A Wallet That Moves With You
When you onboard, you get your own virtual account number. Receive money from any bank, hold it safely, send to other NAJ Capital users and to any bank account, and pay your bills, all from one wallet, protected by a transaction PIN, OTP confirmation, and instant alerts.
From any bank+₦35,000
NAJ Capital · instant−₦15,000
VTU · bill payment−₦1,000
One Number, Money In and Out
The moment you sign up, NAJ Capital issues you a personal virtual account number. Share it and people can pay you from any bank in Nigeria. When it is your turn to pay, send money to other NAJ Capital users or to any bank account, and settle bills, in seconds.
Every Transfer, Protected
Sending money is fast, but never careless. Each transfer and bill payment is confirmed with your transaction PIN and a one-time OTP, while real-time fraud monitoring watches for anything unusual and instant alerts keep you informed of every move on your account. You stay in full control of who you pay and when.
Built to Move Your Money
A modern fintech wallet that lets you receive, hold, send, and spend, with security at the centre of every transaction.
Send to Anyone
Transfer instantly to other NAJ Capital users, or out to any Nigerian bank account.
Receive From Any Bank
Share your virtual account number and get paid from any bank or app, no special setup needed.
Pay Bills (VTU)
Buy airtime and data, and pay electricity, cable TV, and more, straight from your wallet.
Your Own Account Number
A unique virtual account, just for you, issued automatically at onboarding.
PIN & OTP Security
Every transfer and bill payment is confirmed with your transaction PIN and a one-time OTP.
Instant Alerts
Fraud monitoring runs on every transaction, and you get a real-time alert for each move on your account.
Up and Running in Four Steps
Onboard
Sign up and your virtual account number is created instantly.
Set Your PIN
Create your transaction PIN to authorise every payment.
Receive Money
Share your number; money lands instantly and updates live.
Send & Pay
Transfer to anyone or pay bills, confirmed by PIN and OTP.