When I first started betting online as a university student in Nigeria, 1xbet immediately stood out to me as a reputable and feature-rich betting site. However, its signup and registration process seemed daunting. In this article, I will explain step-by-step how to easily signup and register with 1xbet with different account credentials like username, phone number or email. I will also cover how to download the 1xbet app and withdraw your winnings in Nigeria. 

1xbet offers three main options to register an account – using your phone number, email address or creating a unique username. Let’s explore each option in detail:

How to Register 1xbet account with Phone Number 

To register with your phone number, go to the 1xbet website and click on “Register”. Enter your phone number in the requested field. 1xbet will then send you a text message with a verification code. Enter the code you received to verify your number and complete the registration process. 

How to Register 1xbet account with Email 

You can also register with your email address instead of phone number. Type your email in the registration form on 1xbet’s site. They will then send a verification link to your email – just click on it to verify your email and finish signing up.

How to Register 1xbet account with a Username

The third registration choice is to make up a username of your choice. Pick a username and enter it during signup. Then make up a secure password to complete the registration process.

How to Login into Your 1xbet Account

After signing up, you can login to your 1xbet account by:

Login with Phone Number

Enter your registered phone number and the password you created during registration. 1xbet will send an OTP code to your number – enter it to login.

Login with Email 

Type your registered email ID and password to login via email. 

Login with Username

For username registration, simply enter your unique username and password to access your 1xbet account.

How to Download the 1xbet App

While the website works great, I’d recommend using 1xbet’s app for an enhanced mobile betting experience. Here are the steps to download 1xbet app

For Android

Go to Google Play Store and search for “1xbet“. Download the top result called “1xbet – Betting & Sports” by KAXBET LTD. Install and open the app. Then login using your registered credentials.

For iOS 

Visit the Apple App Store and search “1xbet“. Install the top app called “1xbet – Betting & Sports” by KAXBET LTD. Launch and sign in with your login details.

Now that you’re signed up and using 1xbet, here are the steps to withdraw your winnings

• Go to the “Finance” section and ensure your bank details are correctly added. You can add multiple local Nigerian bank accounts. 
• Navigate to “Withdraw Funds” and enter the amount you want to withdraw. Select your preferred bank and check all details are correct before confirming. 
• 1xbet aims to process withdrawals within 24 hours. You’ll receive an email once the funds are sent. Check your bank account within 1-3 working days to receive your money.

1xbet Bank Transfer Limit

For security, there is a daily withdrawal limit of 350,000 NGN via bank transfer in Nigeria. You can withdraw larger amounts by contacting customer support.

Frequently Asked Questions

Why can’t I withdraw from my 1xBet account?

One reason you might not be able to withdraw funds from your 1xBet account is that your profile is not fully verified. This includes both age and identity verification. If your profile is not verified, 1xBet may not allow you to withdraw funds due to security and anti-money laundering regulations.

Can I withdraw money from my 1xBet account to my OPay?

Yes, you can withdraw money from your 1xBet account to your OPay account.

Conclusion

I hope this detailed guide has helped explain everything you need to know about signing up, logging in, downloading the app and withdrawing winnings when using the famous betting site 1xbet in Nigeria. 

Do let me know if you have any other questions! Wishing you the best of luck with your sports bets games on 1xbet.

When I first started betting on Bet9ja a few years ago, the process seemed overly complex. As an avid sports fan, I wanted an easy and seamless way to place wagers on my favorite teams and games. However, navigating the different login options on the Bet9ja site and mobile apps always left me confused. 

Over time, as technology advanced and Bet9ja refined its user experience, logging in became more streamlined.

 In this article, I will explain the different Bet9ja login methods available today so you don’t have to go through the same frustration that I did. 

What is Bet9ja? 

Before getting into the login details, it’s helpful to understand what Bet9ja is. Bet9ja is one of the largest and most popular online sports betting platforms in Nigeria. Founded in 2013, it has revolutionized the betting industry in the country by providing users a convenient digital platform to place bets on various local and international games. Some key things to know about Bet9ja include:

• Offers betting markets on football, basketball, tennis, boxing and more 
• Accepts deposits and payouts in major currencies like NGN, USD, Euros
• 24/7 live chat and call center customer support  
• Secure payments through methods like bank transfers, airtime, Bitcoin
• Easy to navigate website and responsive mobile apps

Now that we have a basic overview of Bet9ja, let’s go into how users can log into their accounts.

Read also: How to Close, Delete, or Deactivate Your Bet9ja Account Easily

How to Login to Bet9ja Using Your Username and Password

The most common Bet9ja login method is by using your username and password. Here are the simple steps:

1. Go to the official Bet9ja website on your laptop/desktop or open the mobile app.

2. Locate the “Login” button or tab. 

3. Enter your Bet9ja username in the provided field.

4. Enter your account password in the password field. 

5. Click the “Login” button to sign in.

It’s advisable to save your credentials by enabling the “Remember Me” option so you don’t have to enter them each time. Just be sure to log out and close all browser tabs when accessing from a public device.

