Pay bills with crypto all in one app

From airtime to electricity, data to TV subscriptions, swap crypto to naira and pay from your balance

Download the app

All your bills
in one app

Top up your naira balance with crypto, then pay any bill below in a few taps.

Airtime & Data

MTN, Glo, Airtel, T2 (formerly 9mobile)

Electricity

IKEDC, EKEDC, AEDC, PHED

Cable TV

DStv, GOtv, StarTimes

Education

WAEC, NECO, JAMB

Flights

Wakanow, Cowry

Why Swapto for bills
payments?

Flexible
options

Swap crypto to naira, then pay from your balance.

Instant
payment

Real-time confirmation on every transaction

Earn
rewards

Collect Swapto Points on every payment and redeem them for discounts or perks

Seamless control in one app

Track transactions, set spending reminders, or automate recurring payments

Unified bill history

Instant receipts and notifications

Built-in budgeting insights

Secure by
design

Every Swapto transaction is protected by bank-grade encryption, two-factor authentication, and real-time fraud monitoring

Encrypted payments with bank-grade security

Two-factor authentication for every transaction

Instant alerts and digital receipts

Support from 9am to 9pm, every day

How to pay bills with Swapto

01.

Open a free Swapto account in minutes

02.

Select the category (Airtime, Electricity, Internet, etc.)

03.

Swap crypto to naira if your balance is low

04.

Confirm and pay instantly

Frequently Asked
Questions

Swapto is a global platform for selling cryptocurrency and paying bills. Sell Bitcoin, USDT, Ethereum, Tron, Litecoin, and other coins for naira, with payment landing in your Nigerian bank account 5 to 10 minutes after you sell. You can also use your naira balance to top up airtime and data, and pay for electricity, DSTV, GOtv, and Startimes subscriptions. Swapto was formerly known as Dtunes.

Download the Swapto app from Google Play or the App Store. Complete a quick BVN verification in about 5 minutes. Send crypto to your Swapto wallet using the network shown in the app. Once confirmed, sell it for naira at the live rate and withdraw the naira to your linked Nigerian bank account in 5 to 10 minutes.

You can sell Bitcoin (BTC), Tether (USDT), Ethereum (ETH), Tron (TRX), Litecoin (LTC), BNB, USD Coin (USDC), and other popular coins. Each coin has its own deposit address inside the app. Always match the network shown in the app when sending from an external wallet.

Network confirmation times vary by coin. USDT on TRC-20 is typically the fastest, with 2 to 5 minute confirmation times, while Bitcoin may take 10 to 20 minutes. Once you sell, the naira lands in your Nigerian bank account 5 to 10 minutes after you sell. Airtime, data, and bill payments happen within seconds.

Swapto pulls live crypto prices from major exchanges and combines them with the current USD to naira parallel market rate. The rate you see when you confirm a trade is the exact rate that applies.

Yes. Swapto operates within Nigeria's regulatory framework through a licensed partner. We use bank-grade encryption, two-factor authentication, and BVN verification to protect accounts. The Central Bank of Nigeria lifted its 2021 crypto banking restriction in December 2023.

Every major Nigerian bank works, including GTBank, Access, UBA, Zenith, First Bank, Fidelity, Sterling, Union, Wema, and Ecobank. Digital banks such as Opay, PalmPay, Kuda, Moniepoint, VBank, and FairMoney are also supported. If the bank accepts NIBSS instant transfer, Swapto can pay it.

You can pay for electricity across Nigerian DISCOs, including Ikeja Electric, EKEDC, AEDC, and PHED. You can also pay for DSTV, GOtv, and Startimes, as well as top up airtime and mobile data on MTN, Airtel, Glo, and 9mobile. Payments and top-ups deduct from your naira balance after selling crypto.

Before you confirm a sale, the app shows the exact naira amount you will receive. Network fees charged by your sending wallet are separate and are paid to the network.

Yes. Complete BVN verification inside the app under Profile and Verification. Verification takes about 5 minutes and is required by Nigerian regulations. Unverified accounts have a ₦500,000 cumulative trade limit, while verified accounts unlock unlimited trade volume.

Yes. Your referral link is in the app, and the current rewards and rules are shown there.

You can contact Swapto support on WhatsApp at +234 811 337 2579 for the fastest response during business hours, email support@useswapto.com, or use the live chat available inside the app. Support typically responds on WhatsApp within 10 to 30 minutes during business hours.

Pay bills with crypto all in one app