The Lagos Bus Rapid Transit (BRT) system has become one of the most efficient and affordable ways to move around the city, connecting major routes and reducing traffic congestion.
In 2026, Lagos upgraded its BRT payment system to make commuting even easier, with new digital options such as Cowry Cards, QR code payments, and contactless debit cards.
These modern methods have replaced the old cash-based system, helping passengers save time and enjoy smoother rides. In this guide, you’ll learn how to pay BRT fare in Lagos 2026 step by step — whether you prefer tapping your Cowry card, scanning your phone, or using other contactless payment options.
Overview of the Lagos BRT System
The Lagos Bus Rapid Transit (BRT) network is a structured public transport system designed to provide fast, reliable, and affordable bus services across key routes in the city.
It operates on dedicated lanes to reduce travel time and traffic congestion, connecting major areas such as Ikorodu, Oshodi, CMS, Mile 12, and Ikeja. Passengers board and alight at designated terminals and bus stops, ensuring order and safety during every trip.
In recent years, the system has evolved into a cashless transport network, powered by digital payment options like the Cowry Card, Tap2Go, and mobile wallet integrations. This upgrade allows commuters to pay quickly without handling cash, making daily travel more convenient.
Before you learn how to pay for BRT fare in Lagos 2026, here’s what has changed recently — the introduction of contactless payment technology and improved card recharging systems that make commuting smoother than ever.
Step-by-Step Guide on How to Pay BRT Fare in Lagos 2026
If you’re ready to start your journey, here’s a simple step-by-step breakdown of how to pay BRT fare in Lagos 2026 using the latest cashless methods available across all major routes.
Step 1: Get a Cowry Card or Download the Cowry App
To begin, you’ll need a Cowry Card — the official smart card for BRT payments in Lagos. You can buy and register one at any BRT terminal, authorized Cowry agent, or through the official Cowry website. Alternatively, download the Cowry mobile app on your smartphone to make digital payments directly without the physical card.
Step 2: Fund Your Account
Once you have your card or app, you’ll need to load money into your Cowry wallet. You can top up using:
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Bank transfer from your mobile app
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Debit card payments through the Cowry platform
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USSD codes provided by supported banks
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POS agents located at BRT stations and major bus stops
Your balance will reflect instantly, allowing you to pay for trips anytime.
Step 3: Tap or Scan When Boarding
When you arrive at the terminal, simply tap your Cowry Card on the validator machine at the gate or scan your QR code if you’re using the mobile app. The system automatically deducts the base fare, and the gate will open for you to board the bus. This contactless system ensures a faster, smoother boarding experience for all passengers.
Step 4: Confirm Your Balance and Trip
After tapping, check your screen or app to confirm that the fare was successfully deducted. Your Cowry account or app will display your remaining balance and trip details. This helps you monitor how much you’ve spent and how many trips are left before your next recharge.
Step 5: Exit and Tap Out (If Required)
Under the new distance-based fare system introduced in 2026, some longer routes now require passengers to tap out when exiting the terminal. This ensures you’re charged only for the distance you traveled. If your route requires it, simply tap your card or scan your code again at the exit validator.
With these easy steps, paying your BRT fare in Lagos has never been simpler or faster — no cash, no queues, just a tap or scan and you’re good to go.
Other Payment Options
As the city embraces a fully digital transport ecosystem, there are now several convenient Lagos BRT payment options in 2026 beyond the traditional Cowry Card. These alternatives make it easy for both residents and visitors to pay fares without stress or long queues.
1. Mobile Wallets (Opay, PalmPay, CowryPay Integration)
Commuters can now link their mobile wallets such as Opay, PalmPay, and CowryPay directly to their transport accounts. This allows you to pay BRT fares, recharge your Cowry wallet, and even track past trips straight from your phone. It’s a fast and secure way to go cashless on the go.
2. Contactless Debit Cards
In 2026, Lagos expanded its BRT Lagos cashless system to accept contactless debit and credit cards from major banks. You can simply tap your card on the validator at any BRT terminal — just like you would with a Cowry Card — and the fare will be deducted automatically. This is especially useful for occasional travelers who don’t want to manage a separate transport card.
