Understanding verification tiers and what each unlocks

Verification tiers determine your account limits and which features you can use. The more you verify, the more you unlock.

Tier 0 — unverified

Before you verify, your account is at Tier 0 and you can't transact. Complete verification to start moving money.

Tier 1 — basic

Completing email, BVN, selfie, address and your ID document brings you to Tier 1. This:

• Raises your everyday limits (balance, deposits, transfers and daily debits)
• Unlocks core wallet features for NGN and USD

Tier 2 — enhanced

Tier 2 is needed for US banking features. It typically requires:

• A US ID document
• A US address
• Income verification

Reaching Tier 2:

• Unlocks US banking features such as adding money from a US bank via ACH
• Raises your limits further

Limits by tier

Limit	Tier 1	Tier 2
Max wallet balance	₦200,000	Unlimited
Max single deposit	₦200,000	₦50,000,000
Max single transfer	₦20,000	₦1,000,000
Max daily debit	₦50,000	₦5,000,000

Tier 0 (unverified) cannot transact until verification is complete.

Where to check your tier

Open Profile then Verification. The progress tracker shows your current tier and what's left to complete the next one.

Tip: Higher tiers raise your max balance, max single deposit, max single transfer and max daily debit.

See the limits breakdown in Account limits by tier and How to add money from a US bank.