5 Best Online Platforms to Pay Electricity Bills and Other Bills in Nigeria

Today, paying for bills such as electricity, data, and cable in Nigeria has become significantly easier.

To carry out these bill payment transactions, you need only a mobile device, a good internet connection, and access to any of the five platforms discussed in this article.

Perhaps you are aware of making bill payments online but are unsure of how to go about it. This article is also for you.

Aside from highlighting the 5 platforms and how to pay electricity bills online using them, I’ll also answer some questions you may have concerning online bill payment. Keep reading!

5 Best Platforms to Pay Electricity Bills in Nigeria

The five best platforms for paying electricity bills online in Nigeria are Cardtonic, Pay Power, Lumia, Instant Energy and your Bank app.

The table below highlights key details like supported electricity providers, service charges, availability, and whether they offer bonuses or cashback.

1 Cardtonic

Paying your electricity bills with Cardtonic gives you access to all electricity service providers in Nigeria, making it easy to purchase from the one that powers your area without any stress.

But what truly sets Cardtonic apart is the added value it offers beyond just paying bills. From cashback rewards to reward points and occasional promo offers, every transaction feels rewarding. It’s a rare combination of convenience and extra benefits, which most platforms don’t offer.

Cardtonic isn’t just built for bill payments alone. It’s a full-fledged digital finance platform that also lets you top up airtime and data, pay for cable subscriptions, trade gift cards, and even access a virtual dollar card for seamless international payments.

Everything you need is packed into one secure, easy-to-use app that works smoothly on both web and mobile.

The process is simple and fast. Once you sign up or log in, all you need to do is go to the Bill Payment section, select Electricity, choose your provider, enter your meter number and payment amount, and confirm the transaction. In just a few minutes, your token will be delivered without delay.

With no hidden charges, a user-friendly interface, and extra perks on top of every purchase, Cardtonic remains one of the best places to pay bills online in Nigeria.

2. Bank Apps

These days, you don’t have to visit a physical bank to buy electricity in Nigeria. Most Nigerian banks now have mobile apps that allow you to carry out transactions conveniently from your phone.

To use your bank’s app for bill payments, you must first have an account with that bank and access to their mobile app.

Once logged in, navigate to the Bill Payment section and look for Electricity or any other service you want to pay for. Provide the required details, confirm your payment, and the bill will be settled directly from your account balance.

Bank apps make online payments straightforward and accessible, especially for people already using traditional banking services. However, keep in mind that service charges may apply, and these charges vary depending on the bank.

3. Pay Power

Pay Power is another reliable platform you can use to pay electricity bills online in Nigeria. It’s designed specifically for electricity purchases, which makes the platform very easy to navigate and use.

Although Pay Power started as an electricity-only service, a recent update has introduced support for airtime and data top-ups as well. This makes the platform slightly more versatile while keeping its focus on energy payments.

One major advantage is that Pay Power doesn’t charge extra service fees. You can use either the website or mobile app to get started—just create an account, fund your wallet, and proceed to pay for your electricity without any hidden charges.

4. Instant Energy

Instant Energy is a platform focused entirely on providing electricity as a service. It supports both on-grid and off-grid power providers, giving you flexibility in how and where you purchase your electricity.

The platform is easy to access and doesn’t charge any extra fees—electricity is sold at standard rates. To get started, download the app, create an account, and enter your meter details. After inputting the amount of electricity you want to buy, the cost is displayed, and you can proceed to make your payment.

If you’re using a prepaid meter, your token number will be delivered instantly after payment, making the process quick and stress-free.

5. Lumia

Lumia is another reliable platform for buying electricity online in Nigeria. Its main goal is to make sure you always have light in your home, and it does that by offering easy access to electricity payments through both its website and mobile app.

With Lumia, you can connect to all electricity service providers across the country, so no matter your location, you’re covered. As long as you have an account, you can complete your electricity purchase in just a few minutes.

Frequently Asked Questions on Platforms to Pay Electricity Bills Online in Nigeria

1. What is the Best Platform to Pay Bills in Nigeria?

Cardtonic is the best platform for paying bills in Nigeria. It’s fast, safe, and easy to use. With Cardtonic, you can buy electricity, pay for DSTV, Startimes, and other cable subscriptions, top up airtime or data, and pay for sports betting platforms.

2. 2. How Many Units of Electricity Can 5000 Naira Buy?

The amount of electricity you can purchase online is measured in kilowatt-hours. For prepaid users, the units you can get with 5000 Naira vary depending on your electricity band.

However, to determine the accurate unit you can get with 5000 Naira, confirm the band supplying you electricity, check the current tariff rate online, and divide by 5000 Naira to get the exact number of units you can get.

3. 3. Can I Recharge My Prepaid Meter When There is no Light?

Yes, you can recharge your prepaid meter even when there’s no light. Once you buy your electricity token, simply enter the token number into your meter. The recharge will be stored and activated once power is restored.

4. 4. How Much Money Can You Put on a Prepaid Electricity Meter?

There is no fixed limit to how much money you can load on your prepaid electricity meter. You’re free to purchase electricity tokens worth any amount, depending on your budget. The money you pay is converted into energy units measured in kilowatt-hours. This energy unit will be deducted as you consume electricity.

5. How Can I Pay for My Prepaid Meter Online in Nigeria?

To pay for your prepaid meter online in Nigeria, log in to your Cardtonic account. Go to Bill Payment, select Electricity, then choose Prepaid Meter. Enter your meter number and payment amount, input your Cardtonic PIN, and confirm. Your token will be delivered within seconds.

Conclusion

Whether it’s electricity, airtime, data, or cable subscriptions, paying bills online in Nigeria has never been easier. Platforms like Cardtonic, Pay Power, Lumia, Instant Energy, and your bank app make the entire process smooth, fast, and accessible from anywhere.

If you’re looking for where to pay electricity bills online in Nigeria without stress, these platforms are your best bet. They offer convenience, security, and in the case of Cardtonic, extra benefits like cashback and bonuses.
Follow the simple steps outlined for each platform, and you’ll be able to sort your bills with just a few taps..