Selling crypto for naira, and buying it with naira, no longer means a stranger on P2P. Binance has no naira market, two big names closed to individuals, and the apps that remain work in very different ways. We checked nine of them on 12 October 2026, on the things that actually differ.
The best crypto to naira app is the one that shows your final naira figure before you sell and pays your bank fast. We built Yesa for that: zero fees to sell or buy crypto, and a measured 4.7 second median bank payout. For automatic conversion, look at Breet, Monica or Spenda; for limit orders, Busha, Luno or Obiex. Binance P2P, Yellow Card and Paxful no longer serve Nigerian individuals.
We build Yesa, so yes, we put ourselves first on this list. Most lists like this are written by one of the apps on them; few say so. We think a comparison you can check is worth more than a ranking you have to trust, so for every app we say what it does well and what to watch, and we only state what the app itself publishes. Our own numbers are measured from live transactions.
Rates and fee lines differ from app to app. The real test is whether the final naira figure is on screen before you sell.
Some apps pay your bank. Most credit an in-app wallet and leave the withdrawal, and its fee, as a second step.
Most apps quote a time. We looked for anyone who publishes measurements behind it.
Whether you can buy crypto with the naira you hold, how you pay, and what it costs.
Best for: seeing the exact figure before you sell or buy, zero fees both ways, and getting paid in seconds.
Yesa is built around one idea: the figure on your screen is the figure you get. To sell, you send crypto to your own Yesa address, sell at the naira amount shown, and withdraw to any Nigerian bank. Nothing converts until you press sell. To buy, you type a naira amount, see how much of the coin it buys, and pay from your Yesa balance or by bank transfer. You can sell USDT, BTC, ETH, SOL, BNB, USDC, LTC and TRX, and buy those plus DOGE and XRP.
Across 1,700 measured bank payouts, the median time was 4.7 seconds. As far as we can find, no other app on this list publishes measured payout data. These are historical measurements, not guarantees.
Yesa charges zero fees to sell crypto, to buy crypto and to sell gift cards. The figure on screen is what you get.
What to watch: Yesa is a cash-out and buy app, not a trading terminal. There are no charts or limit orders, and we are smaller than the exchanges below. If you want conversion to happen by itself, the automatic apps on this list fit better; on Yesa the sale is a step you take.
Best for: conversion that happens without pressing sell.
Breet converts automatically: you send crypto to your Breet address and it becomes naira at the prevailing rate, with no sell button involved. It lists more than 20 coins, including BTC, ETH, SOL, BNB, LTC, TRX, USDT and USDC. By default the naira sits in your Breet wallet; an optional setting, Automatic Settlement, sends it on to your bank after every transaction.
Breet publishes its numbers, which we respect. Its USDT page lists a selling fee of 1.5% up to $999, 1% from $1,000 to $4,999 and 0.5% from $5,000 up, and its help centre lists a ₦50 withdrawal fee and says to expect funds in your bank within 5 minutes. You can buy USDT and USDC from the naira wallet. On the Play Store it shows 500K+ downloads and a 4.6 rating.
What to watch: automatic conversion means you accept whatever the rate is when your deposit confirms. There is no step where you review the final figure first.
Sources, checked 12 October 2026: sell fees, withdrawals and speed, Automatic Settlement, coins, Play Store.
Best for: limit orders and recurring buys on a full exchange.
Busha is a full exchange listing more than 70 assets. You sell from the Trade tab, instantly or with a limit order that waits for your price, and you can buy by bank transfer or card, including recurring buys. It shows 500K+ downloads and a 4.3 rating on the Play Store.
What to watch: selling and getting naira to your bank are separate steps, and we could not find a published naira withdrawal fee or bank payout time on its help pages. Check both in the app before you sell.
Sources, checked 12 October 2026: buying and selling, Play Store.
Best for: order-book pricing on a large, long-running exchange.
