Tbay review
7.8/ 10
Score breakdown
Each dimension is scored from our own tests and weighted into the overall score.
Verdict
Tbay completed our $20 US Razer Gold trade in 10 minutes, and the bank payment arrived three minutes after withdrawal. The researcher received ₦21,552, while support responded in under one minute when help was needed. The speed was a positive part of the test, but switching the card format was difficult and the transaction's order, dispute, bonus and settlement figures could have been clearer.
Pros
- The complete trade and bank payout took 13 minutes
- Users can compare different vendors and their rates
- A human support response arrived in under one minute
- No withdrawal fee was recorded during the test
- Supports bank withdrawals, bill payments, airtime and data purchases
- Offers member premiums, rate-up coupons and other bonus points
Cons
- The researcher could not switch easily between e-code and physical-card submission
- Promotional messages interrupted parts of the trading experience
- The order, bonus, dispute and settlement figures were not easy to follow
- Bonus points cannot be withdrawn until the balance reaches five points, although smaller balances can be used for airtime or bill payments
Our review
About Tbay
Tbay is a marketplace where people in Nigeria and Ghana can sell gift cards to different vendors. Each vendor has a profile and sets a rate, so users can compare their options before choosing who to trade with.
Beyond gift card trading, Tbay can be used to pay bills and buy airtime or data. It also has a rate calculator and lets users switch between Nigerian and Ghanaian wallets.
How we tested Tbay
We conducted a test on Tbay using a $20 US Razer Gold e-code. The researcher selected a vendor and submitted the card at 4:34 PM WAT. This test followed the process explained on our How We Review page.
The trade was completed at 4:44 PM, giving a trading time of 10 minutes. Withdrawing the money to a Nigerian bank account took another three minutes.
Trading experience
The rate for the trade was 88.37%, or approximately 0.8837 points per $1. Tbay showed an order amount of 18.6989097 points, approximately ₦23,540.23. After the transaction was reviewed, 17.12 points were settled, which Tbay displayed as approximately ₦21,552.53. The researcher received ₦21,552 in their bank account.
The transaction included a dispute deduction of 0.55376 points for “incorrect balance or local currency.” The total difference between the order amount and final settled amount was 1.5789097 points. Tbay also added a 0.2% member premium worth 0.03417165 points and a 6% rate-up coupon worth 1.0251497 points. No withdrawal fee was recorded.
The researcher had trouble switching between e-code and physical-card submission and had to contact support. A human responded in under one minute, and the trade was eventually completed. Promotional messages also interrupted parts of the process.
Tbay gives users several vendors to choose from, but that also means the experience can depend on the vendor selected. The rate and expected amount were visible, although the different order, dispute, bonus and settlement figures made the final calculation harder to follow.
Our test results
Measured on 6 September 2026.
| Rate received | We tested a $20 US Razer Gold e-code. The rate was 88.37%, or approximately 0.8837 points (₦1,077.63) per $1. |
|---|---|
| Tested payout time | 10 minutes |
| Bank withdrawal time | 3 minutes |
| Support first response | 1 minute |
| Test date | 6 September 2026 |
- Rate received
- We tested a $20 US Razer Gold e-code. The rate was 88.37%, or approximately 0.8837 points (₦1,077.63) per $1.
