Local Transfers

Instant

Real‑time clearing

Secure

Bank‑grade

Low Fees

Transparent pricing

24/7

Anytime transfers

What you can do

Pay vendors, payroll, friends & family — all within seconds.

Bank‑to‑Bank

Send to any supported local bank using account number & name validation.

Instant name lookup
Real‑time status
Reusable beneficiaries

Wallet Transfers

Move funds between ZeeTen wallets or to partner wallets with zero downtime.

No corridor limits
Instant settlement
Detailed receipts

Bulk & Payroll

Upload a CSV or use the API for high‑volume payouts and salary runs.

CSV & API options
Per‑line validation
Audit‑ready logs

How it works

Add beneficiary — save bank/wallet details with instant name check.
Enter amount & note — see fees and ETA before you confirm.
Confirm securely — approve with 2FA and track status in real time.

Name validation 2FA approval Real‑time status

Fees

Simple, transparent pricing for individuals and businesses.

Bank transfer: from ₦10 – ₦50
Wallet transfer: Free
Bulk payouts: Volume discounts

Exact fees may vary by partner rails and corridor.

Limits

Increase your limits by completing compliance verification.

Tier 1 (basic KYC): up to ₦200,000 / txn
Tier 2 (business KYC): up to ₦5,000,000 / txn
Custom enterprise limits available

Frequently Asked Questions

Quick answers about local transfers on ZeeTen Pay.

Most bank transfers settle instantly; some rails may take a few minutes depending on network conditions.

Yes. Set future dates or recurring payouts for payroll and vendors.

You’ll see the reason in your dashboard, and any debited funds are auto‑reversed to your wallet.

Yes — upload CSV or use the API for large payouts with per‑line status and error handling.