Buying crypto with naira used to mean P2P on Binance. That route closed in 2024, and the apps that sell you crypto directly now work in different ways. We checked which ones really take naira on 14 October 2026, and how.
The best app to buy crypto with naira shows the exact total before you pay and adds no fee on top. We built Yesa for that: ten coins, zero fees to buy, and you pay by bank transfer or from your Yesa naira balance. Busha and Luno are full exchanges with more coins; on Monica you can buy USDT, and on Breet only USDT and USDC. Binance has had no naira route since 2024.
We build Yesa, so yes, we put ourselves first on this list. For every app we say what it does well and what to watch, and we only state what the app itself publishes, with links so you can check.
Straight from your bank, from a naira balance you hold in the app, or through a merchant. Each one changes how long it takes and what can go wrong.
Some apps publish a fee, some advertise none, some say nothing. The real test is whether the total is on screen before you confirm.
From two stablecoins to more than 70 assets.
What you need to start, where the app publishes it.
Best for: seeing the exact total before you pay, zero fees, and paying straight from your bank.
On Yesa you choose the coin, type the naira amount, and see how much of the coin you get before you confirm. You pay in one of two ways: by bank transfer, where Yesa gives you an account to pay and the exact total, or from your Yesa naira balance if you already hold naira from selling crypto or gift cards. You can buy ten coins: USDT, USDC, Bitcoin, Ethereum, BNB, Solana, TRON, Litecoin, Dogecoin and XRP.
Yesa charges zero fees to buy crypto, to sell crypto and to sell gift cards. The total on screen is what you pay.
Send the exact total from a bank account in your own name. The coin lands in your Yesa wallet a few minutes after your transfer arrives. Nothing is charged until you transfer, and cancelling costs nothing.
The coins you buy can be sold back for naira in the same app, at a rate published on this site every day.
What to watch: Yesa is a buy and cash-out app, not a trading terminal. There are no charts or limit orders, and ten coins is fewer than the exchanges below list.
Best for: the widest coin list from a long-running Nigerian exchange.
Busha is a full exchange that says it lists more than 70 digital assets, with BTC, ETH and USDT among them. You fund your Busha wallet in naira by bank transfer or card, then buy instantly, set a limit order, or schedule recurring buys. On the Play Store it shows 500K+ downloads and a 4.3 rating.
What to watch: we could not find a published buy fee or minimum on its website, so check the total in the app before you confirm. You complete identity verification before you trade.
Sources, checked 14 October 2026: site summary, homepage, Play Store.
Best for: a published buy fee and order-book prices.
Luno lists 61 coins for customers verified in Nigeria. You deposit naira into your Luno wallet by bank transfer, then buy in one of two ways: an instant buy at a published 2% fee, from 50 naira per transaction, or on the naira order book, where the taker fee is 0.10% at most volumes. It is the biggest app here by downloads, with 10M+ and a 3.9 rating on the Play Store.
What to watch: buying is two steps, deposit then buy, and Luno's own help pages quote two different naira deposit fees, so confirm the deposit cost in the app. Bank transfer deposits are only for fully verified customers.
Sources, checked 14 October 2026: fees and limits in Nigeria, bank deposits, Play Store.
Best for: buying USDT from a naira balance, with no fee on the buy.
Monica is mainly a sell app, but it also lets you buy USDT with naira. You top up your Monica naira balance by bank transfer, open the Buy screen, choose USDT and type the naira amount. Its buy page says it charges 0% on the buy, the minimum is 1,000 naira, and you can send the USDT out on TRC-20, ERC-20, BEP-20 or Solana. It shows 100K+ downloads and a 4.6 rating on the Play Store.
What to watch: its buy page covers USDT; other coins are not confirmed there, and card payments are described as still rolling out.
Sources, checked 14 October 2026: buy USDT, Play Store.
Best for: zero advertised fees and more than 20 coins.
Obiex advertises zero fees on buying and selling and lists more than 20 cryptocurrencies, including BTC, ETH, USDT and SOL. You buy with NGNX, its naira balance: you add naira to NGNX, then swap it for the coin you want at the quote shown. It has the highest Play Store rating on this list: 4.8, with 100K+ downloads.
What to watch: the pages we checked do not say how you add naira to NGNX or what it costs, so confirm both in the app before you buy.
Sources, checked 14 October 2026: homepage, buying with NGNX, Play Store.
