Account limits by tier

Your account limits increase as you complete verification and move up tiers. An unverified (Tier 0) account must complete verification before it can transact at all.

Limits by verification 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 (spend/send per day)	₦50,000	₦5,000,000

What each limit means

Limit	What it means
Max wallet balance	The most your wallet can hold at once
Max single deposit	The largest amount you can add in one transaction
Max single transfer	The largest amount you can send in one transaction
Max daily debit	The total you can send or spend in a day

How tiers affect limits

• Tier 0 (unverified): You'll need to complete verification before you can transact.
• Tier 1: Completing email, BVN, selfie, address and ID unlocks your everyday limits.
• Tier 2: Adding US ID, US address and income verification raises limits sharply and unlocks US banking features.

Where to check yours

Open Profile then Verification to see your current limits and tier.

Tip: If a transaction is blocked by a limit, completing the next tier is usually the fastest way to raise it.

See How to increase your limits and Verification tiers.