How can we help?
Find answers to common questions about your account, transfers, security, and business banking.
SPAY will never ask for your PIN, password, or OTP. Report suspicious activity to security@minjibirmfbng.com.
Account
You can open an account in minutes through our mobile app or website.
Download the SPAY app, provide your BVN or NIN, and complete the
verification process. No paperwork required.
You only need your BVN (Bank Verification Number) or NIN
(National Identification Number). We verify your identity
electronically — no physical documents required.
No. You can open an account with any amount and maintain it at
zero balance if needed.
Transfers
Transfers to other Nigerian banks cost a flat ₦10. Business
accounts get 25 free transfers per month.
Instant. Money sent to other Nigerian banks typically arrives
within seconds. Some banks may take a few minutes during peak hours.
Depends on your account tier. Basic accounts can transfer up to
₦50,000 daily. Fully verified accounts can transfer up to
₦5,000,000 daily.
Security
Yes. We're licensed by the Central Bank of Nigeria and insured
by NDIC up to ₦500,000. We use bank-grade encryption and
biometric authentication to protect your account.
Contact us immediately at support@minjibirmfbng.com or call our
support line. We'll freeze your account to prevent unauthorized
access. Biometric authentication ensures no one else can log in.
Business
Apply through your business account dashboard or contact our
sales team. The terminal is provided free. We offer instant
settlement directly to your account.
Unique account numbers you can create for each client or
transaction. Payments to virtual accounts automatically
reconcile to your main business account, simplifying tracking.
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