Activation
Rent beta
Accounts
?
Country selection for Telegram
All countries
Top countries icon-sort-name
Quantity icon-sort-count
Price icon-sort-price
icon
Chile
940 qty
icon
Morocco
2851 qty
icon
Thailand
28023 qty
icon
Uzbekistan
104208 qty
icon
United Kingdom
154166 qty
icon
Japan
250 qty
icon
Nepal
7774 qty
icon
Mexico
11414 qty
icon
Sweden
402 qty
icon
Jordan
5462 qty
icon
Swaziland
38 qty
icon
Algeria
25020 qty
icon
Mauritania
582 qty
icon
Cape Verde
625 qty
icon
Oman
1184 qty
icon
Romania
27599 qty
icon
Spain
26124 qty
icon
Bahrain
421 qty
icon
Afghanistan
21696 qty
icon
Hungary
19 qty
icon
Seychelles
358 qty
icon
Kyrgyzstan
680 qty
icon
Zambia
2462 qty
icon
South Sudan
few
icon
Albania
789 qty
icon
Aruba
15 qty
icon
Trinidad and Tobago
5408 qty
icon
Brunei Darussalam
92 qty
icon
Jamaica
16402 qty
icon
Kazakhstan
68113 qty
icon
Portugal
26128 qty
icon
Kuwait
7803 qty
icon
Armenia
817 qty
Available only by API
icon
Botswana
25808 qty
icon
Moldova
25006 qty
icon
Turkey
818 qty
icon
Macao
1361 qty
icon
Panama
22341 qty
icon
Honduras
809 qty
icon
Belize
436 qty
icon
Paraguay
13418 qty
icon
Lithuania
26113 qty
icon
Saint Lucia
202 qty
icon
Azerbaijan
840 qty
icon
Papua new gvineya
7021 qty
icon
Saint Vincent
few
icon
Switzerland
517 qty
icon
Grenada
417 qty
icon
Turkmenistan
2166 qty
Available only by API
icon
United Arab Emirates
5769 qty
icon
Guyana
1270 qty
icon
Cameroon
191 qty
icon
Belarus
1481 qty
icon
Bulgaria
25021 qty
icon
Barbados
1190 qty
icon
Hong Kong
26943 qty
icon
Nicaragua
2147 qty
icon
Slovenia
26675 qty
icon
Georgia
3154 qty
icon
India
25916 qty
icon
Colombia
10951 qty
icon
Bangladesh
978 qty
icon
Pakistan
25938 qty
icon
Qatar
6085 qty
icon
Somalia
885 qty
icon
Ecuador
20176 qty
icon
Malawi
9032 qty
icon
Tunisia
23075 qty
icon
Kenya
47588 qty
icon
Bolivia
25027 qty
icon
Iraq
923 qty
icon
Burundi
26448 qty
icon
Tajikistan
27398 qty
icon
Austria
59948 qty
icon
DR Congo
1525 qty
icon
Indonesia
14574 qty
icon
Sierra Leone
26781 qty
icon
South Africa
5304 qty
icon
Libya
885 qty
icon
Mali
1046 qty
icon
Senegal
928 qty
icon
Angola
1123 qty
icon
Tanzania
910 qty
icon
Argentina
3044 qty
icon
USA
53845 qty
icon
Netherlands
31405 qty
Available only by API
icon
Myanmar
1094 qty
icon
France
1715 qty
icon
Lebanon
866 qty
icon
Canada
75689 qty
icon
Niger
149 qty
icon
Vietnam
3028 qty
icon
Dominica
few
icon
Gabon
26025 qty
icon
Ukraine
1339 qty
icon
Germany
2383 qty
icon
Timor-Leste
917 qty
icon
Yemen
1564 qty
icon
Australia
2279 qty
icon
Liberia
25927 qty
icon
Peru
315678 qty
icon
Burkina Faso
25005 qty
icon
Sri Lanka
828 qty
icon
Lao People`s
27528 qty
icon
Malaysia
3663 qty
icon
Nigeria
725 qty
icon
Cambodia
27273 qty
icon
Egypt
1939 qty
icon
Mongolia
25958 qty
icon
Chad
22134 qty
icon
Israel
3255 qty
icon
Philippines
2339 qty
icon
Uganda
1342 qty
icon
Gambia
26349 qty
icon
Zimbabwe
3087 qty
icon
American Samoa
few
icon
Anguilla
few
icon
Antigua and Barbuda
98 qty
icon
Bahamas
215 qty
icon
Belgium
71 qty
icon
Benin
11537 qty
icon
Bermuda
few
icon
Bhutan
few
icon
Bosnia and Herzegovina
605 qty
icon
Brazil
556542 qty
icon
Cayman islands
506 qty
icon
Central African Republic
33 qty
icon
China
375 qty
icon
Comoros
837 qty
icon
Costa Rica
263 qty
icon
Croatia
26042 qty
icon
Cuba
few
icon
Cyprus
28797 qty
icon
Czech Republic
28644 qty
icon
Denmark
3465 qty
icon
Djibouti
few
icon
Dominican Republic
933 qty
icon
Equatorial Guinea
13239 qty
icon
Eritrea
849 qty
icon
Estonia
6493 qty
icon
Ethiopia
715 qty
icon
Finland
1497 qty
icon
French Guiana
few
icon
Ghana
1101 qty
icon
Gibraltar
few
icon
Greece
115 qty
icon
Guadeloupe
703 qty
icon
Guatemala
26025 qty
icon
Guinea
1724 qty
icon
Guinea-Bissau
25008 qty
icon
Haiti
1332 qty
icon
Iceland
17 qty
icon
Ireland
617 qty
icon
Italy
icon
Ivory Coast
1410 qty
icon
Kosovo
51 qty
icon
Latvia
26569 qty
icon
Lesotho
25800 qty
icon
Luxembourg
15471 qty
icon
Madagascar
17 qty
icon
Maldives
25954 qty
icon
Mauritius
25817 qty
icon
Monaco
616 qty
icon
Montenegro
52 qty
icon
Montserrat
few
icon
Mozambique
25920 qty
icon
Nambia
3952 qty
icon
New Caledonia
few
icon
New Zealand
1994 qty
icon
Niue
997 qty
icon
North Macedonia
19 qty
icon
Norway
504 qty
icon
Poland
27868 qty
icon
Puerto Rico
15 qty
icon
Republic of the Congo
690 qty
icon
Reunion
few
icon
Rwanda
26092 qty
icon
Saint Kitts and Nevis
1476 qty
icon
Salvador
25003 qty
icon
Samoa
few
icon
Sao Tome and Principe
2846 qty
icon
Saudi Arabia
1413 qty
icon
Serbia
19589 qty
icon
Slovakia
24873 qty
icon
Suriname
4407 qty
icon
Syria
few
icon
Taiwan
54 qty
icon
Togo
28291 qty
icon
Tonga
few
icon
USA (2)
20020 qty
icon
Uruguay
5613 qty
icon
Venezuela
81 qty

