We’ve all been there, trying to top up ₦1,000 airtime, but oops… your finger slips and you accidentally recharge ₦10,000. Now you’re stuck with more airtime than you need and no quick way to undo it. You start asking, “Who wants to buy airtime?” like a street hawker.
But what if we told you that selling airtime for cash is no longer a stressful hustle? There are legit apps in Nigeria that let you convert airtime to cash directly into your bank account, in few minutes!
Average Payout Rates of Airtime to Cash Apps in Nigeria
Top 10 Apps to Convert Airtime to Cash in Nigeria
Here’s a roundup of the top 10 best apps to convert airtime to cash in Nigeria. These apps work with all major networks—MTN, Airtel, Glo, and 9Mobile.
1. Recharge2Cash
Just like the name says, Recharge2Cash helps you convert your excess airtime into cash instantly. You can do this easily through their mobile app.
How it works:
- Download the Recharge2Cash app.
- Sign up with your details (you’ll need your bank account and BVN).
- Go to “Airtime to Cash”, choose your network, input the amount, and phone number.
- Use *321# to transfer the airtime to the provided number.
- Click “Convert Airtime” on the app, and get credited in 5–10 minutes.
Charges:
- MTN: 20%
- 9Mobile: 25%
- Airtel & Glo: 35%
2. PalmPay
You probably know PalmPay for bills and transfers, but did you know it now lets you convert airtime to cash via the Recharge2Cash feature, right?
How it works:
- Open your PalmPay app and tap “Recharge2Cash”.
- Choose your network and verify with the OTP sent to your phone.
- Enter the airtime amount and confirm the fee (12%).
- You’ll get your cash in minutes, directly into your PalmPay wallet.
Limits: ₦50 to ₦5000 per transaction.
READ MORE: Who Owns PalmPay - Everything to Know
3. Prestmit
Prestmit is another go-to platform for selling airtime for cash. It also supports gift cards and crypto trading.
How it works:
- Download and register on the Prestmit app.
- Tap “Sell Airtime”, pick your network, enter the amount.
- Transfer airtime to the number provided via *321#.
- Upload a screenshot as proof and get paid in minutes.
Charges: From 20%, depending on the network.
4. AirtimeFlip
If you’re an MTN user, AirtimeFlip might be your best bet with a relatively lower fee.
How it works:
- Sign up at airtimeflip.com.
- Choose “Convert Airtime” and enter details.
- Send the airtime using *321# and upload proof.
- Get cash in your wallet in 5–30 minutes.
Charges:
- MTN: 19%
- Glo, Airtel, 9Mobile: Higher
- ₦50 withdrawal charge applies.
5. Zoranga
Zoranga supports MTN and 9Mobile airtime-to-cash conversions. It’s simple and web-based.
How it works:
- Sign up on zoranga.com.
- Click “Deposit Money” → Choose your network → Enter amount.
- Send airtime to the number provided.
- Use “Transfer Money” to send to your bank account.
Charges: 22%–32%, depending on the network.
6. Aimtoget
Aimtoget is a fast, reliable option with a decent conversion rate.
How it works:
- Download the app or use the website.
- Register, then go to the airtime-to-cash section.
- Transfer airtime as instructed.
- You’ll get 75% of the value; Aimtoget takes 25%.
Bonus: You can also buy data, pay bills, and even accept airtime as payment if you’re a business.
7. GoSub
GoSub is known for lightning-fast airtime-to-cash conversions—often under 5 minutes!
Features:
- Converts all networks
- Supports bill payment and data subscriptions
- Simple and quick process via their website
Perfect if you need your cash ASAP.
8. CheetahPay
CheetahPay makes the conversion process easy and beginner-friendly.
How it works:
- Sign up and log in
- Click “Deposit”, select Airtime Pin or Airtime Transfer
- Fill in details and send the airtime
- Balance updates in 2–5 minutes
- Request withdrawal to bank
A full conversion takes just about 10 minutes total.
