Taprail
Finance
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Taprail is a Naira wallet that sits on top of the bank cards you already have. Add a funding card or use your Rail to send money, settle bills and keep a clean record in the language you prefer.
PAYMENTS AND CARD SETUP
When a merchant sends you a Taprail checkout link, choose a funding card and review the payment before confirming. Contactless Pay and merchant QR payments on iPhone are coming soon.
Adding a funding card costs ₦100, non-refundable once the card is added. The fee is shown before you confirm Add card. Taprail card issuance has no separate setup purchase.
SEND MONEY TO ANY NIGERIAN BANK
Transfer straight to an account number at any Nigerian bank, funded by the card you choose. People you've paid before appear as suggestions, so the second transfer is faster than the first.
AIRTIME, DATA, CABLE AND POWER
Top up airtime and data, renew a cable subscription, or pay an electricity meter. Recent purchases are one tap to repeat, and a Live Activity keeps you posted on your Lock Screen while it goes through.
MEET ALLY
Ally is an assistant that actually knows your spending. Ask it plainly — "Buy ₦500 airtime for my number", "Pay my last electricity meter", "Remind me to top up data every Monday" — and it drafts the action for you. Nothing moves until you confirm it. The Ally hub shows everything it is holding on your behalf: what it remembers, what it's watching, what it has done, and what still needs you. You can make it forget any of it.
CARDS UNDER YOUR CONTROL
Freeze and unfreeze a card instantly, check your PIN, review limits, and give each card a nickname you'll recognise. Card details are tokenized directly by our payments partner and never touch Taprail's servers.
EVERY NAIRA ACCOUNTED FOR
Activity is grouped by day with a full receipt behind every entry. If something looks wrong, "I didn't make this" opens a case from the receipt itself and freezes the card while we look into it.
POINTS, AND FRIENDS
Earn points from cashback and from friends you invite. Points carry a Naira value and collect in one place, with the history of where each one came from.
IN YOUR LANGUAGE
English, Hausa, Igbo and Yoruba — switch any time, independent of your phone's language.
BUILT CAREFULLY
Sensitive actions ask for Face ID, Touch ID or your device passcode at the moment you take them. New devices have to be approved, and account recovery is set up in advance rather than improvised. Connections to Taprail are certificate-pinned.
GETTING STARTED
You'll need a Nigerian phone number and a Nigerian bank card. Verification (BVN and a quick selfie check) is asked for only when a feature requires it, not on the way in.
Questions or trouble: support@taprail.com
Terms: https://taprail.com/terms
Privacy: https://taprail.app/privacy
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Adding a card now clearly shows its non-refundable ₦100 fee before Add card. There is no separate Pay setup purchase. This update also improves Ally payment review cards, bank suggestions, payment recovery, Activity scrolling and transaction details. Contactless Pay on iPhone is coming soon.
The developer, Ubela, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Contact Info
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- SYMBLE TECHNOLOGIES LIMITED
- Size
- 62.1 MB
- Category
- Finance
- Compatibility
Requires iOS 17.2 or later.
- iPhone
Requires iOS 17.2 or later. - Mac
Requires macOS 14.2 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.1 or later.
- iPhone
- Languages
English and 3 more
- English, Hausa, Igbo, Yoruba
- Age Rating
16+
- 16+
- Copyright
- © 2026 Symble Technologies Limited