With Beam you can make payments without cash, all you need is the receiver's phone number.

Receivers can withdraw the money when they sign up on the app.

Free transfers in seconds; Send ₦1,000 or ₦1 instantly at no cost.

There's a ₦5 SMS fee to send money to people without the Beam app.

- Send money in seconds
- Avoid going to the ATM for small cash withdrawals
- Free transfers for users.
- Withdraw money to your bank account