Help centre.

Download the app or open your account on the web, give your details, and verify your identity. Most people are done in under ten minutes.

A government-issued ID and a selfie. Business accounts also need proof the business exists — a registration document or equivalent.

Local Nigerian transfers are usually instant. ACH into your USD account settles in one to three business days; wires are typically same day.

The app shows the actual reason — balance, a limit you set, or a merchant category. If it says none of those, contact support and we will trace it.

Open the card and tap freeze. It takes effect immediately and you can unfreeze it just as fast.

Yes. The account is built for people who earn in one place and spend in another.

Withdraw to any bank account you control, in any currency you hold, from the app.

Contact support with the reference. Failed payments are returned to your balance automatically; we will tell you when and why.