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ChangeApp

About ChangeApp

We're changing the way Nigeria handles change.

ChangeApp was created to solve a simple but frustrating problem: the everyday difficulty of getting or giving change.

From public transport to local shops and busy markets, change shortages can turn simple transactions into stressful experiences. Customers struggle to get their balance, while merchants and drivers lose valuable time trying to find smaller notes.

A produce trader at a market stall looks through a few naira notes as a customer waits for her balance.
A bus conductor in a yellow shirt counts naira notes while a passenger waits beside a yellow commuter bus.

We believe there should be a better way.

ChangeApp makes it possible to pay exact amounts and receive change digitally through participating merchants. When customers collect change, it is credited to their ChangeApp wallet.

For business owners, it means you no longer have to turn customers away, ask them to come back later, or hold up the queue searching for smaller notes. You can return their balance digitally and get on with serving the next person.

At ChangeApp, we believe every naira matters. Beyond solving everyday change shortages, we're helping Nigerians hold on to the small amounts they might otherwise leave behind.

By collecting change digitally into a ChangeApp wallet, users can gradually build their balances, one transaction at a time.

And because accumulated change should remain useful, customers can spend their wallet balances with participating ChangeApp merchants or request withdrawals to their preferred bank accounts.

With free ChangeApp-to-ChangeApp transactions and convenient wallet funding options, we're making everyday money management simpler and more accessible.

Built for both sides of the counter.

Every cash transaction has two people in it: the customer waiting for their balance, and the business trying to find it. ChangeApp is designed for both.

For customers

  • Collect your complete change digitally, straight into your ChangeApp wallet.
  • Let small amounts add up, then spend them with participating merchants or withdraw to your bank.
  • Pay participating merchants from your wallet with no ChangeApp-to-ChangeApp transaction fees.

For business owners

  • Return a customer's balance digitally when smaller notes run out, and keep the queue moving.
  • Give change and accept wallet payments with no ChangeApp-to-ChangeApp transaction fees, so every naira arrives in full.
  • Keep your business wallet funded by bank transfer, USSD or card, ready for the next customer.

Made for

  • Transport operators
  • Keke riders
  • Retail shops
  • Market traders
  • Supermarkets
  • POS agents

Our mission

To make everyday transactions easier by taking the stress out of change.

Because no amount is too small to matter.