Luno gives you two ways to sell: Instant Sell at a published 2% fee, or the naira order book at a 0.10% taker fee for USDT and USDC. Instant sell covers more than 60 coins. You can buy after a bank transfer deposit. It is the biggest app here by downloads, with 10M+ and a 3.9 rating on the Play Store.
What to watch: speed and the withdrawal fee. Luno's help centre says a naira withdrawal generally takes 6 to 12 hours to reach your bank, and its pages quote more than one withdrawal fee, so confirm the amount in the app.
Sources, checked 12 October 2026: fees in Nigeria, naira withdrawals, Play Store.
Best for: automatic conversion with no fee advertised.
Monica converts on arrival and advertises zero transaction and withdrawal fees. It accepts BTC, USDT, USDC, ETH, SOL, BNB and TRX, with USDT on TRC-20, ERC-20, BEP-20, Solana and Base, and you can buy after a bank transfer top-up. On the Play Store it shows 100K+ downloads and a 4.5 rating.
What to watch: its own pages disagree on where the naira lands. The homepage says your bank within 60 seconds; its sell guide says your Monica balance, then you withdraw. The speed is a claim, not published measurements.
Sources, checked 12 October 2026: homepage, sell guide, buy guide, Play Store.
Best for: an established all-rounder with a lot of coins.
Roqqu has operated in Nigeria for years and lists more than 100 cryptocurrencies. It now publishes its fees: 2% to buy, sell and swap, with no fee to deposit or withdraw naira, and its store listing says withdrawals are processed within 30 minutes. It shows 1M+ downloads and a 4.3 rating on the Play Store.
What to watch: 2% is the highest published sale fee on this list, and its supported USDT networks are not published, so check the deposit screen before you send.
Sources, checked 12 October 2026: fees, Play Store.
Best for: automatic conversion straight into a naira wallet.
Spenda converts crypto to naira automatically before it lands in your Spenda wallet, then offers instant transfers to any bank. It does not hold crypto for you. You can send USDT or USDC out from your naira balance. It shows 100K+ downloads and a 4.6 rating from more than 8,000 Play Store reviews.
What to watch: supported coins, networks and fees are not published on its website, so confirm them in the app before you send anything.
Sources, checked 12 October 2026: crypto deposits, FAQ, Play Store.
Best for: the widest coin list and the highest store rating here.
Obiex lists about 26 coins, from BTC and ETH to SOL, TON and DOGE, with USDT on seven networks. You sell by instant swap or limit order and it advertises zero fees on buying and selling. You can buy after depositing naira from your bank. It has the highest Play Store rating on this list: 4.8, with 100K+ downloads.
What to watch: the naira lands in its naira wallet first, with a published 53.75 naira fee and a 1,000 naira minimum to withdraw, and it does not publish a payout time.
Sources, checked 12 October 2026: fees, naira withdrawals, Play Store.
Best for: a simple sell button and low published withdrawal fees.
On Pandar you deposit, press Sell Crypto, and the naira lands in your Pandar wallet. It charges no fee on the sale and lists withdrawal fees of ₦100 up to ₦50,000 and ₦150 above. It shows 100K+ downloads and a 4.5 rating on the Play Store.
What to watch: its own pages disagree on which coins it supports (five in its help centre, six on Play), USDT networks are not published, you cannot send crypto out, and we found no current way to buy crypto with naira.
Sources, checked 12 October 2026: withdrawal fees, fees, how selling works, 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 12 October 2026.
