Gift cardsBillsNaira wallet

Just say it. Plut does it.

Sell gift cards for Naira. Buy light, data and airtime. Renew DStv and GOtv. Type what you want or send a photo of the card, and Plut sets it up. You check the numbers and approve with your PIN.

Download on theApp Store Get it onGoogle Play

On a laptop? Use Plut on the web

Plut home screen with Naira balance and quick actions

Screen recording from the Plut app

  1. 01Plut AIAsk in plain words
  2. 02Gift cardsRate first, then sell
  3. 03BillsLight, data, TV, internet
  4. 04WalletAdd, hold and withdraw Naira
  5. 05SecurityNothing moves without your PIN

01Plut AI

You ask. Plut gets it ready. You approve it.

Plut AI lives inside the app. Send it a photo of a gift card or a line like “buy 10GB MTN data for my line”. It works out the brand, the plan or the meter, lays out the whole transaction and waits. Nothing is paid or sold until you enter your PIN.

Try one

Example amounts. Real quotes come from the app at the moment you ask.

Plut AIReview and confirm

Sell 1 gift card

You get₦114,498.60
Reject Confirm

Done
  1. 1

    Snap it or type it

    A photo of the card or one line of text. No forms to fill and no menus to dig through.

  2. 2

    Numbers first

    The rate, the plan, the name on the meter and the total are on screen before anything happens.

  3. 3

    Your PIN decides

    Plut AI can get a payment or a trade ready. It can't complete one. Every request waits for your PIN and comes with a Reject button.

Plut AI reads a photo of a $100 Apple USA card and quotes ₦1,144.99 per dollar, ₦114,498.60 in total
It reads the card and quotes the rate
The Review and Confirm card for the Apple card trade, with Reject and Confirm buttons
Then the trade waits for your PIN

Screenshots from a real trade on a customer phone, September 2026.

02Gift cards

Gift cards to Naira, with the rate up front.

Pick the card in the app or just send Plut AI a photo. You see the rate and your payout before you sell, and the Naira lands in your Plut wallet once the card is confirmed.

What is my card worth?

Rates as of 5 Oct 2026
Card value (USD)
You get up to ₦0

Best rate in the Plut app for that brand. Your exact rate depends on the card's country and whether it's a physical card or an e-code, and Plut shows your exact payout before you confirm.

Gift cards screen in the Plut app listing brands with their rates
Selling a gift card in the Plut app with the rate and Naira payout shown

Cards Plut buys

  • Apple
  • Steam
  • Razer Gold
  • Xbox
  • Google Play
  • Sephora
  • Footlocker
  • Macy's
  • Amazon
  • Walmart

From the US, UK, Canada, Australia, Europe, New Zealand and Switzerland, depending on the brand.

  1. Pick or snap the cardChoose the brand, or send a photo to Plut AI.
  2. See the rate and payoutIn Naira, before you commit to anything.
  3. Upload and confirmAdd the card images and approve with your PIN.
  4. Get paidNaira lands in your Plut wallet once the card checks out.

03Bills

Light, data, TV and internet. Paid from one wallet.

Pay any of these yourself in a few taps, or ask Plut AI to do it. Your receipt, and the token for a prepaid meter, stays in Activity.

ServiceProvidersOr just ask
Airtime MTN, Airtel, Glo, 9mobile “₦2,000 airtime for 0803 555 0142”
Mobile data MTN, Airtel, Glo, 9mobile “10GB MTN data for my line”
Electricity IKEDC, EKEDC, AEDC, PHED, BEDC, KEDCO “₦10,000 light for my meter”
Cable TV DStv, GOtv, Startimes “Renew my GOtv Max”
Internet Spectranet, Smile, Swift In the app
Education WAEC, NECO and JAMB PINs In the app
Betting Bet9ja, SportyBet, BetKing, 1xBet, Betway, MSport Fund your account in the app
Paying for light through Plut AI
Electricity payment receipt in the Plut app showing the prepaid token
Plut home screen with the Naira balance
Activity list with gift card trades, bills and a bank withdrawal

04Wallet

A Naira wallet that handles the boring parts.

  • Add money by bank transfer

    You get your own account number. Send money to it from any Nigerian bank app.

  • Withdraw to any Nigerian bank

    Pick a saved account or add a new one, check the name, approve with your PIN.

  • A receipt for everything

    Every trade, bill and withdrawal sits in Activity with its own receipt you can share.

  • Limits that grow with you

    Verify with your BVN or NIN to start. Add proof of address when you need higher limits.

Phone, tablet and web

Plut fits the screen you have.

One Plut account works on your phone, your iPad and in the browser. Start a gift card trade on one and check the payout on another.

Plut home screen on an iPad with the Naira balance, quick actions, gift cards and recent activity
Plut AI on an iPhone getting a ₦10,000 electricity payment ready to confirm

05Security

Only you can move your money.

Plut AI can get things ready. The final step is always yours.

  • PIN on every payment

    Trades, bills and withdrawals all stop and wait for your transaction PIN.

  • Face ID or fingerprint

    Lock the app with your face or finger so a borrowed phone stays a borrowed phone.

  • Passkeys

    Sign in with a passkey on your phone instead of a password someone could guess.

  • Authenticator codes

    Add a code from an authenticator app for one more check at sign-in.

  • Verified accounts

    Every account is checked against a BVN or NIN before it can move money.

  • Licensed partners

    Plut is not a bank. Your balance is held and settled through licensed partners.

Questions

Before you download

Something else on your mind? Write to support@plut.ng.

What can Plut AI do for me?

It can sell gift cards and buy airtime, data, electricity and cable TV for you. It gets each one ready and waits for your PIN. Like any assistant it can make mistakes, so read the details on the confirm card before you approve.

Which gift cards does Plut buy?

Apple, Steam, Razer Gold, Xbox, Google Play, Sephora, Footlocker, Macy's, Amazon and Walmart. Depending on the brand, Plut takes cards from the US, UK, Canada, Australia, Europe, New Zealand and Switzerland. The app always has the current list.

How is my gift card rate decided?

It depends on the brand, the card's country, the amount and whether it's a physical card or an e-code. Plut shows the rate and your exact Naira payout before you confirm, so you can walk away if it doesn't suit you.

How long does a gift card trade take?

Most cards are confirmed within about 15 minutes. Footlocker, Macy's and Sephora can take up to 90 minutes. Your Naira goes to your Plut wallet as soon as the card is confirmed.

How do I add money to Plut?

Your wallet comes with its own account number. Transfer to it from any Nigerian bank app and the money shows up in your Plut balance.

Do I have to use the AI?

No. Every bill and every gift card trade has its own screen in the app. Plut AI is there for when typing one line is quicker than tapping through.

Is Plut a bank?

No. Plut works with licensed partners to hold funds and process payments, and your balance is held and settled through them.

Do I need to verify my identity?

Yes. You verify with your BVN or NIN before you can move money. Adding proof of address raises your limits.

Get Plut and send your first message.

Free on iPhone and Android. Sign up with your phone number, verify once and you're set.

Download on theApp Store Get it onGoogle Play
Or use Plut on the web