It’s 2025, and utility bills haven’t slowed down in Nigeria. If anything, they’ve gone up, except for those relying on energy-efficient solutions. Nigerians still have to pay more for electricity, airtime/data, internet, and TV bills.
What has changed, however, is that there are now more options for paying these bills. Unlike before, payments are simpler, smarter, and more straightforward.
There are many platforms available, but only a few stand out for their trust, reliability, security, and seamless experience. Besides, not every platform allows you to pay for every kind of bill in Nigeria, from electricity to airtime/data to IPTV subscriptions. These top options let you handle all payments in a single app without leaving the platform.
To this end, we’ve compiled the six most trusted platforms to pay utility bills in Nigeria in 2025.
Best Platforms to Pay Utility Bills Online in Nigeria
Some of the best platforms for paying utility bills online in Nigeria include Cardtonic, Breet, PowerPlug, iRecharge, Mintyn, and Billerone.
| s/n | Platform | Unique Perk | Funding Options | App Store Rating |
| 1. | Cardtonic | Cashback, all-around app | Wallet, bank transfer, gift card | 4.7 (15k reviews) |
| 2. | Breet | Crypto payments | Crypto, wallet, bank transfer | 4.8 (3k reviews) |
| 3. | PowerPlug | Cashback, referral bonus, powerplug agent | Wallet, bank transfer and debit card | — |
| 4. | iRecharge | USSD service, flexible payment options | Debit cards, mobile wallets, USSD codes, and bank transfers | 4.2 (2k reviews) |
| 5. | Mintyn | Loans, Mintyn Analytics | Card, bank transfer | 4.2 (6k reviews) |
| 6. | Billerone | Flexible payment options | Card, bank transfer, USSD & NQR | — |
1. Cardtonic
The best platform to pay utility bills online by some distance, Cardtonic has been around for over five years and still delivers consistently for all types of utility bills—be it electricity, TV, data, or airtime. Not forgetting internet bills and betting. It integrates with several providers to deliver efficient utility payment services, all within a single app.
Cardtonic’s features make the platform super useful. You can track bill payments, set reminders, and receive push notifications about upcoming subscriptions so your service doesn’t get interrupted. Customers benefit from the most flexible payment options. They can pay via wallet, bank transfer, or gift card.
Safety is another standout feature of the Cardtonic app. It boasts advanced encryption that ensures the bad guys are kept out every time. But that’s not all; Cardtonic prioritises customer support. The support team is readily available whenever you need it. Got stuck transactions or facing any unique issues? Agents are always available 24/7 to support you.
2. Breet
Breet is an emerging player in the business of utility bills, providing solutions for electricity, TV subscriptions, and airtime and data payments. It appeals to the younger population, allowing users to pay utility bills online not only via traditional methods but also with crypto. You can swap your crypto for cash in your wallet and use it to pay any utility bill.
The Breet app boasts a familiar and intuitive interface, so users can complete tasks easily without hiccups. Convenience, speed, and discounted prices are some of its hallmarks. The app offers convenience by allowing users to pay utility bills online across multiple services on a single platform.
3. PowerPlug
PowerPlug lives up to its mantra as an all-in-one bill payment platform, letting users make payments for everything from electricity to cable TV and internet. It prioritises fast, secure, and affordable payments, with stable customer support available across multiple channels to assist you every step of the way.
As a user, there are plenty of extra perks. You get cashback for most transactions, and those tiny savings can quickly add up over time. In addition, you earn referral bonuses for each customer you refer, which means extra cash for you.
4. iRecharge
iRecharge offers an innovative way to pay for utilities by allowing you to transfer funds directly to your meter or decoder’s bank account. This simple innovation protects your information and prevents unnecessary card exposure.
Another top feature is its brilliant USSD service. Customers can access iRecharge services without an internet connection or the app. They only need to dial *6606# to start.
Best of all, you don’t have to stick around only for your utility payment needs. iRecharge also lets you earn extra income. You can refer your friends and colleagues and earn money from referrals.
5. Mintyn
Mintyn does more than just provide utility bill payment solutions. It doubles as a gift card platform and indeed a financial institution. Mintyn has been around since 2020 and has attracted hundreds of thousands of users and processed millions in transactions.
The great thing about Mintyn is that it functions like a regular bank account while letting you make other payments. You can access loans and make transfers to any bank, just as you would with any other bank app. It works best for regular people who prefer regular bank apps.
Within the app, you get money management tools like Mint analytics. With this simple tool, you can track your monthly expenses. Furthermore, businesspeople have access to bulk payment tools that allow them to pay many people at once.
6. Billerone
Billerone is a new bill payment platform that has already gained strong traction in Nigeria. Its football content appeals to youths, who make up a good number of its users.
Billerone provides a simple, fast and easy way to pay bills in Nigeria. You simply choose the bills you wish to pay, key in the biller’s details, and pay to receive the value instantly. Users are also provided tools for financial planning to help them manage their expenses.
To top it off, Billerone has one of the most flexible payment methods: you can pay with a card, USSD, bank transfer, or even NQR (NIBSS).
Frequently Asked Questions About Paying Utility Bills Online in Nigeria
- What is the Best Platform to Pay Utility Bills Online in Nigeria?
Cardtonic is the best platform for paying utility bills due to its high reliability, speed, security and discounts. It is also one of the few platforms that offers additional perks, such as cashback on airtime and data recharges.
- What are the Different Types of Utility Bills in Nigeria?
The major types of utility bills in Nigeria include electricity, TV subscriptions, internet, airtime, and data. There are a whole lot of other bills, including water, gas and security. At the end of the day, your bills depend on your location and economic situation.
- How Can I Pay NEPA Bill Online in Nigeria?
Learning how to pay NEPA bill online in Nigeria is simple. The easiest way is through trusted third-party platforms like Cardtonic or Breet. Just open the app, tap Bill Payment, choose Electricity, select your provider, and enter your meter details. Confirm your payment, and your account will be credited within seconds. Once you do this a few times, you’ll get the hang of it easily.
- How Do I Check My Prepaid Meter Debt Balance?
The best way to check your prepaid meter debt balance is to log in to your DISCO portal. Most providers, like IKEDC, EKEDC, AEDC, and PHED, allow you to check for outstanding debts.
- Are There Extra Charges For Paying Electricity Bills Online?
It all depends on the payment provider. Most third-party apps charge minimal fees when you pay your PHCN electricity bill online. However, platforms like Cardtonic and Breet often offer cashback or discounts, so you might actually save money instead of paying more.
Conclusion
Nigeria’s options for paying utility bills have not only grown but also become as seamless as possible. What previously required users to visit an office or even spend hours accessing has now become commonplace.
But with an abundance of providers, trust becomes a major issue. However, key players such as Cardtonic, Breet Power Plug, and iRecharge have set the standard for reliability, security, and a seamless experience. So Nigerians can pay their utility bills online without stress or worry.
