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Popular articles
- Getting started Signing up How to sign up for Nomapay with your phone number, a code by SMS or WhatsApp, your name and your face or fingerprint. It takes under a minute.
- Sending Send to a phone number How to send dollars to any phone number or @name, in any country. It is free, and people on Nomapay receive it in seconds.
- Cash out and bills Cash out to your bank or mobile money How to cash out dollars to your bank or mobile money, with the rate and fee shown before you confirm. Usually paid within minutes.
- Getting paid Receive from an exchange or crypto wallet How to withdraw USDC or USDT from an exchange or crypto wallet to your Nomapay account, and which address to copy for each network.
- Getting started New phone? The 24-hour safety window For 24 hours after you sign in on a new phone, Nomapay pauses risky actions, so a SIM thief can't act quietly. Here is what is paused and why.
- Sending Unclaimed money: take it back, or it comes back by itself Money you sent to a phone number that isn't collected can be taken back after 7 days, and comes back to you automatically after 37 days.
- Security and recovery I lost my phone What to do if your phone is lost or stolen, and how to get back into your account on a new phone.
- Fees Fees, explained Every Nomapay fee, from the same fee table the app uses. Sending, receiving and holding are free.
Browse by topic
Getting started
4 articlesSending
3 articlesGetting paid
2 articlesCash out and bills
5 articlesSecurity and recovery
4 articlesBasic phones
2 articlesExchanges and networks
3 articlesFees
2 articlesAccount and limits
3 articlesTroubleshooting
2 articlesCommon questions
Is Nomapay a bank?
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 to your account. 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. So are receiving and holding. 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.
Still stuck?
Write to us and a person will reply. We will never ask for your sign-in code or PIN.
Good to know. Nomapay is a financial technology company, not a bank. Digital dollars (USDC, USDT) are issued by Circle and Tether. Cash-outs, bill payments and dollar purchases are processed by our licensed payment partners. Availability varies by country.