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Top 5 Utility Bills Payment App in Nigeria

This is a post about the top 5 utility Bills payment app in Nigeria.

Gone are the days when bill payments are stressful; when you have to make the payment physically in a bank or an office.

Nowadays, with technology, you can pay any bills comfortably. As easy as just opening an app, punching your details and proceeding to payment. All in a few minutes!

Indeed, there are a lot of utility apps in Nigeria that you can use, but not all will give you an overall comfortable experience.

While some offer you limited numbers of utility bills you can pay, some are prone to technical issues.

This is why the top 5 utility bill payment apps in Nigeria have been put together.

But first, what is a utility bill?

What is a Utility Bill?

A utility bill is an important service that is provided for everyone, and that everyone pays for. This payment can be annually, monthly or otherwise.

Additionally, the payment can be prepaid or postpaid. A prepaid payment is when you pay before you enjoy the service. Whereas, you enjoyed the service first before paying in postpaid.

In Nigeria, the following can be classified as utility bills:

  • Airtime and Mobile Data: MTN, Glo, Airtel, 9 mobile.
  • Internet subscription: Smile, Swift, Spectranet, IPNX.
  • Electricity bill: Abuja Disco, Eko Disco, Enugu Disco, Ibadan Disco, Ikeja Disco, Jos Disco, Kaduna Disco, Port Harcourt Disco, Smarter Grid, PowerGen, PaySolar, Fenix.
  • Cable TV subscription: DSTV, GOTV, Startimes.
  • Water bill
  • Tollgate

Read: How to Subscribe to GOtv on GTBank

Top 5 Utility Bills payment apps in Nigeria

1. Jumia Pay

Jumia Pay utility bill

Jumia is the number one e-commerce site in Nigeria. No doubt about that.

With a strong presence in different African countries, Jumia is a place to shop online for your needs such as fashion clothes, electronics, phones, cameras, computers and accessories.

Shop for Jumia discounted products here.

In order to make your payment easy on the Jumia website is why the Jumia Pay app was created.

But, that is not all…

You can use Jumia Pay to pay for different utility bills, tickets flights, and get access to discounts on all products and services available on Jumia.

Sign up on Jumia Pay here.

Utility Bills you can pay with Jumia Pay

  • Airtime and Data.
  • Electricity Bill.
  • Cable TV Subscription.
  • Internet Subscription.
  • Government Tax.
  • Jamb e-Pin.
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  • Bus and Airline flights.

Jumia Pay Pros: What I love about the Jumia Pay

  • Big Discounts: There is always a discount every week on Jumia Pay. For example, you can get discounts of up to 20% on selected bills. Sometimes, it is 15% or 10%. At least, you will get a 4% discount on Airtime.
  • Wide range of Utility Bill payments: Jumia pay offers a lot of utility bills on the app that it is rare you won’t find the bill you want to pay.

Jumia Pay Cons: What I don’t like about the Jumia pay

  • Long Payment process: Compared to other utility bill apps, it takes more time to pay for bills Jumia pay.

2. Branch App

branch loan app utility bill

Branch app is a fintech app that seeks to provide financial services to mobile users generation.

Some of its products and services include:

  • Loans.
  • Invest: Flexi or Fixed investment (20%)
  • Free Bank Transfer.
  • Pay Bills: Airtime, Data, Electricity and Cable TV.

Presently, the branch app is in 4 countries namely the USA, Nigeria, India and Kenya.

Read the Branch App review here.

Utility Bills you can pay with Branch App

  • Airtime and Data.
  • Electricity Bill.
  • Cable TV subscription.

Branch App Pros: What I love about the Branch App

  • Easy payment.
  • Discount.
  • Wide range of Bill payments.

Branch App Cons: What I don’t like about the Branch App

  • It only offers prepaid and not postpaid electricity bill payments.

Get the Branch App referral Bonus here.

3. PennyTree App

make money with the pennytree app

PennyTree is a fintech company that launched Pennytree app with the aim to blend finance and lifestyle. Hence, this finance app helps you to save and make payments in a seamless way.

So, PennyTree app products and features include:

  • Target Saving.
  • Penn Rules.
  • Personal Vaults.
  • Transfer.
  • Bill Payment.

Read the PennyTree App review here.

Utility Bills you can pay with PennyTree App

  • Airtime and Data.
  • Cable TV subscription.
  • Electricity Bill.

PennyTree Pros: What I love about the PennyTree App

  • Easy payment process.

PennyTree Cons: What I don’t like about the PennyTree App

  • No regular discounts.

4. Chipper Cash app

the chipper cash app bill payment

Founded in 2018 by the Chipper cash company, the Chipper Cash app is a finance app that allows individuals to send and receive money with ease and perform other financial transactions such as investments, and payment of bills.

In summary, Chipper cash App products and services include:

  • Send and Receive money both local and abroad for free
  • Virtual Visa Card.
  • Airtime purchase.
  • Bill payment.
  • Investment opportunities in stocks.

Read the Chipper Cash App review here.

Utility Bills you can pay with the Chipper Cash App

  • Airtime and Data.
  • Cable TV subscription.
  • Electricity Bill.

Chipper Cash Pros: What I love about the Chipper Cash App

  • Easy payment.
  • Discount.

Chipper Cash Cons: What I don’t like about the Chipper Cash App

  • Limited Electricity bill payment.

Sign-up on Chipper Cash App here.

5. Opay

Opay utility bill payment

Indeed, Opay is a fintech app that aims to make financial services easily accessible to all. Opay is a very popular brand in Nigeria, especially in the POS business.

As an individual, you can use the app in the area of payments, savings, investments and loans.

Hence, some of Opay products and services include:

  • Transfer Money
  • Receive Money
  • Bill payments
  • Savings
  • Investments
  • Loans
  • Opay Business

Utility Bills you can pay with the Opay App

  • Buy Airtime
  • Buy Data
  • Cable TV
  • Electricity
  • Fund betting account

Opay Pros: What I love about the Opay App

  • Discounts on bill payments.
  • Easy payment.
  • Opportunity to get overdraft to pay bills.

Opay Cons: What I don’t like about the Opay App

  • It is easy to get lost on the Opay app due to many features and pop-ups.

Sign-up on Opay App here.

Final Thoughts: Top 5 Utility Bills payment apps in Nigeria

So, here are some of the top utility bill payment apps you can use. Additionally, they all offer discounts.

Therefore, try it and let me know your experience.

Lastly, remember to drop comments below.

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