Save Smart. Pay Fast. Earn Big.

Whether you're saving for your future, making quick payments, or running a business. Xtrempay makes it fast, fun, and financially rewarding.

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Why Xtrempay?

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All-in-One Wallet
Send money, buy airtime, pay bills, and save—all in one app.

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Incentive-Based Savings
Save money and unlock raffle draws, trivia contests & entertainment perks.

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Made for Nigerians
Localized features, naira-first UX, and real-time support

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Bank-Level Security
End-to-end encryption, secure login, and fraud alerts.

10M

To be won every week

100K

Active users

24/7

Customer Support

100M

Weekly savings

Trivia

Savings

Save Weekly Answer Smart Win Cash. Trivia Savings makes saving fun, you save money, answer trivia, and stand a chance to win cool cash!

How it works:

Save ₦3000/week = Entry unlocked Play our weekly trivia quiz

  • Get answers right! Boost your chance
  • Winners get picked and rewarded with real cash!

Why it bangs:

  • Fun + saving in one
  • Real rewards for being smart
  • For sharp minds & goal-getters
  • Don't just save. Outsmart. Outwin. Trivia Saving only on Xtrempay.

Spin & Win

Savings

Spin & Win - Save. Spin. Win Big. With Spin & Win Savings, every token you spin gives a chance to win instant rewards, fun, fast, and built for the bold.

How it works:

Save ₦500 = 1 spin token

  • Use your token to spin the wheel
  • Could you win airtime, saving boosts, or even real cash

Why it bangs:

  • Every spin is a shot at winning instant rewards
  • Fun, fast, and built for the bold
  • Only on Xtrempay where saving gets exciting!

Raffle

Savings

Raffle Savings on Xtrempay rewards you with cash prizes just for saving, no interest, no stress.

How it works:

Save ₦1000 = 1 ticket

  • More savings = more tickets = Higher chances
  • We draw winners weekly/monthly and yes, it's real cash

Why it bangs:

  • No boring interest
  • Real wins, made for hustlers & dreamers like you
  • Stack your savings. Stack your chances. Join the Raffle.

Send Money.

Pay Bills

Raffle Savings on Xtrempay rewards you with cash prizes just for saving, no interest, no stress.

How it works:

Save ₦1000 = 1 ticket

  • More savings = more tickets = Higher chances
  • We draw winners weekly/monthly and yes, it's real cash

Why it bangs:

  • No boring interest
  • Real wins, made for hustlers & dreamers like you
  • Stack your savings. Stack your chances. Join the Raffle.

Xtrempay POS?

Free POS for Agents & Merchants

Xtrempay gives you a POS machine at no cost, so you can grow your hustle and serve your community.

Xtrempay POS Agent

What You Get

  • iconFree POS device
  • iconFast & secure
  • iconInstant settlement
  • iconEarn commissions on every transaction
  • icon24/7 support & quick settlements

Who Can Apply

Small business owners
Mobile money agents
Anyone ready to make extra income
Get Started

What they say about us

Saving with Xtrempay is fun and addictive!

I used to struggle with saving money. But now I look forward to it every week because I get to spin, play trivia, and win cash. Saving has never felt this rewarding.

Olife A.

Olife A.

Student | Ibadan

I won 50,000 just for saving 1000!

At first, I didn't believe it. But when I won a raffle draw after saving just 1000, I screamed. Xtrempay is the real deal. I'm hooked now!

Sammy B.

Sammy B.

Content Creator | Ibadan

I save and earn while testing my brain!

The trivia savings is genius. I save 3000 weekly and get to answer fun questions. Got lucky a few times and won some cash. It's like learning and earning!

Ahmed S.

Ahmed S.

Corp Member | Kano

Xtrempay fits my hustle.

Between saving for rent and helping my mum's shop with a POS, Xtrempay has become my go-to app. It's not just a savings app, it's a financial hack.

Kemi O.

Kemi O.

Side Hustler | Abeokuta

Free POS helped me grow my shop.

I got a free POS from Xtrempay. No rent, no stress. Now customers pay easily, and I earn commissions daily. It's the best decision I made for my business.

Blessing E.

Blessing E.

Seller | Benin City

Join the X-Force winning big and paying smarter every day.

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Whether you're saving, spinning, or making payments — we're always here for you.

Talk to Us

Call/WhatsApp: +234 703 293 2410

Mon-Sat | 9AM-5PM

In-App Chat

Open Xtrempay → Tap Help → Start a Live

Email Us

General Support: support@xtrempay.com

Partnerships: business@xtrempay.com

Need Help? Xtrempay's Got You.

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Need Help Now

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Need Help? Xtrempay's Got You.

Whether you're saving, spinning, or making payments — we're always here for you.

Get in Touch

You can reach us anytime

Having Questions About Us?
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Everything you need to know about us. Can't find the answer you're looking for? Please chat with our team here.

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FAQs

Xtrempay is a smart savings and rewards platform...

Raffle Saving lets you win by saving regularly...

You earn rewards by answering trivia while saving...

Spin & Win is a gamified reward mechanism...

No, your savings are always safe...