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Zuma › Markets › Nigeria
🇳🇬 Live now

Zuma in Nigeria

Africa’s largest consumer market and its most competitive fintech arena — where the incumbents are payment-led and no one has assembled the full service stack.

28
services live
8
cities mapped
NGN
local pricing
223.8M
people

How you pay in Nigeria

Everything is priced in NGN (₦). No foreign card required.

OPay PalmPay Moniepoint Bank transfer Card USSD

Payments in this market fall under Central Bank of Nigeria (CBN). See our licensing status →

Cities

Lagos Kano Abuja ★ Ibadan Port Harcourt Benin City Kaduna Enugu

★ capital

Rollout position

Nigeria is in tier 0 of Zuma's continental rollout, in the south & west wave.

Content served in: EN, HA, YO, IG

Live in Nigeria today

Every one of these is bookable right now, paid for in NGN.

🚗
Zuma Ride Cars, bodas, tuk-tuks and XL — quoted up front, matched in seconds.
🤝
Zuma Culture Zuma Aid — support a cause, fund a project, lift a community.
💳
Zuma Pay Receive, send and save money. Deposit from mobile money or bank, cash out to mobile money or bank — with a PIN, limits and a full ledger.
🏦
Zuma Loans Borrow from verified lenders on Zuma or from the Zuma Escrow pool — scored, scheduled, repaid from your wallet.
🛍️
Zuma Commerce The everything marketplace, with the wallet and the courier already attached.
🌾
Zuma Agriculture From input to offtake, with credit and logistics in the same app.
🚙
Zuma Automotives Buy it, sell it, value it, fix it — the whole life of a vehicle.
🍗
Zuma Eats Restaurants, fast food, street food, drinks and outside catering — delivered or on the table.
📦
Zuma Delivery Parcels, food, groceries and errands — tracked door to door.
🚚
Zuma Logistics Freight, customs and warehousing at business scale.
🏠
Zuma Housing Rent a place without paying a viewing fee to a stranger.
🏢
Zuma Real Estate Buy land and property with the title checked before you pay.
🛋️
Zuma Living Everything between signing the lease and feeling at home.
🔧
Zuma Handy Men Skilled trades, vetted, priced before they arrive.
🧹
Zuma House Helps Domestic staff, background-checked and fairly paid.
⚖️
Zuma Professionals Licensed professionals, with the licence actually checked.
📊
Zuma Consultants Project-based expertise for businesses and institutions.
🎨
Zuma Freelance Digital and creative talent, paid without losing 30% to transfer fees.
💼
Zuma Jobs Real vacancies, no application fees, ever.
💊
Zuma Pharmacy Licensed pharmacies, real prescriptions, delivered discreetly.
🏨
Zuma Hotels Every kind of stay, bookable in local currency.
🗺️
Zuma Tourism What to do once you have landed.
🦁
Zuma Safaris Africa’s highest-value travel product, booked direct from the source.
✈️
Zuma Flights Schedules, status and routes — the information layer.
🎟️
Zuma Events Tickets that cannot be forged and money that reaches the organiser.
🎭
Zuma Theater The stage — plays, dance, spoken word and live performance.
🎬
Zuma Film Cinema showtimes and seats, without the queue.
📺
Zuma TV African stories, streamed and monetised locally.

Coming to Nigeria

Built and running elsewhere, waiting on verified local supply here.

🚑Zuma Ambulance 🚌Zuma Bus 📊Zuma Budget 🤝Zuma Lenders 🔨Zuma Auctions ☁️Zuma Cloud 🏥Zuma Health 📺Zuma Play 🏛️Zuma Gov & Edu

Who else operates in Nigeria

An honest read of the market. Each of these does something well; none of them does all of it.

OPay 40M+ users

Payment-led super app with the deepest agent network in Nigeria.

Where Zuma differs: Zuma matches the payment rails and adds 30+ service verticals OPay does not operate.

PalmPay 35M+ users

Consumer wallet competing hard on transfer pricing.

Where Zuma differs: Zuma’s wallet is one module of a full service stack, not the whole product.

Moniepoint 10M+ users

Merchant acquiring and business banking at scale.

Where Zuma differs: Zuma Pay covers acceptance, then brings the merchant demand from 30+ consumer modules.

Chowdeck 1M+ users

Fast-growing Nigerian food delivery.

Where Zuma differs: Zuma Food matches the delivery product and adds dine-in, ticketing, rides and payments on the same account.

Jumia 8M+ users

The continent’s largest e-commerce marketplace.

Where Zuma differs: Zuma Commerce shares one wallet and one courier fleet with 30+ other modules.

Nearby markets

🇬🇭Ghana 🇧🇯Benin 🇨🇮Côte d’Ivoire 🇸🇳Senegal 🇹🇬Togo 🇧🇫Burkina Faso 🇨🇻Cabo Verde 🇬🇲Gambia