3. NFC-Enabled Phones (Future Integration)
To make commuting even more seamless, LAMATA plans to introduce NFC-enabled smartphone payments, allowing passengers to tap their phones directly on the validator without needing a card. This future upgrade will connect the BRT system with digital wallets and banking apps, further simplifying public transport payments in Lagos.
Common Problems and How to Fix Them
Even with the improved BRT Lagos cashless system, commuters sometimes experience minor technical issues when using Cowry Cards or mobile apps. Below are some common problems and quick fixes to help you continue your journey without delay.
1. “My Cowry Card Didn’t Tap Properly”
If your Cowry Card doesn’t register when you tap it at the validator:
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Ensure the card is placed flat and steady on the reader for a few seconds.
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Check if there’s enough balance on your Cowry account.
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Try using another validator machine — sometimes the issue is with the terminal, not your card.
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If it still fails, visit the nearest Cowry customer service desk at the BRT terminal for assistance or card replacement.
2. “Payment Failed on App”
If you get a “payment failed” message on the Cowry app:
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Confirm that your internet connection is stable.
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Check that your bank card or wallet is properly linked and funded.
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Restart the app and retry the transaction.
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If the issue persists, contact Cowry support through the in-app help center or official website for refund or troubleshooting.
3. “Card Not Reading”
If the validator doesn’t recognize your card at all:
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Inspect the card for physical damage or dirt on the chip area.
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Clean it gently and try again.
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If your card still doesn’t work, it might be expired or demagnetized. Request a replacement at any major terminal.
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Always register your Cowry Card to your name and phone number — that way, you can recover your balance even if the card gets damaged.
By staying calm and following these steps, you can quickly fix most issues and continue enjoying the ease of cashless BRT payments in Lagos.
Conclusion
Paying for your BRT trip in Lagos has never been easier. With the introduction of Cowry Cards, mobile wallets, and contactless payment options, commuters now enjoy faster, safer, and more convenient rides across the city.
Whether you’re a daily traveler or an occasional passenger, understanding how to pay BRT fare in Lagos 2026 helps you save time and avoid unnecessary delays. As Lagos continues to modernize its public transport system, embracing these cashless solutions ensures you’re always travel-ready for the future of commuting.
Frequently Asked Questions
How can I check my Cowry card balance?
You can check your Cowry card balance in several ways.
Via the Cowry mobile app or website:
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Open the Cowry app on your smartphone and log in. Navigate to “My Cards” or “Check Balance” to see your card’s current balance and transaction history.
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You can also log into your account on the Cowry website to view your balance under the “View Balance” or “Check Card Balance” section.
Via a validator/self‑service terminal at a transport hub:
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At any BRT, ferry, or rail terminal that uses Cowry cards, you can tap your physical Cowry card on the validator machine. The screen will display your remaining balance or allow you to check it manually.
Important to note:
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Payment for regulated public transport in Lagos should be via the Cowry card or other authorized electronic means. Cash is generally discouraged.
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A USSD code for balance check may not be widely available, so relying on the app, website, or validator machine is safest.
Summary: Open the Cowry app or website to check your balance, or tap the card at a terminal before boarding to ensure sufficient funds for your trip.
Can I pay BRT fare with my phone in Lagos?
Yes, you can use your phone to manage payments, but full phone-only payment is not yet universally available.
What you can do with your phone:
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Use the Cowry mobile app to top up your wallet, view your card balance, and transfer funds from your bank.
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The app allows you to manage your account and ensure your card is funded for boarding.
What you may not yet fully do:
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Tap your phone directly at the validator without a physical card may not be supported across all routes.
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Typically, you still need to tap the Cowry card at the terminal, using the phone primarily as a management tool.
In short: You cannot fully replace the physical card with your phone in most cases, but you can use the app to fund and manage your Cowry card for payment.
Is cash still accepted on BRT in 2026?
Cash is largely not accepted for BRT rides or other regulated transport in Lagos.
Current status:
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LAMATA requires payment via Cowry card or other designated electronic means. Cash payments are discouraged or disallowed.
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The state waterways authority has also adopted a cashless system for ferry services.
Implications for 2026:
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Cash will likely not be accepted on BRT routes or other regulated transport services.
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Relying on cash may lead to being denied boarding or charged extra.
Recommendation: Always have a valid Cowry card with sufficient balance or a linked e-wallet. Cash should not be relied upon for payment on BRT services.
How to get a BRT card in Lagos?
