Pay bills with crypto or cash
From airtime to electricity, data to TV subscriptions, pay with crypto or cash
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 securityTwo-factor authentication for every transactionInstant alerts and digital receiptsSupport from 9am to 9pm, every day
How to pay bills with Swapto
Open a free Swapto account in minutes
Select the category (Airtime, Electricity, Internet, etc.)
Swap crypto to naira if your balance is low
Confirm and pay instantly
