Your money, in your hands.
Your bank cards, your Rail, and everyday payments. Together in one app.
Explore the appOn Google Play, and on iPhone through TestFlight. Tap to pay is Android only.
On a computer?Scan with your phone camera to get the app.
Add cards from the banks you already use
A little less effort. Every day.
Your cards, your Rail, and the things you do every day. See how they work in the app.
Real app screens · Demo account
Rail · Make it yours
Get paid to your @handle, send money, pay bills or cash out to your bank. Type a name below to preview your Rail card.
3 to 20 characters. Start with a letter.
Claim it in the appA preview. Nothing you type here is sent anywhere.
Your cards
Add the Nigerian bank cards you already use, then pick which one pays each time. Name them, set a default, and give each one its own limit.
Move the slider. Your real card limits are set in the app.
Tap to pay · Android
Choose a card and try a demo payment. Watch the phone meet the reader, then see the receipt.
A demo, so no money moves. Tap to pay works on Android phones with NFC.
Send money
Pay from your Rail or a card. Enter the amount, choose who to pay and review it before it goes.
A transfer, step by step
Start with how much you want to send. Choose your Rail or a linked card to pay from.
A walkthrough. No money moves here.
Bills
Pay the bills that come round every month from your Rail or a card, with the numbers and meters you pay often kept ready.
Top up a phone number, from your Rail or a card.
Ally
Ally answers from your own spending: what went where, and what is coming up. It can prepare a payment for you, and nothing is paid until you tap confirm.
See what you can ask
Ask Ally to explain your spending using your own activity, so you can see what went where.
Feature examples, not a live conversation.
Receipts and points
See whether a payment went through, keep a receipt you can share, and earn points on payments and referrals that are worth real naira.
The amount, who you paid and the payment status stay together, so you can look back at what happened.
From the demo account shown here.
₦0
To send to a @handle from your Rail
1 tap
At the till, on Android
4
Kinds of bill: airtime, data, power and TV
24/7
Freeze every card, whenever you need to
Taprail is not a bank. It puts your existing cards on your phone and leaves the deciding to you and your bank. Rail balances are provided by a regulated banking partner.
Your card
Stays with your bank
Taprail
On your phone
The till
Never sees your card number
Your bank
Approves or declines
Every card payment goes to the bank that issued your card, which approves or declines it.
Your real card number stays out of the hands of terminals and merchants.
Paying and managing a card ask for your face or fingerprint, with your passcode as a backup.
Freeze all your cards from your phone the moment something feels off.
Short answers before you add a card.
Take it with you
Keep your bank. Bring your cards. Make room for a little less effort, every day.
Android on Google Play. iPhone through TestFlight.
Tap to pay is available on Android with NFC.