To get a BRT card in Lagos, you can visit any of the designated BRT or transport terminals where Cowry cards are sold. Typically, these include major BRT stations like Ojota, CMS, Mile 12, and Ikeja. At the terminal, request a new Cowry card at the ticketing or customer service counter.
You will be required to provide basic identification details, and a one-time purchase fee is charged for the card itself. After acquiring the card, you can immediately top it up with funds either at the terminal, via the Cowry app, or other approved digital platforms.
How to pay for BRT with phone?
You can pay for BRT using your mobile phone by linking your phone to the Cowry system. First, download the Cowry app and create an account. Fund your wallet through the app using your bank account, debit card, or other digital payment methods.
While the app itself cannot fully replace the physical card on most routes, it allows you to load money onto your Cowry card. You then use the card to tap at the BRT validator. Some terminals may also offer QR code or NFC options in the future, but currently, the phone primarily functions as a management and top-up tool.
What time does BRT close in Lagos?
BRT services in Lagos generally operate from 5:00 AM to 11:00 PM, although this can vary slightly depending on the specific route and terminal. Peak hours usually see increased frequency, while late-night services may be reduced. It is advisable to check the schedule for your specific route to avoid missing the last bus of the day, especially if traveling from farther terminals.
Does Cowry have an app?
Yes, Cowry has a mobile application available for both Android and iOS devices. The app allows users to:
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Check card balance and transaction history.
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Top up funds on the Cowry card.
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Link bank accounts or digital wallets for seamless top-up.
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Manage multiple Cowry cards.
The app provides convenience for users who want to monitor and manage their public transport funds without needing to visit a terminal.
How do I use my mobile phone to pay my bus fare?
To use your mobile phone to pay your bus fare, you need to link your phone to your Cowry account. After installing the Cowry app, fund your Cowry wallet through digital payment methods.
While you may not be able to tap your phone directly at all BRT validators, your phone allows you to ensure your Cowry card is funded, transfer funds, and check your balance. Essentially, your phone becomes a tool to manage the payment, while the physical card is used to tap at boarding points.
Can I top up my Cowry card online?
Yes, you can top up your Cowry card online through the Cowry app or website. Payments can be made using bank cards, mobile banking apps, or other supported digital payment methods.
After topping up, the funds are reflected on your card immediately or within a short processing time. This makes it convenient to ensure sufficient balance for your BRT or ferry trips without visiting a physical terminal.
Who is the owner of BRT in Lagos?
The BRT system in Lagos is owned and managed by the Lagos Metropolitan Area Transport Authority (LAMATA). LAMATA is responsible for planning, operating, and regulating the BRT buses and infrastructure, including ticketing, terminals, and lane management. The buses themselves are operated under public-private partnership agreements with licensed transport companies, but oversight and policy direction come from LAMATA.
How to check BRT balance?
To check your BRT balance, you can:
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Tap your Cowry card at a validator machine at any BRT terminal. The screen will display your remaining balance.
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Use the Cowry mobile app to view your card balance in real time.
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Visit a Cowry service counter at a terminal and request a balance check.
Using the app is the most convenient way as it allows you to monitor your balance and transaction history at any time.
What is the penalty for BRT lane?
Penalties for unauthorized use of BRT lanes in Lagos are enforced by traffic authorities. Vehicles that violate BRT lane rules may face:
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Fines for lane violation, which can vary depending on the severity and type of vehicle.
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Vehicle impoundment in repeated offenses.
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Legal action for commercial or repeated offenders.
The BRT lanes are reserved for authorized buses to ensure smooth and rapid transit, and unauthorized vehicles disrupting this system are subject to these penalties.
How do I check my Cowry balance on my phone?
To check your Cowry balance on your phone:
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Open the Cowry app.
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Log in to your account.
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Navigate to “My Cards” or the balance section.
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Your current balance and transaction history will be displayed.
This allows you to monitor your funds without visiting a terminal, making it easy to ensure sufficient balance before boarding.
What is the price of a BRT card?
The price of a BRT Cowry card is generally around ₦500 to ₦1,000 as a one-time issuance fee. Prices may vary slightly depending on the terminal or promotion. After purchase, you will need to top up the card with funds to pay for your bus rides.
Who is the owner of Cowry card?
