Your money.
Your circle.
Your trust.
Send money, split bills, and lend to friends without the awkward part — VitePay keeps the record straight for both of you, backed by bank-level security.
Trusted by 20,000+ circles across Nigeria
₦0
Hidden Fees
Free to record, track, and split loans with friends
100%
Shared Transparency
Two-sided ledger ensures zero disputes or forgotten debts
< 30s
Instant Settlement
1-tap repayment directly into any Nigerian bank account
Regulated Security
Backed by licensed banking and deposit insurance partners
How it works
Lend and borrow with confidence.
Available on iOS and Android — free to download.
Why VitePay
Everything you need.
Nothing you don't.
Know where you stand.
Instantly see your net financial position with your circle. Track exactly who owes you, and what you owe others in one clean dashboard.
We'll do the asking.
VitePay sends polite, automated push notifications before the due date. You never have to send that uncomfortable text again.
Gideon Aigbokhan
Reminder to repay ₦5,000 for Friday Drinks.
What you log is what you pay.
Interest is always ₦0 between friends. We don't charge service fees for peer-to-peer loans. Settle directly via NIBSS instantly.
vitepayVirtualCardholder
ADEWALE BELLO
Valid Thru
12/29
One card to spend anywhere.
Zero maintenance fees
Create instant virtual debit cards for safe online shopping, streaming subscriptions, and international payments. Freeze in one tap, spend anywhere in the world, with zero annual maintenance fees.
04 / Community
Built for how friends actually lend and split.
Over 20,000+ circles across Nigeria trust VitePay to keep money clear and friendships intact.
“I used to constantly forget who owed me what after group hangouts. Now everything is in one clean record, and nobody feels awkward about settling up.”
Ifeoma Adeyemi
Lagos, Nigeria
“The polite reminder before the due date is pure gold. My close friend paid me back on the exact date without me ever having to initiate an uncomfortable chat.”
Tunde Oladipo
Abuja, Nigeria
“I shifted my utility bills and airtime top-ups here as well. Having one secure app that manages both peer lending and daily expenses is a game changer.”
Ngozi Eze
Port Harcourt, Nigeria
05 / Common Questions
Questions, answered.
Everything you need to know about peer lending, wallet safety, and regulations.
Yes. VitePay's wallet infrastructure and settlement accounts operate in direct partnership with Central Bank of Nigeria (CBN) licensed and NDIC-insured financial institutions. Your balances are backed by the exact same regulatory safeguards as traditional bank deposits.
Get Started In 2 Minutes
Your money. Your circle. Zero awkwardness.
Join over 20,000+ people across Nigeria using VitePay to track friendly loans, split expenses, and manage everyday bills.
