Download
Services Airtime to Cash Testimonials FAQ Trust Download

BillSpot

Airtime to cash, bills, and wallet - in one Nigerian app.

Convert airtime, buy data, pay bills, move money, and spend with cards. Built for everyday payments in Nigeria.

Download on the App StoreGet it on Google Play

New to Airtime to Cash? How it works

BillSpot app on a phone

Join over 1M+
people who use BillSpot.

Convert airtime, buy data, pay bills, fund your wallet, and more. Tap a service for the full guide.

Instant Airtime to Cash

Convert your airtime to cash in seconds. Sell it, or buy again cheaper.

Convert airtime

Airtime Top-up

Buy airtime for MTN, Glo, T2mobile, and Airtel. Rates are shown in the app before you pay.

Buy airtime

Buy Data

Buy data plans on major Nigerian networks from your BillSpot wallet.

Buy data

Bill Payments

Pay cable TV, electricity, solar, betting, education, insurance, and eSIM.

Pay bills

Transfers & Bill Tag

Send and receive money, request funds, and get paid with your Bill Tag.

Send money

BGiftDrop

Send a gift link. Friends redeem it straight into their BillSpot wallet.

Send a gift

How BillSpot works

Create an account, fund your wallet, pick a service, then confirm with PIN.

1

Create your account

Sign up with phone or email and set your transaction PIN.

2

Fund your wallet

Transfer to your Naira virtual account after BVN, or receive USD and EUR where available.

3

Choose a service

Airtime, bills, convert, transfer, withdraw, cards, gifts, Spray It, and more.

4

Confirm and done

Check the fees in the app, enter PIN, and you are done.

Start now Download on the App Store

What people use most

A look inside the app for airtime, bills, and wallet. Each product page has the full guide.

Buy airtime and data

Top up MTN, Airtel, Glo, or T2mobile for one number or many. Save beneficiaries and schedule auto-renew when you need it.

  • Local networks plus international where listed
  • Pay from wallet with PIN confirm
  • Link to Airtime to Cash when you want to convert or rebuy
Airtime and data guide
BillSpot airtime and data screen

Pay everyday bills

Cable TV, electricity, solar, sports betting, education, insurance, and eSIM from one place. Available providers update live in the app.

  • DSTV, GOtv, StarTimes and Disco meters
  • Save beneficiaries and set auto-renew
  • Charges shown before you enter PIN
Bill payments guide
BillSpot bill payment screen

Wallet, withdraw, cards

Keep main, referral, and Airtime to Cash balances in one wallet. Cash out locally or internationally. Spend with Naira or USD cards. Add eligible cards to Apple Wallet or Google Wallet to keep card details handy.

  • Dedicated Naira virtual account after BVN
  • USD ACH, wire, SWIFT and EUR SEPA options
  • Freeze or unfreeze cards with PIN
Wallet guide
BillSpot wallet screen

All products

Grouped the way you use them. Each row opens a dedicated page with how it works and store links.

Pay

Buy Airtime & Data

MTN, Glo, Airtel, T2mobile, and international top-ups.

Airtime to Cash

Convert airtime to wallet cash, or rebuy cheaper.

Pay Bills

Cable, electricity, solar, betting, education, and more.

Money

Wallet & Funding

Fund by transfer, Bill Tag, or USD/EUR accounts.

Transfers & Bill Tag

Send or request money. Fees shown before PIN.

Withdraw

Cash out to Nigerian banks, ACH, or SWIFT.

USD Account

USD, EUR, and GBP receiving options where available.

Cards

Naira and USD cards. Add to Apple or Google Wallet to keep details handy.

Extras

Spray It

Host events and receive sprays by Nearby, QR, or code.

BGiftDrop

Send money as a gift link with a theme and message.

Invoices

Create, share, and track invoices from the app.

Referrals

Earn when a friend funds with your code.

Account

Identity / KYC

BVN, ID, and proof of address. No face liveness.

AI Assistant

Chat for balance, airtime, bills, and transfers.

Transactions

Review payment history across the app.

Why BillSpot?

Built for everyday Nigerian payments - from airtime to cash-out.

One app for payments

Fund, pay, convert, and withdraw here - no need to jump between apps.

Learn more

Customer support

Reach us in the app, on WhatsApp, or by email when you need help.

Contact us

Security

PIN for wallet debits. Staff never ask for PIN or OTP. Read how we protect you.

Read more

Fast and reliable

Fund your wallet, buy airtime or data, and pay bills in a few taps.

More info

What people use BillSpot for

Family top-ups, airtime to cash, bills, and everyday wallet use.

Buying data for several family numbers used to mean many transfers. Save the numbers once and top them up together next time.
Airtime & data · Family top-ups
Leftover airtime can become wallet cash, or you can buy again cheaper. Always check the rate in the app before you enter PIN.
Airtime to Cash · Convert or rebuy
Cable and electricity can sit on auto-renew so the subscription does not lapse. Charges show before you enter PIN.
Bill payments · Auto-renew
Fund once with the Naira virtual account, then pay electricity and cable from the same wallet without leaving the app.
Wallet · Virtual account funding
Send or request money with Bill Tag, phone, or email. Fees are shown before PIN - staff never ask for your PIN or OTP.
Transfers · Bill Tag
Keep airtime, data, bills, and history in one place. Freeze cards with PIN when you need to lock spend quickly.
Everyday payments · Cards & history

Frequently asked questions

Short answers here. More questions are on the FAQ page.

How do I fund my wallet?

Complete BVN if needed, open Top up, copy your virtual account, and transfer from your bank. The wallet credits automatically. You can also receive via Bill Tag or USD/EUR accounts.

How does Airtime to Cash work?

Convert excess airtime to wallet cash, or rebuy cheaper at a discount. Rates can change. Always check the live rate in the app before you confirm. See the rate table on Airtime to Cash.

Is BillSpot legitimate?

BillSpot Digital Limited is registered with CAC as RC 8246077. We are not a bank. Payments go through licensed partners. Read Trust & security for company and security details.

Where do I download the app?

Official listings only: App Store and Google Play.

Go to full FAQ

Download the app

Get the app for everyday payments with BillSpot.

Download on the App StoreGet it on Google Play

BillSpot Digital Limited is a financial technology company, not a bank. Payment partners are licensed. Trust & security

FAQ Privacy Terms