The Cowry card is issued and managed under the supervision of LAMATA in partnership with private technology providers. LAMATA oversees the payment system, while the cards themselves are operated as part of the integrated electronic fare system for Lagos public transport, including BRT, ferries, and certain rail services.
How much is a BRT card?
The cost of a BRT (Bus Rapid Transit) card in Lagos is generally set to be affordable and accessible to daily commuters, with the price varying slightly depending on where and how you purchase it.
As of the latest information, a standard BRT card is priced around 1,000 to 1,500 Nigerian Naira. This initial cost covers the card itself and sometimes includes a small amount of preloaded balance that can be used for your first trips.
BRT cards are designed to offer convenience for regular commuters, enabling cashless travel on all BRT buses within Lagos. They function as reloadable smart cards, meaning that after the initial purchase, you can top up your balance at BRT stations, designated kiosks, or online through mobile apps and banking platforms.
This system significantly reduces the need to carry cash and speeds up boarding, which is particularly useful during peak hours when traffic congestion is high.
Furthermore, having a BRT card also provides an added layer of security, as the card can be blocked or replaced if lost or stolen, protecting the funds stored on it. For frequent users, the cost of the card is minimal compared to the convenience and savings over paying cash fares for multiple trips.
In conclusion, while the card itself has a one-time purchase cost, its benefits in terms of convenience, security, and ease of travel make it an essential tool for daily commuters in Lagos.
Does a Cowry card expire?
Yes, a Cowry card does have an expiration date. Typically, these cards are valid for a set number of years from the date of issuance, often around three to five years, depending on the policy of the issuing authority.
Once the card reaches its expiration date, it will no longer function for fare payments, and any remaining balance must be transferred or refunded according to the guidelines provided by the card issuer.
The expiration mechanism ensures that the card system remains secure and that damaged or outdated cards are periodically replaced. Users are usually informed of their card’s expiration date when they purchase it, and reminders can sometimes be sent via SMS or email if the card is registered.
If a Cowry card expires, holders must visit designated BRT service centers to either renew the card or acquire a new one, ensuring that their funds and travel history are preserved.
Overall, being aware of your card’s expiration is crucial to avoid inconvenience during travel, especially for commuters who rely heavily on the card for daily transit in Lagos.
Who is the owner of BRT in Lagos?
The Lagos Bus Rapid Transit (BRT) system is a public-private partnership project primarily managed and operated by the Lagos State Government. The government plays a central role in funding, regulation, and oversight, ensuring that the service aligns with urban transportation policies and serves the needs of commuters efficiently.
While the Lagos State Government owns the infrastructure, the actual operation of buses is often handled through private contractors or operators licensed by the government. This structure allows for professional management of daily operations while ensuring government oversight to maintain standards of safety, punctuality, and fare regulation.
The BRT system was introduced to reduce traffic congestion, improve travel times, and provide a reliable mode of transport in one of Africa’s busiest cities. By maintaining ownership of the system, the government can prioritize public interest, integrate the BRT with other transport initiatives, and ensure that fares remain regulated and affordable for citizens.
How do I check my balance on my BRT Cowry card?
Checking the balance on a BRT Cowry card is straightforward and can be done in several ways to ensure convenience for commuters. The most common method is to use the BRT stations’ electronic card readers, where inserting or tapping your card on the machine will display your current balance.
Additionally, some mobile apps associated with the BRT system allow registered users to check their balance digitally. These apps often provide extra features such as top-up options, travel history, and alerts for low balances. For commuters without smartphones, balance checks can also be performed at official kiosks or customer service points at major BRT terminals, where staff can provide real-time information and assistance.
It is important for users to regularly check their balance to avoid insufficient funds during travel, particularly for frequent commuters or those traveling long routes. Keeping the card registered can also provide added security, as the balance can be transferred to a new card in case of loss or damage.
How much is a 1 month Nol card?
A one-month NOL (Nigeria Online) card, which allows unlimited travel on designated bus routes within Lagos, is a subscription-based option designed for frequent commuters. The cost of a monthly card varies depending on the routes included, but it generally ranges between 10,000 and 15,000 Naira. This price covers unlimited rides on BRT buses during the validity period, making it an economical choice for daily travelers.
The monthly NOL card is advantageous because it eliminates the need to constantly top up for each journey, offering a predictable and budget-friendly way to manage commuting expenses. Users can purchase and renew the card at BRT stations, authorized banks, or through mobile platforms, ensuring accessibility and convenience.