PalmPay vs MiniPay 2025: Which Mobile Wallet Wins for Nigerians?

In a country where airtime is king and POS terminals stand on every street corner, digital wallets have become more than financial tools — they’re part of daily survival. Whether you’re sending money, paying bills, or topping up in traffic, mobile wallets like PalmPay and MiniPay are transforming how Nigeria moves money.

But in 2025, with more users going digital than ever, the question is clear: Which wallet is better, PalmPay or MiniPay?

Let’s compare them where it counts — speed, features, fees, and user experience.

Account Creation: No Phone Number Needed? It’s Possible

You might be surprised to learn that some wallets — including those reviewed in this article — allow users to register without a personal phone number using temporary SMS services Grizzly SMS. It’s a useful trick if you're testing platforms, avoiding spam, or just trying to stay private.

Temporary number for MiniPay

MiniPay Features 2025 – Simplicity Meets Speed

MiniPay, launched by Opera, focuses on lightweight, stablecoin-based payments. Its killer feature? Speed. Transactions with cUSD settle almost instantly and cost virtually nothing.

Key advantages:

  • Built into Opera Mini browser
  • Works offline-friendly for low-data users
  • Near-zero fees with stablecoins
  • Focused on user privacy and low entry barriers

But MiniPay lacks a full suite of features: no bill payment, airtime recharge, or savings tools (yet). It’s a payment-focused solution — not a full digital bank.

PalmPay Benefits Nigeria – All-in-One Powerhouse

PalmPay plays a different game. It positions itself as the Nigerian fintech "super app" with deep service integration:

What it does best:

  • Bill payments, airtime, TV, electricity
  • Loan offerings and cashback rewards
  • QR payment, merchant POS, and business accounts
  • Frequent promos, giveaways, and loyalty programs

PalmPay is less focused on crypto or stablecoin use. Instead, it thrives on partnerships with telcos and local merchants — making it more “mainstream.”

MiniPay vs PalmPay Fees – Who’s Cheaper?

  • MiniPay: Most transfers (via cUSD) are nearly free. You're only paying blockchain gas fees, which are fractions of a cent. Great for microtransactions.
  • PalmPay: Local transfers may be free with bonuses, but after promo periods, charges can apply for bank or POS operations. Still affordable, but variable.

If you care strictly about cost per transaction, MiniPay wins. But PalmPay counters with rewards and cashback that often cancel out small fees.

Mobile Payment Apps Nigeria – User Experience

PalmPay

  • Visually busy, but intuitive
  • Feature-rich, best for multitaskers
  • Can feel overwhelming to new users

MiniPay

  • Ultra-simple interface
  • Limited actions = faster learning curve
  • Best for quick send/receive use cases

In short, MiniPay is like a bicycle: direct and efficient. PalmPay is like a bus — bigger, heavier, but more destinations.

Which Wallet Is Better: PalmPay or MiniPay?

The honest answer? It depends on your lifestyle.

  • Choose MiniPay if you prioritize low-fee, cross-border, or stablecoin payments — especially if you're already using Opera Mini.
  • Choose PalmPay if you want an all-in-one app with rewards, bill pay, and daily local use.

Or better yet — use both. Many Nigerians do.

FAQ
Can I register on PalmPay or MiniPay without my real phone number?
Yes, services like Grizzly SMS allow you to use a temporary number to register, which can help with privacy or OTP issues.
Which wallet is more suitable for sending money abroad?
MiniPay, thanks to its stablecoin infrastructure, offers faster and cheaper international payments than PalmPay.
Does PalmPay offer cashback or rewards?
Yes, PalmPay frequently runs promotions with cashbacks, free airtime, and other rewards for transactions and referrals.
Are both wallets safe to use in Nigeria?
Both are secure when used correctly. Always enable PIN, biometric locks, and avoid sharing login information with others.
Add a comment
Comments 0