Wallet
Your BillSpot wallet
One place for balances and funding - main wallet, referral earnings, and Airtime to Cash - with NGN bank transfer and international receive options.
Balances in the app
- Main balance - switch NGN · USD · EUR · GBP
- Referral balance - earnings from referrals
- Airtime to Cash balance - from converting airtime
How to fund
- Bank transfer (NGN) - pay into your dedicated virtual account (BVN required to create account) · auto-credit when payment lands
- Share Bill Tag - request / receive from other BillSpot users
- USD bank account - receive USD via ACH, wire, or SWIFT
- EUR bank account - receive EUR via SEPA or SWIFT
- GBP - GBP receive accounts are for business profiles in the app (personal GBP top-up may not be available)
How NGN top-up works
- Complete BVN if needed, then open Top up, then Bank transfer
- Copy virtual account, then transfer from your bank
- Wallet credits automatically
Deposit fees or fee waivers are shown live in app. PIN / biometrics protect your account. Promotional cashback on airtime after funding may appear in the app - check the live offer there.
Get BillSpot
Download the app to use this product with live rates, fees, and limits shown before you confirm.