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% fees (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. 500,000+ users, 4.5★ on Google Play.
#2. Bitrefill — global catalogue, no naira balance
The global leader for paying-in-crypto directly. Solid for one-off top-ups, but prices are dollar-denominated, there's no naira wallet, and no local support.
#3. Cubex — clean app, smaller scale
A newer Nigerian entrant with a tidy airtime flow. Fewer supported assets and a smaller track record than the apps above.
#4. Dtunes — crypto off-ramp with VTU bolt-on
Covers the basics. Airtime works, though the app's ratings (4.0★) trail the leaders.
#5. Breet — off-ramp first, bills second
Breet's bills feature rides on its conversion flow, which carries a 1%–1.5% exchange fee per conversion — the airtime itself is standard-priced.
#6. Cryptorefills — global alternative
Similar model to Bitrefill with Nigerian mobile top-ups; same caveats on dollar pricing and support.
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.