Best for: stablecoins only, with the naira figure shown first.
Breet lets you buy USDT and USDC with naira. Its buy page says the minimum purchase is 10 dollars and that you see the exact naira amount before you confirm. On the Play Store it shows 500K+ downloads and a 4.6 rating.
What to watch: only two coins, and Breet's buy page does not publish a fee or the ways you can pay.
Sources, checked 14 October 2026: buy crypto, Play Store.
Only what each app publishes about itself. "Not published" means we could not find it on the app's website, help centre or store listing on 14 October 2026.
| App | How you pay in naira | Coins | Buy fee | Minimum |
|---|---|---|---|---|
| Yesa | Bank transfer, or your Yesa naira balance | 10, from USDT and BTC to DOGE and XRP | Zero | Shown on the amount screen |
| Busha | Bank transfer or card into your Busha wallet | 70+ | Not published | Not published |
| Luno | Bank transfer into your Luno wallet, then buy | 61 | 2% instant; 0.10% order book | 50 naira (instant buy) |
| Monica | Bank transfer into your Monica balance, then buy | USDT | 0% (stated) | 1,000 naira |
| Obiex | Its NGNX naira balance, then swap | 20+ | Zero (advertised) | Not published |
| Breet | Not published | USDT and USDC | Not published | 10 dollars |
Guides that rank for this search still recommend some of these. On 14 October 2026, none of them offered a direct way to buy crypto with naira that we could confirm on the app's own pages.
Binance delisted every naira pair on its P2P market in February 2024 and ended its other naira services in March 2024.
Their naira routes are P2P: you pay an individual merchant and the exchange holds the crypto until they confirm. We could not confirm live naira listings for either on 14 October 2026.
Yellow Card closed its retail app on 1 January 2026 and now serves businesses only.
Roqqu publishes a 2% fee to buy, but in dollars, and none of its pages we opened mentions paying in naira. Bitnob's listing says you can buy bitcoin but not that you pay in naira. Pandar only lets you sell crypto.
Selling instead? See the best crypto to naira apps, or our comparisons for USDT and Litecoin. Buying one coin? We have guides for USDT, Bitcoin, Solana and Ethereum.
It depends on what you want to buy and how you want to pay. To see the exact total before you pay, pay zero fees and choose from ten coins, we built Yesa for that. For the widest coin lists, Busha and Luno are full exchanges. On Monica you can buy USDT with no fee on the buy, and on Breet only USDT and USDC. Binance has had no naira route at all since 2024.
Compare the total you pay for the coin you get, not only the headline fee. Yesa charges zero fees to buy crypto. Monica says it charges 0% on the buy and Obiex advertises zero fees. Luno publishes a 2% fee on instant buys and 0.10% on its order book. Busha and Breet do not publish a buy fee. Check the deposit step too: some apps charge to fund the naira wallet you buy from.
Yes. On Yesa you can pay for the coin by bank transfer: you get an account to pay and the exact total, and the coin lands in your Yesa wallet a few minutes after your transfer arrives. You can also pay from your Yesa naira balance. On Busha, Luno and Monica you first fund a naira wallet by bank transfer, then buy.
No. Binance delisted every naira pair on its P2P market in February 2024 and ended its other naira services in March 2024, and it has not announced a return. Binance still works for crypto to crypto trading, but buying with naira needs a local app.
It can work, but you are paying a stranger. On Bybit and KuCoin P2P you send naira to an individual merchant's bank account and the exchange holds the crypto until the merchant confirms. Most problems come from the bank side: a transfer flagged by your bank, or a payment from an account that does not match your name. An app that sells you the coin directly removes that step.
It varies by app. Luno's instant buy starts at 50 naira, Monica's buy at 1,000 naira, and Breet's at 10 dollars. On Yesa the amount screen shows the live minimum and maximum before you start. Busha and Obiex do not publish a minimum.
Yes. Buying, holding and selling cryptocurrency is legal for individuals in Nigeria. Digital assets are recognised under the Investments and Securities Act 2025, and the Securities and Exchange Commission regulates digital asset services. Crypto is not legal tender. This is general information rather than legal or tax advice; the Securities and Exchange Commission and the Central Bank of Nigeria publish the current position.
The Yesa Team. Platform details checked 14 October 2026. Competitor information comes from their own websites, help centres and store listings; store ratings change often. If you spot something out of date, tell us and we will correct it.