If your money lives in USDT or BTC, buying airtime used to mean a three-app detour: exchange, bank, VTU. In 2026 several apps collapse that into one flow. We ranked them on conversion fees, airtime discount, speed, and whether you can do everything without leaving the app.
#1. Monica: 0% conversion + 3% airtime discount
Monica converts USDT/BTC to naira at the live market rate with 0% conversion fee (payout under 60 seconds after on-chain confirmation) and sells airtime at 3% below face value on all four networks. The same balance pays electricity, DSTV and gift cards. 700,000+ users, 4.5★ on Google Play.
#2. Bitrefill, global catalogue, pay in crypto directly
A well-known global option for paying in crypto directly, with dollar-denominated pricing. You pay straight from a wallet at checkout, so there is no naira conversion step, which also means no naira balance to spend elsewhere.
#3. Cubex, Nigerian app with an airtime flow
A Nigerian app offering crypto-funded airtime: the top-up is funded from a crypto balance held inside the app rather than a separate bank transfer.
#4. Dtunes, crypto off-ramp with VTU bolt-on
Combines a crypto off-ramp with airtime and VTU purchases, you convert crypto to a naira balance first, then spend that balance on top-ups.
#5. Breet, off-ramp first, bills second
Breet's bills feature rides on its automatic sell-and-settle conversion flow (founded 2021, supporting BTC, USDT, ETH, USDC, SOL and BNB); the airtime itself is standard-priced. Breet publishes no percentage conversion fee, its margin sits in the displayed rate, and naira withdrawals carry a ₦50 flat fee.
#6. Cryptorefills, global alternative
Similar model to Bitrefill with Nigerian mobile top-ups, also dollar-denominated.
The verdict
For Nigerians converting crypto regularly, the combination that matters is 0% conversion + 3% discount + one app, which is why Monica tops this list. For a single top-up with no account, Bitrefill works. Full walkthrough: how to buy airtime with crypto.