guidelines, May 2024
Cash portionUp to 25%Up to 25%FX Manual 2026 (Pavestones; MSME Africa)
Electronic portionAt least 75%At least 75%FX Manual 2026

The 4th edition of the CBN Foreign Exchange Manual was launched on 16 May 2026 and took effect on 1 June 2026, replacing the 2018 manual. TheCable (3 June 2026) and WTS Blackwoodstone (10 July 2026) both report that the PTA maximum stays at USD 4,000 per quarter. We did not find the bank BTA ceiling in the summaries; ask your bank.

Who qualifies

  • Age: TheCable reports the USD 4,000 PTA is for eligible travellers aged 18 and above.
  • Passport and visa: the BDC guidelines require travellers to present a passport and a visa.
  • Ticket: a return ticket is required.
  • Identity: residents are verified by BVN or TIN; non-residents by passport.
  • Form A: an e-Form A is completed on the CBN's TRMS portal for each request.

The quarterly rule

The BDC guidelines allow each allowance "once every three months" per individual, and the manual describes the PTA limit per quarter. The practical effect: once you buy PTA, you cannot buy it again until the three-month window has passed, whether from the same bank, a different bank or a BDC, because each request is registered on TRMS. Plan big trips with this in mind.

How the money is paid

Until June 2026, the CBN's 2024 cashless directive meant PTA and BTA could not be paid in cash. The 2026 manual allows up to 25% in physical cash; at least 75% must be paid electronically, usually to a debit or prepaid card (Mondaq/Pavestones, 24 June 2026; MSME Africa, 16 May 2026).

Worked example

Example (illustrative): a couple travelling together each apply for PTA. Each is an individual, so each can get up to USD 4,000, together USD 8,000. For each person, at least USD 3,000 goes to a card and up to USD 1,000 can be cash. If one of them is a business traveller using a BDC, that person could apply for BTA of up to USD 5,000 instead: at least USD 3,750 electronic, up to USD 1,250 cash.

What to check first

  1. You are 18 or over and hold a valid passport, a visa (if required) and a return ticket.
  2. You have not used the allowance in the past three months.
  3. Your bank's current Form A charge (the CBN Guide to Charges sets ₦3,000 per form) and any PTA commission.
  4. Which card receives the electronic portion.
  5. Step-by-step help: how to apply for PTA at a bank and BTA requirements.

What PTA and BTA are not for

Both allowances are for spending during a trip. Other payments abroad have their own windows, and buying PTA to pay them is not the right route. The table sets out the separate limits the CBN rules describe.

PurposeLimitSource
Tuition through a bankUSD 25,000 per semester, up to two semesters per academic year, paid to the institution2026 FX Manual (TheCable; WTS Blackwoodstone)
Student maintenance (off campus)USD 5,000 per quarter2026 FX Manual (TheCable)
Medical, through a BDCUSD 5,000 per three monthsBDC Guidelines 2024
School fees, through a BDCUSD 10,000 once a yearBDC Guidelines 2024
Professional fees, through a BDCUSD 2,000BDC Guidelines 2024

The BDC guidelines also cap cash settlement between a BDC and its customer at USD 500 and below; anything above is paid by transfer. In practice that means the cash share of a PTA bought at a BDC may be smaller than the 25% ceiling suggests, so ask before you go.

Couples, children and repeat trips

The allowance is per individual, so each adult traveller applies in their own name with their own passport, visa, ticket and BVN. The 18-and-over condition reported by TheCable means a child's trip is not a reason to buy a separate PTA. If you travel twice within three months, the second trip has to be funded another way, because the first request is already on TRMS.

Where Pryme fits

PTA and BTA come from banks and BDCs. If you earn or receive foreign currency, a Pryme multicurrency account keeps USD, GBP and EUR in their own currency. For the wider rules, see what the 2026 FX Manual changed for personal dollar accounts.

Questions people ask

What is the PTA limit in Nigeria in 2026?

USD 4,000 per quarter under the CBN's 2026 FX Manual, for travellers aged 18 and above.

What is the BTA limit in Nigeria?

The CBN's 2024 BDC guidelines allow BDCs to sell up to USD 5,000 of BTA per person once every three months. Confirm the bank figure with your bank.

How often can I get PTA?

Once every three months per individual.

Can I get PTA without a visa?

The CBN's BDC rules list passport, visa and return ticket as required documents with the e-Form A. Where your destination needs a visa, get it first.

Sources

  1. 7 things to know about CBN's new FX manual (TheCable, 3 Jun 2026) · accessed Oct 2026
  2. The CBN's 2026 Foreign Exchange Manual: key reforms and practical implications (WTS Blackwoodstone via Mondaq, 10 Jul 2026) · accessed Oct 2026
  3. CBN Revised Regulatory and Supervisory Guidelines for Bureau De Change Operations (approved 22 May 2024) · accessed Oct 2026
  4. Key regulatory update in Nigeria: the CBN Foreign Exchange Manual 2026 (Pavestones Legal via Mondaq, 24 Jun 2026) · accessed Oct 2026
  5. CBN revises PTA, BTA rules, allows 25% cash disbursement (MSME Africa, 16 May 2026) · accessed Oct 2026
  6. CBN Guide to Charges by Banks, Other Financial and Non-Bank Financial Institutions (effective 1 Jan 2020) · accessed Oct 2026

This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.

More on Tuition and fees

Japa & diaspora

PTA vs buying dollars at a BDC: which is cheaper

Bank PTA and BDC dollars compared: the same USD 4,000 quarterly cap, how the rate gap and charges decide the cost, and a worked example.

PEPryme editorial · Japa desk19 Oct 2026 · 6 min
Japa & diaspora

PTDF overseas scholarship: eligibility and deadlines

The 2026 PTDF Overseas Scholarship Scheme ran from 18 January to 27 February 2026 for UK, German, French and Malaysian partner universities.

PEPryme editorial · Japa desk19 Oct 2026 · 6 min
Japa & diaspora

Qatar work visa from Nigeria: what money you need

Under Qatar's labour law the employer sponsors you and recruitment fees to workers are banned. What a Nigerian should pay, and fees that signal a scam.

PEPryme editorial · Japa desk19 Oct 2026 · 4 min