PAPSS in Nigeria: Participating Banks & How to Send Money
PAPSS lets you send money from Nigeria to other African countries in NGN — your bank converts to the recipient's local currency at settlement. 19 Nigeria banks are participants as of June 2026, accessible via app, branch, internet banking, or USSD depending on the bank.
Founding member; CBN Direct Participant.
Nigeria banks live on PAPSS (19)
| Bank | Channels | App / USSD |
|---|---|---|
First Bank of Nigeria Tier 1; broadest corridor support. | app + internet banking + branch | FirstMobile |
Access Bank Multi-channel access; *901# for low-data routes. | app + internet banking + branch + USSD | AccessMore *901# |
United Bank for Africa UBA Group has corresponding entities in Ghana, Kenya, Cameroon and elsewhere — same-group corridors are smoothest. | app + internet banking + branch | LEO *919# |
Zenith Bank Same-group sister entity in Ghana enables cleaner intra-Zenith corridor settlement. | app + internet banking + branch | Zenith Mobile *966# |
Stanbic IBTC Bank Standard Bank group presence in Ghana, Kenya, Zambia. | app + internet banking + branch | Stanbic IBTC Mobile |
Sterling Bank | app + internet banking + branch | SterlingPro |
Wema Bank ALAT digital bank runs on the same PAPSS rail as Wema. | app + internet banking + branch | ALAT *945# |
Fidelity Bank | app + internet banking + branch | Fidelity Mobile |
Keystone Bank | app + internet banking + branch | Keystone Mobile |
Union Bank of Nigeria | app + internet banking + branch | UnionMobile |
Polaris Bank | app + internet banking + branch | VULTe |
Providus Bank | internet banking + branch | — |
Jaiz Bank Non-interest (Islamic) banking option. | internet banking + branch | — |
Lotus Bank Non-interest (Islamic) banking option. | app + branch | Lotus Mobile |
Optimus Bank | app + branch | — |
Coronation Merchant Bank Merchant bank; corporate corridors only. | internet banking + branch | — |
Parallax Bank | app + branch | — |
Taj Bank Non-interest (Islamic) banking option. | internet banking + branch | — |
FSDH Merchant Bank Merchant bank; corporate corridors only. | internet banking + branch | — |
How to send from Nigeria in practice
In Nigeria, access depends on your bank. The most-used apps for PAPSS: AccessMore (Access Bank), LEO (UBA), Zenith Mobile (Zenith Bank), ALAT (Wema), SterlingPro (Sterling), FirstMobile (First Bank). Branches of 19+ banks also handle PAPSS transfers.
Nigeria-specific reality: CBN documentation (FX Manual) applies above the monthly thresholds (USD 2,000 / 5,000). On the Nigeria → Ghana corridor, the per-transaction cap is ~GHS 10,000 — see the corridor page. Some Nigerian flows credit T+1 rather than instantly, especially on first transfers.