Get paid from anywhere in the world.
Create an invoice in Xpend, send it to your client, and get paid without Xpend taking a fee.
Get AppBanking made easy, anytime, anywhere
Keep your money in dollar value. Spend it in naira.
Fund your Xpend wallet and keep your money in dollar value, while still paying bills, sending money and spending in naira when you need to.
Trusted by 8,000+ people
Do more with your money.
Pay your everyday bills from Xpend.
Pay for electricity, TV, internet, airtime and data directly from your Xpend wallet.
Run your next giveaway with Xpacket.
Put the money in one Xpacket, choose how many people can win, and share the link. Whoever claims it first gets their share.
Send crypto across Nigeria.
Send USDT or USDC and let your recipient receive naira in their Nigerian bank account.
Do more with your money.
Pay bills, order food, book flights, send Xpackets and manage money with your community, all from Xpend.
Book your next flight with Xpend.
Search for a flight and book your trip without leaving Xpend.
Pay everyone at once.
Create a group, add the people you pay regularly, set how much each person should receive, and send the payments together.
Reach your financial goals faster.
Tell Xpend what you're working towards. It shows you if you're on track, what could slow you down, and what you can do to reach your goal.
Order from Chowdeck with Xpend.
Connect your Chowdeck account, tell Xpend what you want, and Xpend handles the order for you.
Book your next flight with Xpend.
Search for a flight and book your trip without leaving Xpend.
Reach your financial goals faster.
Tell Xpend what you're working towards. It shows you if you're on track, what could slow you down, and what you can do to reach your goal.
Pay everyone at once.
Create a group, add the people you pay regularly, set how much each person should receive, and send the payments together.
Order from Chowdeck with Xpend.
Connect your Chowdeck account, tell Xpend what you want, and Xpend handles the order for you.
Do more with your money.
Contribute money together
Create a treasury for your ajo, group or organization, contribute together and keep everyone updated in your social groups.
Do more with your money.
Tell Xpend what needs to be paid. Let it handle the rest.
Set up your regular transfers and payments, choose when they should happen, and Xpend handles them for you.
People are already using Xpend.
Frequently asked questions
Xpend is a money app for Nigeria. You fund a wallet that holds dollar value, then pay bills, send bank transfers, create invoices, run giveaways with Xpacket, and manage money with your community — spending in naira whenever you need to.
Ready to do more with your money?
Download Xpend and get started.