If you are looking for the best crypto exchange apps to buy and sell cryptocurrency with naira as a beginner or someone who doesn’t want the stress of converting naira to USDT due to this high exchange rate, here are the top 6 platforms to buy & sell Bitcoin, Ethereum, and other cryptocurrencies with Naira in 2025.
They have low fees, fast transactions, and secure trading. We have done the heavy lifting for you. The best part is that they are free crypto exchange apps to buy and sell cryptocurrencies with naira any beginner can use without confusing interface. I personally use some of them especially Roqqu.
Why Use Crypto Exchange Apps in Nigeria?
Nigeria’s economy faces challenges like inflation and strict limits on foreign currency transactions. Crypto exchange apps give you a way to:
- Save smarter: You can protect your money from inflation by holding stablecoins like USDT.
- Send money globally: you skip expensive bank fees when sending funds abroad.
- Invest in the future: you buy Bitcoin, Ethereum, or other coins with as little as ₦1,000.
- Earn extra income: you also earn extra income because some of these apps let you earn interest on crypto you hold.
Think of these apps as your digital “gateway” to the global crypto market – all from your phone, you can have crypto exchange apps to buy and sell cryptocurrencies with naira with issues.
In addition to the inflation head, finding best crypto exchange apps to buy and sell cryptocurrencies with naira is nightmare and we often receive question like which app should I use? So, here is a detailed guide to help you make informed decision.
How to Choose the Best Crypto Exchange App for Naira Trading
Not all crypto apps are right for beginners. Before you sign up, you need to be sure that these factors I have listed below are available. Check if they thick these boxes:
- Supports Naira: First, find out if you can deposit/withdraw Nigerian Naira easily (bank transfer, debit card)?
- Low fees: You need to avoid apps that charge hidden fees for deposits, withdrawals, or trading.
- Easy to use: How is the interface of the app, does it look simple or cluttered interface? It will confuse you if it’s complicated to navigate through. Look for clean designs and tutorials.
- Safe and legal: Apps should require ID verification (KYC) and offer 2FA security.
- Speed of Transactions : Instant deposits & withdrawals
Pro tip: Start with apps that have 24/7 customer support – you’ll thank yourself later. Take or leave it, customer service is everything.
Top 6 Crypto Exchange Apps to Buy & Sell Cryptocurrency in Nigeria (2025)
1. Roqqu
Roqqu was founded in 2019 in Lagos, Roqqu has evolved from a local exchange to a robust platform with over 1.6 million users. It’s tailored for Nigerians, with a focus on security and savings.
Pros:
- Multi-Currency Support: Roqqu supports buy of crypto with Naira, USD, GBP, EUR, and GHS via card or bank transfer.
- Savings Feature: Earn interest on crypto holdings, a standout for long-term investors.
- Utility Payments: Pay bills (electricity, subscriptions) with crypto, enhancing everyday use.
- Security: It stores 98% of assets offline, with no reported hacks since inception.
- Low Fees: it has minimal transaction costs making it budget-friendly.
Cons:
- Limited Reach: It’s only available in Nigeria and Ghana, restricting its audience.
- No Staking or Trading Tools: It lacks advanced features like spot trading or derivatives.
- Crypto Variety: it supports fewer coins (e.g., BTC, ETH, USDT, BNB) than Quidax or Busha.
- Support Lag: Customer service isn’t 24/7, relying on email and in-app channels.
My verdict: Roqqu is a secure, practical choice for Nigerians who value savings and utility over advanced trading. Its limited scope and features hold it back from being a one-stop shop.
How to start with Roqqu:
- Download Roqqu from Google Play or App Store.
- Verify your ID with a selfie and BVN.
- Tap “Buy Crypto” and choose your bank.
2. Quidax
Quidax was founded in 2018 by Buchi Okoro, Quidax is a Nigerian-born exchange that has grown into a powerhouse, serving over 1 million users across 70+ countries.
In 2024, it became the first crypto exchange to secure a provisional operating license from Nigeria’s SEC, cementing its legitimacy.
Pros:
- Regulatory Compliance: The SEC license ensures trust and potential bank partnerships, a rarity among local exchanges.
- Wide Crypto Selection: Supports over 30 cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), and its native QDX token.
- Versatile Features: It offers instant swaps, an OTC desk for bulk trades, staking via the QDX Vault (up to 10% APY), and an API for developers.
- Naira Accessibility: Seamless Naira deposits/withdrawals via bank transfers and debit cards.
- User-Friendly: Intuitive interface for beginners and advanced order-book trading for pros.
Cons:
- Fees: A 1% fee on instant buy/sell transactions can add up for frequent traders; withdrawal fees vary and may include third-party charges.
- Regional Focus: While global, its primary focus on Africa might limit liquidity for non-Naira pairs.
- Customer Support: No 24/7 live chat—relies on email and social media, which can delay responses.
My Take: Quidax is a top pick for Nigerians seeking a regulated, feature-rich platform with strong local roots. It’s ideal for both newbies and seasoned traders, though high-frequency traders might worry at the fees.
3. Luno
Luno was established in 2013, Luno is a global exchange with a strong Nigerian presence, boasting over 7 million users across 40+ countries. It’s known for simplicity and security
Pros:
- Global Reach: Operates in 40+ countries, offering high liquidity and reliability.
- Naira Integration: It supports Naira deposits via bank transfers, cards, and vouchers.
- Security: Cold storage for most assets and 2FA ensure top-tier protection.
- Educational Resources: Luno Learning Portal empowers users with crypto knowledge.
- Simplicity: It’s perfect for beginners with a sleek app and no-frills trading.
Cons:
- Limited Coins: Lists only major assets (BTC, ETH, XRP, SOL, ADA)—no altcoin diversity.