In addition to cost savings, the monthly card helps commuters plan their transportation more efficiently and reduces the hassle of carrying cash or worrying about insufficient balance. It also encourages consistent use of public transport, contributing to reduced traffic congestion and environmental benefits for the city.
How many BRT stations are in Lagos?
The Lagos Bus Rapid Transit (BRT) system has a network of dedicated stations strategically placed to serve key areas of the city. Currently, there are approximately 26 operational BRT stations along the main corridors, with plans for expansion to accommodate the growing population and increasing demand for efficient public transportation.
These stations are designed with commuter convenience in mind, featuring covered waiting areas, electronic ticketing systems, and information displays showing bus arrival times. The placement of BRT stations ensures that major residential, commercial, and industrial zones are connected, reducing travel times and improving accessibility for commuters.
The BRT system also integrates with other transport modes, allowing passengers to easily transfer to feeder buses or other public transit options. Expansion plans include additional stations along new routes, which aim to further reduce traffic congestion and provide a reliable alternative to private vehicle use. The development of these stations has not only enhanced mobility in Lagos but also contributed to the modernization of the city’s public transport infrastructure.
Who is the richest transporter in Nigeria?
The title of the richest transporter in Nigeria is often attributed to individuals who have invested heavily in logistics, road transport, and fleet operations. One of the most prominent figures in this sector is Olusegun Agagu, who has built a vast transportation business over the years. Wealth in this sector is usually measured by the size of the transport fleet, the scope of operations, and revenue generated from passenger and freight services.
Transport business in Nigeria is highly lucrative due to the high demand for both passenger travel and goods movement across the country. Successful transport entrepreneurs often diversify their investments into related sectors such as real estate, vehicle leasing, and logistics services. Their wealth accumulation is a result of strategic business expansion, innovation in service delivery, and effective management of operations despite challenges like traffic congestion and regulatory hurdles.
Overall, the richest transporters in Nigeria have achieved financial success by combining entrepreneurial vision with resilience in a sector that is essential for the country’s economy.
Who is Akin Abayomi?
Akin Abayomi is a notable Nigerian public figure and medical professional who currently serves as the Commissioner for Health in Lagos State. He is widely recognized for his leadership role in public health administration, especially in times of health crises such as disease outbreaks and the COVID-19 pandemic.
Dr. Abayomi has an extensive background in medicine, public health, and healthcare management, which has positioned him as a key decision-maker in implementing policies aimed at improving healthcare delivery in Lagos. Under his tenure, significant efforts have been made to strengthen public health infrastructure, increase access to medical services, and promote awareness campaigns on disease prevention.
In addition to his administrative duties, Akin Abayomi has contributed to medical research and has been involved in several initiatives to enhance healthcare education and training in the state. His work has earned him recognition both locally and internationally, making him one of the most influential figures in Nigeria’s healthcare sector.
Does BRT work on weekends?
Yes, the BRT system in Lagos operates on weekends, but the schedule may differ slightly from weekday operations. Weekend services are typically designed to accommodate lower passenger volumes, meaning that buses may run less frequently compared to peak weekday hours.
Operating BRT services on weekends is essential for providing continuous mobility for residents who travel for leisure, shopping, social activities, or weekend employment. It also ensures that Lagosians who rely on public transport are not stranded during non-working days. Commuters are advised to check the specific weekend timetable at BRT stations or through official mobile apps to plan their trips effectively, as timing and frequency can vary depending on the route and station.
The weekend operation demonstrates the flexibility and reliability of the BRT system, making it a dependable option for daily travel regardless of the day of the week.
Is BRT a bus or train?
The BRT in Lagos is a bus-based transport system, not a train. “BRT” stands for Bus Rapid Transit, which refers to a high-capacity bus system designed to offer efficient and fast travel similar to light rail or metro systems, but using buses instead of trains.
BRT systems typically operate on dedicated lanes to avoid traffic congestion, allowing for faster travel across urban areas. They are equipped with modern buses, ticketing systems, and stations that resemble light rail stops to facilitate quick boarding and alighting. Unlike trains, BRT buses can navigate both dedicated corridors and city streets, offering greater flexibility in route planning and coverage.
