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Do more with LUNTRA: payments, cards, savings, loans and POS machines.

One wallet for every bill you pay.

Fund your LUNTRA wallet once, then pay bills, get a card, save, borrow and run your business with POS machines.

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  • PIN on every payment
  • Instant delivery
  • Support when you need it

Illustrative preview with sample figures, not a real account.

Cards, savings and loans, all in your account

Beyond everyday bills, LUNTRA gives you the products you use to spend, save and borrow.

Illustrative card designs.

Virtual USD cardA digital card for online payments, funded from your naira wallet. Get started Debit cardA debit card for everyday spending. Enquire Physical ATM cardA physical card for ATMs and in-store payments. Enquire SavingsSet money aside in a simple savings plan. Enquire LoansRequest extra funds when you need them. Terms apply. Enquire

Every bill you pay, in one place

Pick a service and pay straight from your wallet.

Airtime top-up

MTN, Airtel, Glo and 9mobile, with cashback on eligible top-ups.

Data bundles

Plans for every supported network.

Electricity

Prepaid and postpaid payments.

Cable TV

DStv, GOtv and StarTimes.

Bulk SMS

Message many contacts at once.

Accept payments with a Luntra POS

Choose the terminal that fits how you sell.

Mini POS A compact card terminal for simple, everyday sales. Enquire Android POS A full Android terminal for busier businesses. Enquire

One wallet. Everyday payments.

Money goes in once. Every purchase after that is a few taps and your PIN.

  • Fund by transferSend money to your dedicated account number or pay through the payment gateway.
  • Earn cashbackEligible transactions earn cashback in your bonus balance.
  • Keep a recordEvery purchase appears in your transaction history.
MTN Airtel Glo 9mobile DStv GOtv StarTimes IKEDC

Start paying in three steps

  1. Create your account

    Sign up with your details and open your wallet.

  2. Fund your wallet

    Transfer to your dedicated account number or use the payment gateway.

  3. Make your payments

    Buy airtime, data and other services, confirmed with your PIN.

Built to protect your money

What we do to keep your account and payments safe.

Transaction PINEvery payment needs your PIN.
Protected sign-inHashed passwords, HTTPS, rate limiting and login lockouts.
Clear historyCheck the status of every transaction, any time.

Frequently asked questions

Log in and navigate to Top Up. You can fund your wallet via bank transfer to your dedicated virtual account number or through our Monnify payment gateway. Funds are credited instantly.

Check your transaction history for the status. If it shows pending or failed and your balance was debited, contact our support team with the transaction ID — we resolve all verified cases within 24 hours.

Yes. Every transaction requires your PIN, passwords are stored as bcrypt hashes, and all data travels over encrypted HTTPS. We also apply rate limiting and login lockouts to block unauthorised access.

Absolutely. Simply enter the recipient's phone number during the purchase — it doesn't have to be your own. You can top up any MTN, Glo, Airtel, or 9mobile number in Nigeria.

Yes — every eligible transaction earns you cashback credited instantly to your bonus balance. You can withdraw it to your main wallet anytime for free, or use it to offset the cost of future purchases.

View all FAQs →

Ready for a smarter way to pay?

Open a free LUNTRA account and make your first payment in minutes.

Create account Contact support