Personal Finance & Wallets

account_balance_walletTREDES Personal

Send money, receive money, pay bills and purchase airtime and data through your TREDES digital wallet.

Young African professional enjoying seamless digital payments on smartphone

Everyday Financial Freedom

Joyful woman holding her phone after an instant money transfer

Unyielding Transfer Reliability

When you hit 'Send', you shouldn't have to hold your breath. Our transfer infrastructure connects directly to the heaviest payment rails to ensure 99.9% uptime. Send locally or to any bank instantly.

✓ Zero-fee transfers to other TREDES users
✓ Instant confirmation receipts
✓ Intelligent recipient saved lists

Woman in glasses holding her phone, paying with her TREDES card

Virtual & Physical Cards

Spend your funds wherever MasterCard or Visa is accepted online. Generate virtual dollar cards to pay for international subscriptions like Netflix, Spotify, or AWS without jumping through hoops.

✓ Generate a virtual card in 60 seconds
✓ Highly competitive FX rates
✓ Freeze, unfreeze, or terminate from the app

Cheerful man smiling at his phone after an instant loan lands in his wallet

Instant Personal Loans

Life comes with emergencies. Get access to collateral-free micro-loans disbursed directly into your wallet in seconds. We use app usage and transaction history to build your credit limit safely.

✓ No paperwork, no guarantors, no branch visits
✓ Transparent, flat interest rates
✓ Limits automatically increase with good repayment acts

Phone surrounded by Nigerian airtime, data, TV and electricity biller logos

All Your Bills In One Place

Buy airtime, subscribe to data bundles, pay electricity bills, fund your betting wallets, or pay for cable TV. Do it all without navigating away from the TREDES app.