The Lagos BRT is designed to provide a reliable alternative to private vehicles and conventional buses, addressing traffic congestion and improving urban mobility. Its bus-based nature makes it more adaptable and less expensive to expand compared to rail-based systems, while still offering efficiency, safety, and comfort for commuters.
Who brought BRT to Lagos?
The Bus Rapid Transit (BRT) system in Lagos was introduced by the Lagos State Government under the leadership of former Governor Bola Ahmed Tinubu. The initiative was part of a broader effort to modernize public transportation in the city, reduce traffic congestion, and provide residents with an efficient and reliable transit option.
The Lagos State Government partnered with private operators and international consultants to design and implement the BRT system. This collaboration ensured that global best practices were integrated into the project, including the use of dedicated bus lanes, modern ticketing systems, and structured schedules. The aim was to create a transportation model that could handle high passenger volumes while maintaining speed, safety, and comfort.
Since its launch, the Lagos BRT has become a critical part of the city’s transport network, serving thousands of commuters daily and inspiring similar projects in other Nigerian cities. Its introduction marked a significant milestone in urban mobility, demonstrating the government’s commitment to improving public infrastructure and reducing the challenges of daily commuting in Lagos.
Who is driving the richest car in Nigeria?
The title of the person driving the richest car in Nigeria usually refers to individuals who own ultra-luxury or high-value vehicles, often purchased as a symbol of wealth and status. Among prominent Nigerians, business magnates, top entertainers, and wealthy politicians are known to own high-end vehicles such as Rolls-Royce, Bentley, Lamborghini, and Ferrari models, often worth hundreds of millions of Naira.
The richest car is typically driven by those who have made significant financial achievements, whether in the oil and gas sector, real estate, banking, or entertainment. These vehicles are not only expensive but are also customized with advanced features, reflecting both the owner’s wealth and personal taste. In Nigeria, owning and showcasing luxury cars is often considered a status symbol, and the individuals behind such cars are frequently in the public eye due to media coverage and social recognition.
How do I check my BRT Cowry card balance on my phone?
Checking your BRT Cowry card balance on your phone is convenient and can be done in several ways. Most commonly, registered Cowry card users can use official mobile applications provided by the Lagos BRT or affiliated financial institutions. By logging into the app, users can view their current balance, track recent transactions, and even top up their cards directly from their bank accounts or mobile wallets.
For commuters without smartphones, some services allow balance inquiries via USSD codes, where you dial a specific number from your phone, enter your card details, and receive the balance instantly through an SMS. Regularly checking your balance ensures uninterrupted travel, prevents insufficient fund scenarios, and helps manage your monthly transport budget efficiently.
Digital access to card balances also enhances security, as users can monitor unusual transactions or report issues promptly, ensuring funds are protected in case of loss or theft.
Can I top up my Cowry card online?
Yes, you can top up your Cowry card online. The BRT system has partnered with various banks, mobile payment platforms, and official apps to facilitate seamless recharge options. Users can add funds using debit cards, bank transfers, or mobile money services, ensuring they never run out of balance during travel.
Online top-ups are particularly convenient because they eliminate the need to visit physical kiosks or stations. The process is usually instantaneous, with the new balance reflecting immediately in the user’s account. Additionally, online top-ups often provide transaction history, allowing users to track spending patterns and manage travel expenses more efficiently.
This system of digital recharging supports the government’s vision of a cashless and technologically integrated public transport network, reducing queues at stations and enhancing the overall commuting experience.
What is the penalty for BRT lane violations in Lagos?
In Lagos, driving in the BRT lane illegally is considered a traffic violation, and offenders are subject to fines and penalties enforced by the Lagos State Traffic Management Authority (LASTMA).
The penalties are designed to maintain the efficiency of the BRT system, ensure passenger safety, and discourage traffic congestion caused by unauthorized vehicles occupying the dedicated lanes.
Fines for BRT lane violations can vary depending on the severity of the offense, but they typically range from several thousand Naira to more significant amounts for repeated or deliberate infringements. Vehicles caught in BRT lanes without authorization may also be towed, and drivers can face additional administrative sanctions, such as points on their driving records.
Strict enforcement of BRT lane regulations is essential for maintaining the rapid transit system’s reliability. By ensuring that only authorized buses use the dedicated lanes, commuters experience faster travel times, reduced delays, and a safer journey across the city.