- Higher Fees: Deposit/withdrawal fees (e.g., ₦100) are steeper than some rivals.
- No Staking: Lacks passive income options like Busha or Roqqu.
- Withdrawal Delays: Processing times can extend during high traffic.
My verdict: Luno is a safe, beginner-friendly option with global credibility, but its limited coin selection and fees may deter altcoin hunters or cost-conscious traders.
Luno was the first app I used in 2016 when I ventured into crypto trading. It’s the best for dollar-cost averaging (small, regular investments).
4. Remitano
Remitano is one of the oldest Peer-to-peer (P2P) trading exchanges with flexible payment options.
Pros:
Nigerians including myself love Remitano because of the following 3 reasons:
- You set your own exchange rate for Bitcoin or USDT.
- Pay with bank transfers, cash deposits, or even gift cards
- Escrow protects you: Money is held safely until both parties confirm.
You need to pay attention to prices as it varies between sellers – compare rates before buying.
How Remitano works:
- Post a “Buy” or “Sell” ad with your preferred rate.
- Chat directly with buyers/sellers in the app.
- Release funds from escrow once the deal is done.
5. Busha
Busha was launched in 2019, Busha is a Nigerian exchange licensed by the SEC, designed to simplify crypto for Africans. It now serves Nigeria and Kenya, with over 50 cryptocurrencies listed.
Pros:
- Lower Trading Amount: You can start trading with just ₦250, making it ultra-accessible for everyone.
- Earning Potential: Busha Yield offers up to 8% APY on stablecoin staking—perfect for passive income.
- Diverse Assets: It supports over 50 cryptocurrencies, including BTC, ETH, USDT, and meme coins like Shiba Inu.
- User-Friendly: Clean interface and a mobile app ideal for beginners.
- Extra Perks: You can buy airtime, data, or betting vouchers with crypto, adding practical utility.
Cons:
- Limited Currencies: Supports only Naira, USD, and Kenyan Shilling—less versatile than multi-currency peers.
- Regional Scope: Available only in Nigeria and Kenya, limiting its reach.
- Customer Support: No 24/7 service; but responses are via email or WhatsApp can lag.
- No Advanced Tools: Lacks spot or derivatives trading for experienced users.
Verdict: Busha is a beginner’s dream with its low trading amount to start with and earning features, but it falls short for advanced traders or those needing broader currency support.
6. Yellow Card
Yellow card A Pan-African fintech operating in 20 countries, Yellow Card is renowned as the continent’s first licensed stablecoin on/off-ramp. It’s a go-to for Naira-based crypto trades in 2025.
Pros:
- Pan-African Reach: It operates across 20 countries, offering flexibility for users with regional ties.
- Stable coin Focus: This focuses on USDT, USDC, and PYUSD, with BTC also supported—great for stability seekers.
- Payment Options: Naira deposits via bank transfers are straightforward and reliable.
- Business-Friendly: Its Payments API caters to businesses needing crypto solutions.
- Trusted Reputation: Long-standing presence and licensing bolster its credibility.
Cons:
- Limited Crypto Options: Only supports BTC, USDT, USDC, and PYUSD in Nigeria—far fewer than competitors.
- No Advanced Trading: Lacks features like staking or order-book trading, limiting it to basic buy/sell.
- Wallet Constraints: Restricted to a handful of assets, reducing flexibility for altcoin enthusiasts.
- Fees: Withdrawal fees can vary, and transparency on costs could improve.
Verdict: Yellow Card shines for users prioritizing stablecoins and simplicity, especially businesses or cross-border traders. However, its narrow asset range makes it less appealing for diversified portfolios.
How to Safely Buy & Sell Cryptocurrency with Naira
- Use trusted and secure exchanges like Roqqu, Busha, and Quidax.
- Download the app and sign up.
- Verify your account by completing KYC
- Enable two-factor authentication (2FA) for account security.
- Fund your wallet with Naira.
- Pick the coin you want to buy, hit the buy or sell button.
- Avoid scams: Always trade through verified platforms with escrow services.
Also read: 7 Famous Crypto Mistakes Traders Need to Avoid
Frequently Asked Question
1. Is it safe to use these apps?
Answer:
Yes, if you stick to trusted apps like Roqqu, Luno, or Quidax always:
- Download the app and sign up
- Verify your account by completing KYC
- Enable 2FA (two-factor authentication) in your account settings.
- Avoid sharing your password or screen with anyone.
- Start with small amounts to test withdrawals first.
2. Which app has the lowest fees?
Answer:
Roqqu: ₦0 deposit fees + free Naira withdrawals.
Quidax: No fees on your first 10 trades. Always check withdrawal fees – some apps charge ₦50–₦500 per transaction.
3. What’s the easiest app for beginners?
Answer:
Roqqu wins for simplicity:
- No complicated charts or jargon.
- Instant Naira deposits via bank transfer.
- Free withdrawals to your Nigerian bank account.
Luno is also great for setting up automatic weekly purchases especially if you want to use dollar cost averaging trading strategy.
4. How long do withdrawals take?
Answer:
Quidax: Under 5 minutes (fastest for Naira).
Roqqu: 10–30 minutes.
Remitano: Depends on the seller (P2P trades can take 15–60 minutes).
Tip: Avoid withdrawing during weekends or holidays to skip delays.
5. What if the app stops working in Nigeria?
Nigeria’s crypto regulations can change, but apps like Roqqu and Quidax are designed to comply with local laws. To stay safe:
- Move your crypto to a private wallet (e.g., Trust Wallet) immediately after buying.
- Follow the app’s social media for updates.
- Use a backup app (e.g., Luno or Remitano) to spread your risk.
Let me in the comment section, which app you prefer to trade with.
