Remita wants one app for many banks and payments

Managing money across several bank accounts can be frustrating. Someone may use one bank for salary, another for savings and a different one for everyday transfers. Each account comes with its own mobile app, login details and payment process.

Remita wants to make that experience easier with a new mobile application that brings multiple bank accounts and everyday financial services together in one place. The Nigerian fintech company also wants users to send money across African countries without switching between different platforms.

The app was unveiled on September 22, 2026, during Nigeria Fintech Week in Lagos. The launch marks Remita's move beyond its traditional focus on payments for businesses and government institutions into the everyday consumer market.

The new Remita app allows users to manage multiple bank accounts through one platform. Instead of opening different banking applications to check balances, users can view participating accounts from the same screen.

According to Remita's Managing Director and CEO, DeRemi Atanda, the app also allows users to set up recurring payments using their connected bank accounts. This can help people organise regular expenses without having to remember every payment date.

The platform offers more than checking balances and making transfers. Its reported services include airtime and data purchases, electricity bills, government payments, budgeting and expense tracking.

At the time of the launch, about 16 banks, including FCMB, Zenith Bank and Fidelity Bank, had joined the platform. Remita also indicated that discussions with other financial institutions were continuing.

For someone who uses several banks, the idea is straightforward: fewer apps to switch between and a more convenient way to keep track of everyday financial activities.

Many Nigerians maintain more than one bank account for different reasons. A worker may receive a salary through one bank but use another for savings or daily spending. Small business owners may also separate personal and business transactions.

Managing all these accounts can take time, especially when someone needs to check balances, move money or schedule payments across different applications. By bringing participating accounts together, the Remita app aims to reduce that inconvenience and give users a clearer view of their finances.

However, convenience must go together with security. Putting access to several accounts in one application makes questions about personal information, account protection and transaction safety especially important. Users should understand the app's security arrangements and account-linking permissions before connecting their banks.

Another important part of the launch is its focus on cross-border payments Africa. Through its partnership with the Pan-African Payment and Settlement System (PAPSS), Remita aims to make it easier for users to send money from Nigerian bank accounts to accounts in other African countries.

For example, a Nigerian business owner buying goods from a supplier in Ghana could use the platform to make a payment without moving between several financial applications. The same service could help people supporting relatives, paying service providers or doing business across African borders.

PAPSS provides payment infrastructure designed to make transactions between African countries easier. It supports payments across participating African markets and is intended to reduce some of the difficulties associated with traditional international transfers.

Techpoint Africa reported that Remita said its cross-border transfers would use a flat-rate fee structure similar to local instant bank transfers. However, users should check the actual charges, exchange rates and supported destinations before sending money.

For Nigeria's fintech sector, the Remita app represents an effort to make financial services more connected. Its real value will depend on how reliably it works, how many banks join and whether users find it secure and affordable enough for everyday payments.