Experience Nigeria's most comprehensive digital financial platform. Pay bills, book flights, and trade digital assets seamlessly - all from one powerful app.
Making life easy for users each week
Pay all your bills at once, without leaving your home with JOAPP’s comprehensive range of services.
Book domestic and international flights instantly. Compare prices, select seats, and get digital boarding passes with competitive rates from all major airlines.
Stay connected with loved ones and top up your airtime instantly for all major Nigerian telecom networks. Quick, easy, and available 24/7 nationwide.
Stay connected to the internet no matter where you are with JOAPP's easy data bundle top-up service. Available for all major network providers nationwide.
Never miss a due date or wait in long lines again with JOAPP's electricity bill payment service. Pay your bills with ease for all major DISCOs.
Book bus tickets, fund ride-hailing accounts, and pay for transportation services across Nigeria with instant confirmations. Efficient service always.
Managing education expenses is easy with JOAPP's comprehensive education payment solutions. Pay tuition fees, examination fees, stress-free.
Get uninterrupted access to your favorite TV shows and channels by subscribing to cable TV services. Subscribe to DSTV, GOtv, and StarTimes with JOAPP.
Exchange your digital assets with complete ease and security through JOAPP's trusted platform. Buy and sell digital assets and get paid directly to your bank.
Fund your sports betting accounts instantly on all major platforms with immediate account crediting available. Quick deposits with competitive rates and instant processing.
Make payments securely with just a few taps using bank-level encryption and fraud protection.
Simplify your life with our user-friendly interface designed for quick and efficient bill payments.
Track all your transactions with detailed history, receipts, and spending analytics in one place.
Stay informed with instant notifications for successful payments, account updates, and special offers.
Get the JOAPP first and install it to access all our financial services on your device.
Register with and complete a quick verification to secure your account.
Add money to your wallet using bank transfer, debit card, or mobile banking for instant funding
Begin making payments, booking flights, and trading digital assets with just a few taps.
Your frequently asked questions, answered. Everything you need to
know about joining JOAPP
JOAPP is Nigeria's comprehensive digital financial services platform for bill payments, flight bookings, and secure digital asset trading.
JOAPP has completely transformed how I handle my business transactions. From paying electricity bills to buying airtime for my customers, everything runs smoothly. The app is incredibly reliable and I highly recommend it to every business owner.
Owner, Adejumo Provision Store, Ibadan
Since I started using JOAPP, managing my family's finances has become so much easier. I can pay my children's school fees, buy data bundles, book flights - everything in one place. Their customer service team is also very helpful and responsive.
CEO, Aliyu Fashion House, Kaduna
As someone who travels frequently for business, JOAPP has become an essential tool for me. Whether I need to book flights or send money back home, the app works perfectly every time. It's very reliable and the rates are highly competitive.
MD, Okechukwu Trading Company, Lagos
The convenience JOAPP offers is unmatched. From bill payments to airtime recharge, everything is seamless. I recommend this app to anyone looking for a reliable financial solution.
Financial Advisor
Your frequently asked questions, answered. Everything you need to know about joining JOAPP