9. Eazymobile
With Eazymobile, you can not only convert airtime to cash but also:
- Trade Bitcoin
- Pay electricity/TV bills
- Send bulk SMS
How it works:
- Register on the app
- Navigate to airtime-to-cash
- Follow 5 easy steps to complete conversion
- Rates vary with the market—no overcharges
A solid all-in-one platform for digital payments.
10. Modelc
Modelc has been around for a while and is known for being a reliable platform to convert airtime to cash. You can use it to convert airtime, pay bills, and even trade Bitcoin.
Perks:
- Strong affiliate system—you can earn up to ₦5,750 per referral!
- Active support team for complaints
- Works via app and web
Great if you’re planning to monetize referrals.
BONUS:
11. iPayAirtime
iPayAirtime lets you:
- Convert airtime to cash
- Use airtime to shop online
- Accept airtime as payment via their API
Charges: 18% for MTN (no signup fee)
This one is perfect for small businesses or developers who want airtime payment options.
How to Transfer Airtime (Airtime Transfer Code)
| Network | Transfer | Change or Create PIN |
|---|---|---|
| MTN | *321* Receiver Phone Number * Amount * PIN# | *321*1# Default PIN: 0000 Note: Do not leave spaces when typing USSD Code Limit: ₦5k max per trans. / ₦50k max per day |
| Glo | *131* Receiver Phone Number * Amount * PIN# | *132* Default or Old PIN * New PIN * New PIN# Default PIN: 00000 Note: Do not leave spaces when typing USSD Code Limit: ₦1k max per trans. / usually ₦5k max per day or over 200k depending on your SIM |
| Airtel | *432*1* Receiver Phone Number * Amount * PIN# | Send-> “Default_OR_Old PIN New_PIN” to 432 Default PIN: 1234 Note: Do not leave spaces when typing USSD Code Limit: ₦20k per trans / day |
| 9mobile | *223* PIN * Amount * Receiver Phone Number# | *247* Default or Old PIN * New PIN# Default PIN: 0000 Note: Do not leave spaces when typing USSD Code Limit: ₦20k max per trans. / up to ₦200k or more per day |
Here’s a detailed comparison table for the top airtime-to-cash apps in Nigeria, highlighting key factors like supported networks, average payout rate, payment speed, and standout features:
Airtime-to-Cash Apps Comparison Table
| App Name | Supported Networks | Average Payout Rate | Payment Speed | App/Platform | Unique Features |
|---|---|---|---|---|---|
| Recharge2Cash | MTN, Airtel, Glo, 9mobile | MTN: 80–85%Others: 65–75% | 5–10 mins | Android App + Web | Simple UI, fast MTN processing, bank transfer & wallet load |
| PalmPay (Recharge2Cash) | MTN only (via PalmPay Wallet) | MTN: ~80% | < 10 mins | Android/iOS App | Built-in within PalmPay, easy integration with wallet |
| Prestmit | MTN, Airtel, Glo, 9mobile | MTN: 80%Others: 65–70% | 5–20 mins | Android App + Web | Also supports gift cards, BTC, Airtime vendor login |
| Aimtoget | MTN, Airtel, Glo, 9mobile | MTN: ~82%Others: 70% | 5–15 mins | Android App + Web | Data vending, bill payment, and utilities |
| Zoranga | MTN, Airtel, Glo, 9mobile | MTN: ~80%Others: ~65% | 10–30 mins | Web Only | Supports bank and PayPal withdrawals |
| GoSub | MTN, Airtel, Glo, 9mobile | MTN: 80%Others: 60–70% | 5–10 mins | Android App + Web | Fast payment, bulk data resale support |
| CheetahPay | MTN, Airtel, Glo | MTN: 82%Others: ~70% | 5–15 mins | Web Platform | Easy dashboard, popular for data resellers |
| Modelc | MTN, Airtel, Glo | MTN: ~80%Others: ~65% | 10–30 mins | Android App | Good for beginner resellers, referral system |
| Eazymobile | MTN, Airtel, Glo, 9mobile | MTN: 80%Others: 60–70% | 10–25 mins | Android App + Web | Accepts crypto, multi-utility app |
| AirtimeFlip | MTN, Airtel | MTN: 80%Airtel: ~70% | 10–20 mins | Android App | Simple design, best for MTN users |
Key:
- Payout Rate = % of airtime value you receive in cash.
