All Your Money,
One Smart App
with Multiple Rewards
Earn rewards and cashbacks when you send or receive money, buy airtime and data, pay bills, and more — all on the Stackup Mobile App.
How would you like
to grow?
From download to your first transaction — it only takes minutes. Our platform is designed to make your financial journey seamless.
Get the Stackup App — Free
- ✓Download the Stackup Mobile App from Google Play Store or App Store
- ✓Completely FREE to download and get started in minutes
Create Profile & Activate Wallet
- ✓Sign up with phone or email — or faster with Facebook or Google
- ✓Complete your KYC to create and activate your wallet instantly
- ✓Fund your wallet to earn 5% instant cashback
Start Transacting & Earning
- ✓Send or receive money simple and fast
- ✓Create gift plans for yourself or others
- ✓Pay bills, buy airtime and data and earn instant rewards
Everything you need,
all in one app
From payments to gifting — Stackup handles it all and rewards you along the way.
Wallet
- ✓Instant wallet creation
- ✓Instant 5% cashback on first-time wallet funding
- ✓Seamless wallet upgrades from tier 1 to tier 3
Gifts
- ✓Setup gifts for yourself or others
- ✓Get family & friends to contribute to your goals
- ✓Get celebrated by Stackup on all social media platforms
- ✓Earn bonus cash when new users join via your gift link
Send & Receive Money
- ✓Receive money locally from anyone
- ✓Pay faster with Scan Account feature — no mistakes
- ✓Intelligent destination bank suggestions
- ✓Smart beneficiary and favourite management
- ✓Fast, secure transfers at low charges
- ✓Generate, download or share receipts
Everyday Payments
- ✓Buy airtime instantly
- ✓Buy data from all networks
- ✓Pay bills without queues
- ✓Earn instant cashbacks in your reward wallet
Security You Can Trust
- ✓Biometric login (Face / Fingerprint)
- ✓OTP & 2FA protection
- ✓Knowledge-based Q & A
- ✓Device binding for fraud prevention
Instant Rewards
- ✓Earn cashback on wallet funding
- ✓Rewards on every bill payment
- ✓Bonus cash from referrals
- ✓Seamless reward withdrawals
Built Different. Built for You.
Here's what sets Stackup apart from every other payments app.
Enhanced Security
Multiple layers of protection keep your money and data safe at all times.
Fast Transactions
No delays, instant confirmations. Your money moves at the speed of now.
Low Transaction Charges
Low transaction fees. No hidden charges. What you see is what you pay.
Smart Intelligence
Auto-network selection, likely beneficiary bank suggestions, and fast payment by scanning.
Instant Rewards
Earn instant cashback on transactions. Withdraw your rewards seamlessly, anytime.
Built for Everyday Use
From airtime to transfers — everything you need for daily financial life in one place.
Designed for You
A localized experience with seamless payment flows tailored to how you actually live and spend.
Whatever you need money for, Stackup has you covered
Real people. Real use cases. Everyday financial needs — handled simply and rewarded generously.
Send money to friends & family
Receive gifts from family & friends for special events or occasions
Pay bills without queues
Buy airtime/data instantly
Manage daily spending
Trusted by Thousands of Users
Join thousands of satisfied users worldwide who rely on our secure fintech app for effortless money transfers, rewards, and financial freedom daily.
"Stackup is my daily driver for all bills. The cashback is real! I've saved so much in just few months of using the app."
Amaka Okonkwo
Digital Marketer
"Instant wallet funding and 5% back? Yes please. It's a no brainer for any business owner looking to optimize expenses."
Ibrahim Musa
Business Owner
"The interface is so clean. Navigating the app is a breeze. It's rare to find a Nigerian app this well-designed."
Nneka Eze
Creative Director
"Everyday payments are so seamless. Airtime, data, bills—all sorted without any stories or delays. Highly recommended!"
Yakubu Dogara
Civil Servant
"Stackup's customer support is actually responsive. A rare find in this space. They truly value their users."
Ogechi Kalu
Content Creator
"Stackup is my daily driver for all bills. The cashback is real! I've saved so much in just few months of using the app."
Amaka Okonkwo
Digital Marketer
"Instant wallet funding and 5% back? Yes please. It's a no brainer for any business owner looking to optimize expenses."
Ibrahim Musa
Business Owner
"The interface is so clean. Navigating the app is a breeze. It's rare to find a Nigerian app this well-designed."
Nneka Eze
Creative Director
"Everyday payments are so seamless. Airtime, data, bills—all sorted without any stories or delays. Highly recommended!"
Yakubu Dogara
Civil Servant
"Stackup's customer support is actually responsive. A rare find in this space. They truly value their users."
Ogechi Kalu
Content Creator
"Best way to send money to my family in Ibadan. Fast, cheap, and reliable. Never had a failed transaction."
Tunde Folawiyo
Software Engineer
"Security is top notch. I feel safe handling my business funds here. The 2FA and biometric features are airtight."
Funmi Adebayo
Fashion Designer
"Finally a fintech that celebrates its users. Love the social media shoutouts and the sense of community around the brand."
Olumide Johnson
Financial Analyst
"Referred my whole crew and my rewards wallet is looking healthy. Passive income while transacting is the goal."
Emeka Obi
Fitness Coach
"The intelligent bank suggestions save me time every single day. It's those small smart features that make the difference."
Segun Arinze
Sales Executive
"Best way to send money to my family in Ibadan. Fast, cheap, and reliable. Never had a failed transaction."
Tunde Folawiyo
Software Engineer
"Security is top notch. I feel safe handling my business funds here. The 2FA and biometric features are airtight."
Funmi Adebayo
Fashion Designer
"Finally a fintech that celebrates its users. Love the social media shoutouts and the sense of community around the brand."
Olumide Johnson
Financial Analyst
"Referred my whole crew and my rewards wallet is looking healthy. Passive income while transacting is the goal."
Emeka Obi
Fitness Coach
"The intelligent bank suggestions save me time every single day. It's those small smart features that make the difference."
Segun Arinze
Sales Executive
"I love the gifting feature. My friends helped me save for my new laptop through a gift plan. It was so seamless!"
Chioma Nnadi
UX Designer
"Scan to pay is a life saver. No more typing long account numbers and making mistakes. Just scan and you are done."
Chidi Onuoha
Store Manager
"Paying utility bills used to be a chore. Now it's just two clicks on Stackup. No more queues or stress."
Zainab Aliyu
Teacher
"The rewards system is the best I've seen. I practically pay for my data from the cashbacks I earn on other bills."
Bisola Ojo
Entrepreneur
"Safe, reliable, and rewarding. What else do you need in a bank? Stackup has effectively replaced my traditional bank apps."
Ifeoma Okoro
HR Professional
"I love the gifting feature. My friends helped me save for my new laptop through a gift plan. It was so seamless!"
Chioma Nnadi
UX Designer
"Scan to pay is a life saver. No more typing long account numbers and making mistakes. Just scan and you are done."
Chidi Onuoha
Store Manager
"Paying utility bills used to be a chore. Now it's just two clicks on Stackup. No more queues or stress."
Zainab Aliyu
Teacher
"The rewards system is the best I've seen. I practically pay for my data from the cashbacks I earn on other bills."
Bisola Ojo
Entrepreneur
"Safe, reliable, and rewarding. What else do you need in a bank? Stackup has effectively replaced my traditional bank apps."
Ifeoma Okoro
HR Professional
Get Early Access to New Features
Be the first to experience new financial tools on Stackup.
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