How to Pay Bills Online in Nigeria (2025)
Although the idea of money leaving our account doesn't sound appealing, it is a relief to know that bills can be paid without additional stress.
We can all agree that we get two feelings at the end of the month. The first, a good feeling because month-end equals salary, and salary equals more money. The second, a not-so-good feeling because more money equals more bills to pay.
Having to deduct bills already gives me a sting; what’s more annoying is when they get difficult to pay.
Luckily, bills like airtime, internet service. PHCN for electricity, and cable TV subscriptions—just to name a few—can now easily be paid online from the comfort of my bedroom.
So, as a Nigerian adult who wears the same shoes but is not aware of how to go about it, you should continue reading this article. Here, I will reveal the best apps you can use to settle your bills online in 2025.
Where to Pay Bills Online in Nigeria
There are different apps you can use to pay bills online in Nigeria. However, they all have different operating systems and vary in their accessibility. Hence, the three apps I will recommend to use to pay bills online in Nigeria are Cardtonic, Breet, and your bank app.
1. Cardtonic:
Cardtonic is a fintech app that is accessible and easy for Nigerians to use. You can use Cardtonic to pay bills, buy gadgets, trade gift cards, and even get a virtual dollar card.
To use Cardtonic, you need to download the app from Google Play or the App Store. After installing the app, sign in and create an account. With these two simple steps, you have successfully created a Cardtonic account.
After collecting your salary, fund your Cardtonic wallet and get ready to pay your bills. All you need to do is go through the dashboard and select the bills you want to pay for that month.
Aside from the easy access of Cardtonic, there are certain bonuses you get from being a regular customer, like cashback.
Bills You Can Pay on Cardtonic
- You can buy airtime online for any network.
- Pay for cable TV like DSTV, Showmax, and Startimes.
- Pay for internet services like Spectranet and Swift.
- Buy data for your mobile devices.
- Pay for electricity by selecting your specific electricity provider, like Eko Electricity and Benin Electricity.
- Fund your betting account.
2. Bank Apps:
Any Nigerian traditional bank that has no app by 2025 should be closed. All jokes—but most banks now have apps that you can use to carry out your bank transactions.
Aside from sending and receiving money, you can also use these bank apps to settle your bills.
To get started with bank apps, ensure your bank has one, download it from the App Store or Google Play Store, and log in to your account.
3. Breet:
Breet is the best app to use to pay bills if you're a crypto person. It’s commonly used to sell, swap, and receive cryptocurrencies easily. Now, Breet has been upgraded and can also be used to pay your bills online.
So, instead of converting your crypto coins to naira, you can simply use them to settle your bills on Breet.
All you need to do is create a Breet account to get started. Fund your account with crypto, click on “Bill Payment,” and choose the bill you want to pay.
How to Pay Bills Online Using Cardtonic
Out of all the three methods mentioned above to pay bills online, my go-to is Cardtonic. The process is simple and convenient. All you need to do is install the app, create an account, fund it and get started.
1. Download the app from Google Play or the App Store.
2. Sign up to create an account. Log in if you already have one.
3. Ensure your wallet is funded. You can fund your wallet by sending money directly to it, or by selling your gift cards for cash.
4. On the dashboard, click on “Bill Payment”.
Step 5: Select the bill you want to pay. For example, if you want to pay PHCN electricity bill online, just select electricity and choose your provider.
6. Enter your desired amount.
7. Click on “Purchase”.
8. Enter your security PIN to complete your transaction.
Frequently Asked Questions on How to Pay Bills Online in Nigeria
1. Which App is the Best to Pay Bills in Nigeria?
Cardtonic is the best app to pay bills in Nigeria. It is easy to use and navigate, and available on all devices. If you do not have access to your mobile device at the moment, you can always log in on the website and carry out your transactions.
2. Can I Buy Electricity Online in Nigeria?
Yes, you can buy electricity online in Nigeria. You can do this through your bank app or fintech platforms like Cardtonic. All you need to do is sign in, select your electricity provider, choose either the prepaid or postpaid option, enter your meter details, input your desired amount, and complete the transaction.
3. How Can I Pay for Prepaid Meter Online in Nigeria?
Paying for a prepaid meter online in Nigeria is straightforward. If you are using Cardtonic, select electricity after logging in. Choose your PHCN electricity provider, e.g., Ikeja Electricity or Ibadan Electricity, depending on your location.
Two options will be displayed on your screen: prepaid or postpaid payment. Click on prepaid payment, and slot in your meter number where necessary. Confirm the name of the meter and enter the amount you want to pay. Enter your PIN, and you have successfully paid for your prepaid meter online.
4. How Can I Get Utility Bill for Prepaid Meter in Nigeria?
If you are using a prepaid meter, your utility bill is simply a statement of account showing how much power you bought and consumed in a month. When you need the utility bill, check the history of the apps you used to buy electricity.
5. Can I Buy Data Bundle Without Airtime Online?
Yes, you can buy a data bundle for any network without having airtime online. All you need is a stable internet connection and the Cardtonic app. Select the bills section after logging in, click on data, select the network you want, choose your desired data plan, and input your security PIN. In less than a minute, you have successfully bought data online without airtime.
Conclusion
Although the idea of money leaving our account doesn't sound appealing, it is a relief to know that bills can be paid without additional stress.
In 2025, all you need is a stable internet connection, your money, and your smartphone to settle your bills online. In the blink of an eye, you can pay your bills and enjoy the services and utilities you need.
