Instant transfers
Send free, instant transfers to other Laraad users, or move money to any Nigerian bank in seconds.
Now onboarding early users in Nigeria
Money that speaks
your language.
Send money, pay bills, and go international — all from one glossy, effortless app that greets you in English, Hausa, Yoruba, Igbo or French.
No spam. Just one email when we launch in your city.
Bank-grade security
Built for Nigeria, 5 languages
Instant transfers
Total balance
₦482,650.00
SendRequestBillsMore
Send
Bills
Global
Card
Recent activity
From Ngozi A.Laraad transfer
+₦25,000
IKEDCElectricity bill
−₦8,200
SpotifySubscription
−₦1,900
🇳🇬 → 🇬🇧 $250 sent
✓ KYC verified in 3 min
Everything in one app
One wallet. Every way you move money.
From splitting rent with a roommate to paying a supplier abroad — Laraad keeps it simple.
Pay every bill
Electricity, water, waste — plus Netflix, Prime, Showmax, Spotify and YouTube Music, all in a couple of taps.
Go international
Send abroad with live exchange rates you can see up front — no surprise fees buried at checkout.
Virtual dollar card
Spend online anywhere Visa or Mastercard is accepted, funded straight from your Laraad wallet.
Verified & protected
Quick selfie-and-ID verification, a private transaction PIN, and real-time monitoring on every move.
Crypto, simplified
Receive USDT to your own address and convert straight to naira whenever you're ready to cash out.
Built to be understood
Finance app, first.
Nigerian app, always.
Every screen — onboarding, transfers, bills, settings — is written for the way Nigerians actually speak. Switch languages any time from Settings, no reinstall required.
- English
- Hausa
- Yorùbá
- Igbo
- Français
EN
"Send money in seconds — to anyone, anywhere."
YO
"Fi owó ránṣẹ́ ní ìṣẹ́jú àáyá — sí ẹnikẹ́ni, níbikíbi."
HA
"Aika kuɗi cikin daƙiƙa — ga kowa, ko'ina."
Getting started
You'll be sending money in under 5 minutes.
01
Sign up & verify
Register with your phone number, pick your language, then verify with a selfie plus your NIN or BVN.
02
Fund your wallet
Top up from any Nigerian bank account. Your unique Laraad ID makes you easy to find and pay.
03
Send, pay, spend
Transfer instantly, settle bills, go international, or spend online with your virtual dollar card.
Your money, protected
Security isn't a feature. It's the foundation.
Laraad is built on a double-entry ledger and bank-grade infrastructure from day one — not bolted on after the fact.
Encrypted end to end
Sensitive data like your NIN and BVN is encrypted at rest and in transit.
Immutable transaction ledger
Every kobo is tracked in a double-entry ledger — nothing is ever silently edited.
PIN-protected transfers
A private transaction PIN guards every transfer, bill payment and card action.
Licensed banking partners
Accounts and transfers run through regulated banking infrastructure, not a shortcut.
Questions
Good to know
Is Laraad a bank?
Laraad isn't a bank itself — your account and funds are held with our licensed banking partners, while Laraad gives you the app experience on top: instant transfers, bill payments, cards and more.
Which languages does the app support?
English, Hausa, Yorùbá, Igbo and French today, with the whole app — not just the marketing bits — translated. You can switch any time from Settings.
What do I need to sign up?
A phone number, a selfie, and either your NIN or BVN. Verification typically takes a few minutes.
When can I download the app?
We're onboarding early users in phases. Join the waitlist below and we'll email you the moment it's your turn.
Be first to try Laraad.
Drop your email — we'll let you know the moment your city goes live.
No spam. Just one email when we launch in your city.