| App | How the sale works | Where the naira lands | Bank payout speed | Fee on the sale | Buy with naira |
|---|---|---|---|---|---|
| Yesa | You press sell at the rate on screen | Yesa balance, then any bank | Median 4.7 seconds (measured) | Zero | Yes, zero fees: balance or bank transfer |
| Breet | Automatic on deposit | Breet wallet; bank if Automatic Settlement is on | Within 5 minutes (stated) | 1.5% to 0.5% by size | USDT and USDC only |
| Busha | Instant sell or limit order | Busha wallet, then withdraw | Not published | Not published | Yes: bank transfer or card |
| Luno | Instant Sell or order book | Luno naira wallet, then withdraw | 6 to 12 hours (stated) | 2% instant; 0.10% taker | Yes, after a bank deposit |
| Monica | Automatic on deposit | Its pages disagree: bank or Monica balance | Under 60 seconds (claimed) | Zero (advertised) | Yes, after a bank top-up |
| Roqqu | You sell in the app | Roqqu wallet, then withdraw | Within 30 minutes (stated) | 2% | Yes |
| Spenda | Automatic on deposit | Spenda wallet, then bank | Seconds (claimed) | Not published | Send USDT or USDC out only |
| Obiex | Swap or limit order | Naira wallet, then withdraw | Not published | Zero (advertised) | Yes, after a naira deposit |
| Pandar | You press sell | Pandar wallet, then withdraw | Instant (claimed) | None on the sale | Not clear on its site |
Several guides that rank well for this search have not been updated. If a list recommends any of these for turning crypto into naira, it is out of date.
Binance discontinued all naira services in March 2024. On 12 October 2026 the naira was still absent from its P2P currency list.
Yellow Card discontinued its retail app to serve businesses only. The last day to withdraw through the app was 31 December 2025.
Paxful closed on 1 November 2025. It still appears in lists published this year.
Looking for one coin? We have deeper comparisons for USDT and Litecoin, and a list of every coin and network Yesa supports.
This is the framework as it stands, stated plainly. It is general information, not legal advice.
The Investments and Securities Act 2025, signed in March 2025, recognises digital assets as securities and places exchanges and other virtual asset service providers under the Securities and Exchange Commission.
The SEC admits firms through its Accelerated Regulatory Incubation Programme: an initial assessment, then an approval in principle, then full registration. In the SEC's words an approval in principle "is not a final licence".
An Executive Order of July 2026 set up a Virtual Asset Council, chaired by the Central Bank, to coordinate the regulators. Central Bank guidelines from December 2023 already allow banks to open accounts for SEC-licensed providers.
It depends on what you value. For the exact naira figure on screen before you sell, zero fees to sell or buy, and a bank payout measured in seconds, we built Yesa for precisely that. For conversion that happens by itself the moment your deposit lands, Breet, Monica or Spenda. For limit orders on a full exchange, Busha, Luno or Obiex. The wrong answers in 2026 are Binance P2P, which has no naira market, and Yellow Card and Paxful, which no longer serve Nigerian individuals.
Compare the final naira figure, not the headline fee. Yesa charges zero fees to sell crypto, to buy crypto and to sell gift cards. Monica, Obiex and Pandar also advertise no fee on the sale, while Breet, Luno and Roqqu publish percentage fees. Then check the second step: on most apps the naira lands in an in-app wallet first, and some charge to withdraw it to your bank.
On most of them, yes, but the routes differ. On Yesa you pay from your naira balance or by bank transfer, see how much of the coin you get before you confirm, and pay zero fees; ten coins are available. Busha takes bank transfer or card, Luno and Monica take a bank transfer first, Obiex takes a naira deposit, and Breet and Spenda only let you send USDT or USDC out from a naira balance.
No. Binance discontinued all naira services in March 2024, and on 12 October 2026 the naira was still absent from its P2P currency list. Binance works for crypto-to-crypto trading, but turning crypto into money in a Nigerian bank needs a local app or a P2P market that still lists the naira.
It varies, and almost every figure you will read is a claim rather than a measurement. On Yesa, bank payouts have a measured median of 4.7 seconds across 1,700 payouts. Other apps in this comparison state anything from seconds to 6 to 12 hours, and several publish nothing. The on-chain part, your coin reaching the app, comes first and depends on the coin and network you send on.
Four habits matter more than the app you pick. See the final naira figure on screen before you confirm. Send only on a network the deposit screen lists, and send a small test amount the first time. Install apps only from the official store listing, never from a link in a message. And if you do not want to deal with a stranger's bank transfer, use an app that buys your crypto directly instead of a P2P market.
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, and profits from trading may be taxable, so keep your own records. 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 12 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.