3 Best APIs for Bank transfers in Nigeria

We've analyzed and compared the top 3 API providers supporting Bank transfers for Nigerian developers and businesses. Find the right infrastructure fit for your startup below.

Written by Editorial Staffs as at 5th August, 2026

All APIs with Bank transfers

3 of 3 selected

DusuPay API

Pricing: Free sandbox for testing. Production: transaction fees vary by payment method (mobile money typically 2-3%, bank transfer 1-2%).
Mobile money collection: Available
Bank transfers: Available
15-country coverage: Available
Local currency settlement: Available
Instant Loans: Not available
Quick Approval: Not available
Flexible Repayment: Not available
Low Interest Rates: Not available
Credit Scoring: Not available
SMS Notifications: Not available
Mobile App Integration: Not available
Bank Transfers: Not available
Payment Reminders: Not available
Loan History: Not available
Account Management: Not available
API Documentation: Not available
Webhook Support: Not available
KYC Integration: Not available
Real-time Status: Not available
Loan Calculation: Not available
Disbursement API: Not available
Security Features: Not available
Customer Support: Not available
Multi-currency: Not available
Cryptocurrency Trading: Not available
Buy Bitcoin: Not available
Buy Ethereum: Not available
Buy Ripple: Not available
Sell Crypto: Not available
Multi-currency Wallets: Not available
Market Data: Not available
Price Information: Not available
Deposit/Withdraw: Not available
Mobile Money: Not available
Order Management: Not available
Real-time Quotes: Not available
Webhooks: Not available
Sandbox Environment: Not available
Authentication: Not available
Transaction History: Not available

View Details

FairMoney API

Pricing: Commission on loans and services
Mobile money collection: Not available
Bank transfers: Not available
15-country coverage: Not available
Local currency settlement: Not available
Instant Loans: Available
Quick Approval: Available
Flexible Repayment: Available
Low Interest Rates: Available
Credit Scoring: Available
SMS Notifications: Available
Mobile App Integration: Available
Bank Transfers: Available
Payment Reminders: Available
Loan History: Available
Account Management: Available
API Documentation: Available
Webhook Support: Available
KYC Integration: Available
Real-time Status: Available
Loan Calculation: Available
Disbursement API: Available
Security Features: Available
Customer Support: Available
Multi-currency: Available
Cryptocurrency Trading: Not available
Buy Bitcoin: Not available
Buy Ethereum: Not available
Buy Ripple: Not available
Sell Crypto: Not available
Multi-currency Wallets: Not available
Market Data: Not available
Price Information: Not available
Deposit/Withdraw: Not available
Mobile Money: Not available
Order Management: Not available
Real-time Quotes: Not available
Webhooks: Not available
Sandbox Environment: Not available
Authentication: Not available
Transaction History: Not available

View Details

Luno API

Pricing: Trading fees and API usage fees; varies by trading volume
Mobile money collection: Not available
Bank transfers: Not available
15-country coverage: Not available
Local currency settlement: Not available
Instant Loans: Not available
Quick Approval: Not available
Flexible Repayment: Not available
Low Interest Rates: Not available
Credit Scoring: Not available
SMS Notifications: Not available
Mobile App Integration: Not available
Bank Transfers: Available
Payment Reminders: Not available
Loan History: Not available
Account Management: Available
API Documentation: Available
Webhook Support: Not available
KYC Integration: Not available
Real-time Status: Not available
Loan Calculation: Not available
Disbursement API: Not available
Security Features: Available
Customer Support: Not available
Multi-currency: Not available
Cryptocurrency Trading: Available
Buy Bitcoin: Available
Buy Ethereum: Available
Buy Ripple: Available
Sell Crypto: Available
Multi-currency Wallets: Available
Market Data: Available
Price Information: Available
Deposit/Withdraw: Available
Mobile Money: Available
Order Management: Available
Real-time Quotes: Available
Webhooks: Available
Sandbox Environment: Available
Authentication: Available
Transaction History: Available

View Details

← Swipe to compare all 3 APIs →

Feature	DusuPay API	FairMoney API	Luno API
Pricing	Free sandbox for testing. Production: transaction fees vary by payment method (mobile money typically 2-3%, bank transfer 1-2%).	Commission on loans and services	Trading fees and API usage fees; varies by trading volume
Mobile money collection	Available	Not available	Not available
Bank transfers	Available	Not available	Not available
15-country coverage	Available	Not available	Not available
Local currency settlement	Available	Not available	Not available
Instant Loans	Not available	Available	Not available
Quick Approval	Not available	Available	Not available
Flexible Repayment	Not available	Available	Not available
Low Interest Rates	Not available	Available	Not available
Credit Scoring	Not available	Available	Not available
SMS Notifications	Not available	Available	Not available
Mobile App Integration	Not available	Available	Not available
Bank Transfers	Not available	Available	Available
Payment Reminders	Not available	Available	Not available
Loan History	Not available	Available	Not available
Account Management	Not available	Available	Available
API Documentation	Not available	Available	Available
Webhook Support	Not available	Available	Not available
KYC Integration	Not available	Available	Not available
Real-time Status	Not available	Available	Not available
Loan Calculation	Not available	Available	Not available
Disbursement API	Not available	Available	Not available
Security Features	Not available	Available	Available
Customer Support	Not available	Available	Not available
Multi-currency	Not available	Available	Not available
Cryptocurrency Trading	Not available	Not available	Available
Buy Bitcoin	Not available	Not available	Available
Buy Ethereum	Not available	Not available	Available
Buy Ripple	Not available	Not available	Available
Sell Crypto	Not available	Not available	Available
Multi-currency Wallets	Not available	Not available	Available
Market Data	Not available	Not available	Available
Price Information	Not available	Not available	Available
Deposit/Withdraw	Not available	Not available	Available
Mobile Money	Not available	Not available	Available
Order Management	Not available	Not available	Available
Real-time Quotes	Not available	Not available	Available
Webhooks	Not available	Not available	Available
Sandbox Environment	Not available	Not available	Available
Authentication	Not available	Not available	Available
Transaction History	Not available	Not available	Available
	View Details	View Details	View Details

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DusuPay API

DusuPay is a payment gateway built around the operational reality that Africa is not a card-first market. The DusuPay API provides deep regional mobile money connectivity across 15 African countries enabling platforms to accept instant mobile money payments including M-Pesa, MTN Money, Airtel Money, and other regional mobile money services. The API also supports bank transfers and local currency collections with optimized transaction success rates for African payment networks. Nigerian fintech platforms, e-commerce sites, and digital businesses use DusuPay to accept mobile money payments and bank transfers with significantly higher success rates than card-only gateways in emerging African markets.

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FairMoney API

Lending and financial services API for Nigerian consumers and businesses. FairMoney provides APIs for credit assessment, loan origination, and digital lending services. Enables businesses to offer microcredit and financial services to their customers.

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Luno API

Popular global cryptocurrency exchange with strong presence across Africa including Nigeria. Luno provides trading APIs, market data endpoints, and wallet integrations for developers. Good for applications needing crypto trading capabilities and market data integration. Supports both beginner and advanced traders.