Hold US dollars yourself, in your own account: only your face or fingerprint can move them. Send them free¹ to any phone number², and cash out to your bank or mobile money through our licensed payment partners.
Our partnersDollars, payouts, bills, identity and messages
CircleUSDCTetherUSDTLicensed payment partnersPayoutsVTpassBillsReloadlyAirtimeSmile IDIdentitySumsubIdentityTwilioMessagesAfrica's TalkingUSSD and SMSTermiiMessagesCircleUSDCTetherUSDTLicensed payment partnersPayoutsVTpassBillsReloadlyAirtimeSmile IDIdentitySumsubIdentityTwilioMessagesAfrica's TalkingUSSD and SMSTermiiMessages
Free to sendAny phone numberFree to receiveApproved with your faceFree to holdSpend it your wayArrives in secondsAny network
Free to sendAny phone numberFree to receiveApproved with your faceFree to holdSpend it your wayArrives in secondsAny network
Send to any number, anywhere
Next door or across the world.Same price: free.
You send dollars you already hold in Nomapay: money someone paid you, or USDC or USDT moved in from another app. Buying dollars by card from abroad is coming soon.
Type their numberAny phone number, in any country. Or an @name, or a contact.
See who it isTheir name shows before any money moves, so you know it is the right person.
Enter the amountIn dollars. The fee is shown before you confirm: $0.00.
Approve with your faceYour face or fingerprint unlocks your key, which never leaves your phone. Big payments wait, so you can cancel them.
It arrives in secondsLondon to Lagos, or next door. Same speed, same price: free.
You, in London
9:41
Pay
To
+234 803 555 0142
NNgozi A.@ngozi · on Nomapay
FromBalance · $250.00
$20.00US dollars
Fee$0.00
ArrivesIn seconds
Approve with Face ID
Face ID
Sent
$20.00 to Ngozi A. +234 803 555 0142
Fee$0.00
ArrivedIn seconds
Mum, in Lagos
9:41
You got $20.00from +44 7700 ••• 123
Good morning
Your balance$20.00US dollars
PayGet paidCash outAirtime
Recent
+From +44 7700 ••• 123Received · Just now+$20.00
One app, everything you need
Money that works the way your phone does.
Hold
Your money, in dollars
Hold digital US dollars yourself, in your own account, and stop losing value to currency falls.
+$200.00from +44 7700 ••• 123+$40.00from Kofi A. · Accra
Your balance
$250.00US dollars
+ any country
Send
$0.00fee to send
Free to any phone number
In any country. Fair use applies: smaller or extra sends pay the network fee at cost.
Safe
Only you can move it
Every payment is approved with your face or fingerprint. A stolen SIM is not enough.
Not on Nomapay yet?
The money waits for them
SMSWhatsApp
SMS · Nomapay
Money is waiting for this number on Nomapay. To collect it, get the Nomapay app and sign up with this number.
WhatsApp · Ade
I’ve sent you $20 on Nomapay. You’ll get a text from Nomapay, it’s real.
✓✓
You tell them yourself, so they know it’s really you. Our texts never carry a link. Not collected? Cancel it any time before they collect it, or it comes back to you by itself after 3 days.
Check your balance, send and buy airtime with a PIN and text receipts. Keep the same account when you get a smartphone.
App: iPhone and AndroidComing soon for basic phones
Nomapay 1 Balance 2 Send 3 Airtime 6 My account
Reply with a number
123456789*0#
Nomapay for business
Running a business?Get paid from anywhere.
Your customers pay in digital dollars from wherever they are. You get your local currency in your own bank account, through our licensed payment partners, with a clean record of every payment.
In any country, even if they’re not on Nomapay yet. Fair use: your first 100 sends each month are free when they’re above a small amount (about $0.35 in your own money).
Get paid $100.00
Someone sends you
$100.00
To receive
$0.00 · Free
To hold it in dollars
$0.00 · Free
You get
$100.00
Your balance stays in dollars for as long as you like.
Cash out $100.00
To your bank or mobile money
$100.00
Nomapay fee (1%)
$1.00
Then
The rate, shown before you confirm
Everything above
Shown in full before you confirm
You see what you’ll get in your own currency before you say yes.
Pay a $100.00 bill
Airtime, data, electricity or TV
$100.00
Nomapay fee (1%)
$1.00
Then
The rate, shown before you confirm
If it fails
Refunded automatically
Every line is on the screen before you approve.
Buy $100.00 with local money
You buy
$100.00
Price and fee
Shown in the quote
Nothing hidden
You see it all before you pay
Where buying dollars is available in your country.
Every fee is shown on its own line before you confirm. Network costs are never marked up. Fees may vary by country.
Questions,answered.
The things people ask first. Everything else is in the Help centre.
No. Nomapay is a financial technology company: an app that lets you hold and send dollars by phone number. Your money stays in your own account, and only you can move it.
Can Nomapay take or freeze my money?
No. Only you can move it. Every payment is approved with your face or fingerprint, and Nomapay has no key that can move your money. The Security page explains each protection, and its honest limits.
What if I lose my phone?
Sign in on your new phone with your phone number, a code by SMS or WhatsApp and your face or fingerprint. If you use the same Apple or Google account, your key is already there.
If it is truly gone, you can recover your account with your two guardians, after a 72-hour wait that you can cancel if it was not you.
Is sending really free?
Yes. Sending to anyone, in any country, is free. Fair use: your first 100 sends each month are free when they’re above a small amount (about $0.35 in your own money). Smaller or extra sends pay the network fee at cost, shown before you confirm. Receiving and holding are free. Cash-out and bills cost 1% + the rate shown, and every fee is shown before you confirm.
How do I cash out?
To your bank or mobile money, where available. You see what you get, the rate and the fee before you confirm with your face, and it is usually paid within minutes. Cash-out is available in Ghana, Kenya and Nigeria.
Which countries?
You can hold, send and receive dollars by phone number in any country. Cash-out, bills and buying dollars are available in Ghana, Kenya and Nigeria. The Countries page shows what is available where.