- MTN generally offers the best rates across all platforms.
- Payment Speed reflects how fast the cash hits your wallet or bank.
- All apps listed support Nigerian bank transfers.
Final Thoughts
Converting airtime to cash in Nigeria no longer has to be a struggle or a hustle. With any of these top 10 apps, you can recover from over-recharging accidents or even start a side hustle flipping airtime to cash for friends and others around you.
Please Note: Before you use any of these apps, always check the service fees, confirm the transaction instructions, and use the platforms you trust.
Have you used any of these apps before? Share your experience in the comments!
FAQs on Apps To Convert Airtime to Cash in Nigeria
What is the best app to convert airtime to cash in Nigeria?
The best app to convert airtime to cash in Nigeria depends on your preferred network, conversion rates, and speed of transaction. However, Recharge2Cash, Prestmit, and PalmPay’s Recharge2Cash feature consistently rank high due to their ease of use, fast payouts, and relatively lower service charges—especially for MTN airtime. These apps support major networks like MTN, Airtel, Glo, and 9mobile and deposit the converted amount directly into your bank account.
Can I convert MTN airtime to cash instantly?
Yes, you can convert MTN airtime to cash almost instantly using apps like Recharge2Cash, Aimtoget, or PalmPay. The process typically involves transferring the airtime via 321# or 600, then confirming the transaction on the app. Most platforms credit your wallet or bank account within 5–10 minutes. MTN is also the most widely supported network for airtime-to-cash services.
What is the service fee for converting airtime to cash?
Service fees vary by app and network. On average:
- MTN: 15%–20% deduction
- 9mobile: 20%–25% deduction
- Airtel & Glo: Up to 35% deduction
For example, converting ₦1,000 MTN airtime may get you about ₦800 in cash. Always check the fee on the platform before proceeding.
Can I convert Glo or Airtel airtime to cash?
Yes, you can convert Glo and Airtel airtime to cash, but be aware that conversion fees for these networks are typically higher—often between 30% to 35%. Platforms like Prestmit, Recharge2Cash, and Zoranga support all major networks, including Glo and Airtel.
Is it safe to use airtime-to-cash apps?
Most airtime-to-cash apps are safe to use—if you stick to well-known and trusted platforms like Recharge2Cash, PalmPay, and Prestmit. Always:
- Read user reviews,
- Avoid apps that ask for sensitive banking info unnecessarily,
- Use only official websites or apps from trusted sources (Google Play, Apple Store).
Also, never share your BVN or OTP with anyone.
How long does it take to get my money after converting airtime?
The airtime-to-cash process typically takes 5 to 30 minutes, depending on the platform. Some apps like GoSub and CheetahPay are known for ultra-fast transactions (under 5 minutes), while others may take slightly longer, especially during high traffic periods or if manual verification is needed.
Can I use these apps to run an airtime-flipping business?
Absolutely! Many users make money by buying airtime at discounted rates and flipping it for cash using platforms like Modelc, Aimtoget, and Prestmit. Some apps even offer affiliate programs that pay you for referrals, making them great tools for launching a small airtime exchange or bill payment business.
Do I need to verify my identity before converting airtime?
Yes, most platforms require basic KYC (Know Your Customer) details such as:
- Phone number
- Bank account
- BVN (in some cases)
This helps ensure the platform is protected from fraud. However, reputable apps will never ask for your bank PIN or login password.
Are there apps that allow me to convert airtime and also pay bills?
Yes, many airtime-to-cash apps double as multi-service platforms. For instance:
- PalmPay lets you convert airtime and pay bills.
- Eazymobile supports bill payments, Bitcoin trading, and airtime flipping.
- Aimtoget offers data/airtime vending, electricity bill payment, and more.
Can I convert airtime without an app?
Yes! Platforms like Zoranga, GoSub, and Modelc offer airtime-to-cash services directly through their websites. This is useful if you’re using a device with limited storage or don’t want to download extra apps.