- Tested payout time
- 10 minutes
- Bank withdrawal time
- 3 minutes
- Support first response
- 1 minute
- Test date
- 6 September 2026
Platform facts
| Gift cards supported | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox |
|---|---|
| Payout methods | Bank Transfer |
| Countries served | Nigeria, Ghana |
| Fee structure | For this trade, Tbay showed an order amount of approximately ₦23,540.23 (18.6989097 points) and a settled amount of approximately ₦21,552.53 (17.12 points). That leaves a difference of approximately ₦1,987.70 (1.5789097 points). The order page did not clearly label this total difference as a fee, so we calculated it by comparing the order amount with the settled amount. It should not be treated as a standard Tbay charge. The transaction breakdown also showed a dispute deduction of approximately ₦697.13 (0.55376 points). Tbay gave the reason as “incorrect balance or local currency.” This was specific to the tested transaction and is not presented as a regular Tbay fee. |
| KYC requirements | Tbay did not request identity verification during our test. The account was created using an email address, username and password. |
| Payout currencies | Naira, Cedis |
| Other features | Rate calculator, Bill payments, Airtime and data purchases, Nigeria and Ghana wallet switching |
- Gift cards supported
- Amazon, AMEX, Apple / iTunes, eBay, Footlocker, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox
- Payout methods
- Bank Transfer
- Countries served
- Nigeria, Ghana
- Fee structure
- For this trade, Tbay showed an order amount of approximately ₦23,540.23 (18.6989097 points) and a settled amount of approximately ₦21,552.53 (17.12 points). That leaves a difference of approximately ₦1,987.70 (1.5789097 points). The order page did not clearly label this total difference as a fee, so we calculated it by comparing the order amount with the settled amount. It should not be treated as a standard Tbay charge. The transaction breakdown also showed a dispute deduction of approximately ₦697.13 (0.55376 points). Tbay gave the reason as “incorrect balance or local currency.” This was specific to the tested transaction and is not presented as a regular Tbay fee.
- KYC requirements
- Tbay did not request identity verification during our test. The account was created using an email address, username and password.
- Payout currencies
- Naira, Cedis
- Other features
- Rate calculator, Bill payments, Airtime and data purchases, Nigeria and Ghana wallet switching
App store reviews
Ratings pulled directly from the app stores where Tbay is listed.
| Apple App Store | 4.6 ★ · 3,437 ratingsFetched 30 September 2026 |
|---|---|
| Google Play Store | 4.5 ★ · 42,411 ratingsFetched 30 September 2026 |
- Apple App Store
- 4.6 ★ · 3,437 ratingsFetched 30 September 2026
- Google Play Store
- 4.5 ★ · 42,411 ratingsFetched 30 September 2026
AI-generated summary of recent app store reviews — updated 30 September 2026.
Positive reviews frequently describe Tbay as a fast, reliable, and intuitive platform for trading gift cards. Satisfied users highlight competitive exchange rates, smooth transactions, and positive experiences with specific vendors, with several calling the service trustworthy and efficient.
Conversely, complaints focus heavily on withdrawal problems, including blocked funds, fake transaction IDs, and automated customer support. Network connectivity is another recurring issue, as the app frequently fails to open or function under weak signal coverage. Serious security and privacy concerns are also raised, alongside reports of valid gift cards being falsely flagged as invalid or already redeemed.
Notably, several reviewers giving five-star ratings still describe severe active faults, such as locked withdrawals and account lockouts, while others warn users against counterfeit apps impersonating the platform.
What people are posting about Tbay
Posts selected by our editors. They play on this page once you choose to load them, and are not part of our scoring.
- TikTokTrade your gift cards on Tbay Mini App on Telegram; no vendors, no stress, super convenient! Use my invite code: 8mPc6q, sign up and get ₦600 bonus instantly! @tbay__official #Tbayminiapp #TradeonTbay #Giftcard #Giftcards #NigeriaView original post
Compared with others
Frequently asked questions
Is Tbay a legitimate gift card trading platform?
Tbay is an active gift card marketplace with official web, Android and iOS products. In our September 2026 test, we completed a $20 Razer Gold trade and received ₦21,552 in a Nigerian bank account. That successful test is useful evidence, but it does not guarantee the outcome of every trade. Tbay uses different vendors, so check the selected vendor, rate and expected payout before submitting your card.
How does selling a gift card on Tbay work?
Tbay works as a marketplace. You choose your gift card, review available vendors and rates, and select a vendor for the trade. After the card is checked and the transaction is settled, the value appears as Tbay points that can be withdrawn or used for supported services.
How long does Tbay take to pay?
Our completed Tbay test took 13 minutes from card submission to receipt in the researcher’s bank account. The gift card trade took 10 minutes to settle, and the bank transfer took another three minutes. This is one measured result, not a guaranteed payout time for every trade.
Does Tbay require BVN or other KYC documents?
Tbay did not request BVN, NIN, an identity document or facial verification during our test. We created the account using an email address, username and password.
Can I withdraw money from Tbay to a Nigerian bank account?
Yes. Our researcher withdrew the proceeds of the completed test to a Nigerian bank account. The transfer arrived three minutes after withdrawal.