How to Reset Your Bet9ja Password 

In case you forget your Bet9ja password, don’t panic. Follow these steps:

1. Click the “Forgot Password?” link on the login page. 

2. Enter your registered email address or phone number.

3. Bet9ja will send a password reset link to the provided contact details. 

4. Open the email/SMS and click the link.

5. Choose a new password and login.

How to Login to Bet9ja With Your Phone Number

For users who wish to login with their mobile number instead of a separate username, here is how it’s done:

1. Click the “Login” button and select “Phone Number”.

2. Input your registered Nigerian phone number. 

3. Bet9ja will send an OTP (One-Time Password) via SMS.  

4. Input the OTP code received to verify your identity.

5. Upon validation, you will be logged into your Bet9ja account.

How to Login to Bet9ja With Your Email Address 

Similar to phone login, Bet9ja account holders have the flexibility to sign in using their email address:

1. Tap “Login” and choose “Email Address”

2. Enter your registered Bet9ja email ID 

3. An OTP will be emailed, open the message and copy the code

4. Paste the code in the prompted field to complete authentication

5. If correct, your Bet9ja account homepage will load

The Old Bet9ja Mobile Site 

For some users more comfortable with the older mobile version, here are the steps to access it

1. Open your phone’s browser (Chrome, Safari, etc.) 

2. Type “m.bet9ja.com” in the URL bar instead of the regular website

3. The old Bet9ja mobile site interface will load

4. Login using any of the above mentioned methods 

5. Now you can browse and place bets like before

How to Login to the Bet9ja Mobile App

To login via the Bet9ja app, follow these quick steps:

1. Download the official Bet9ja app from the Google Play Store or iOS App Store.

2. Open the app and tap “Login” 

3. Input your phone number, email, or username

4. Input your password or receive the OTP 

5. Verify the code and you’re in

The app provides the same features as the website in a more optimized mobile experience. Ensure your app is always up to date for the best performance.

Common FAQs About Bet9ja Login 

Can I change my Bet9ja login credentials?

Yes, Bet9ja allows changing your username, password, email, and phone number linked to your account. Visit “Account Settings” from the dashboard.

How much is Bet9ja maximum winning?

The maximum winning per bet on Bet9ja is NGN 50,000,000

Conclusion

In summary, Bet9ja provides multiple convenient options via username/password, phone number and email for logging into one’s account securely. Always be cautious of phishing attempts and keep your details private. I hope this guide has helped demystify the login process so you can easily place bets and have fun on your chosen platform. Let me know if any part needs further clarification.

When I first started using Chipper Cash as my main mobile money wallet in Nigeria, I had a few questions and needed some assistance from their customer support team. As someone new to mobile money in general, I wanted to make sure I understood how to properly use the various features and stay safe when sending or receiving payments.

Reaching Out via Phone

Initially, I tried calling the main Chipper Cash customer care phone number listed on their website. However, it took multiple attempts to finally get through as the line was constantly busy. After being on hold for almost 30 minutes during one call, I finally spoke to a representative who was able to answer some of my basic questions. While the agent was friendly and knowledgeable, the long wait time was frustrating.

Better Success with WhatsApp

After that experience, I decided to message Chipper Cash on WhatsApp instead of calling. To my surprise, I received a response within just a few minutes! The agent was just as helpful over messaging as they were on the phone. From then on, WhatsApp became my preferred method for contacting customer support. The near instant responses made troubleshooting issues so much quicker and less stressful compared to waiting on hold.

Chipper Cash Support Contact Information

Now that I’ve shared my experience, here are the main ways to get in touch with the Chipper Cash customer support team:

Phone Number

The primary customer care phone number for Chipper Cash in Nigeria is +234 700 CHIPPER (+234 700 2447737). Be prepared for potential wait times if calling during busy periods.

WhatsApp Number

I highly recommend using the WhatsApp support number instead: +234 901 CHIPPER (+234 901 2447737). Responses tend to be much faster compared to calling.

Email Address

You can also email Chipper Cash customer support at support@chippercash.com. However, response times may vary depending on ticket volumes.

Office Locations

Chipper Cash has several office locations across Nigeria where you can visit in person for support. Here are the main addresses
Lagos Office: 245 Broad Street, Lagos
Abuja Office: No 21 Abdulsalam Abubakar Way, Utako, Abuja
Port Harcourt Office: 3 Olu Obasanjo Road, Port Harcourt

Common issues and How to Get Assistance

Now that you know how to reach Chipper Cash support, here are some typical issues they can help with along with the recommended contact method.

Comparing Chipper Cash Support to Other Mobile Wallets

Based on using several mobile wallets across Nigeria, here’s a quick comparison of Chipper Cash customer support to some alternatives:
Flutterwave: Slightly faster WhatsApp responses but less help available via phone
Paga: Phone support is readily available but offices are spread less widely
Transfer: Easiest platform to self-serve online but wait times may be longer

In general, Chipper Cash provides very responsive multi-channel support through phone, messaging and offices. Agents are usually knowledgeable to fix most issues. While call wait times can vary, I’ve found the WhatsApp support line to be the quickest way for assistance.

Frequently Asked Questions

Is the Chipper Cash support number a toll-free line?

Yes, the main Chipper Cash customer care phone number +234 700 CHIPPER (+234 700 2447737) is a toll-free line within Nigeria. You will not be charged for calling it.

What are the support operating hours?

Chipper Cash customer support agents are available daily from 8:00 AM to 8:00 PM Nigeria time through all contact channels – phone, WhatsApp, email and offices.

Conclusion

In summary, the Chipper Cash support team provides helpful multi-channel assistance for issues ranging from payments and fees to account management and registration problems. While phone wait times can be lengthy at peak periods, messaging agents on WhatsApp is usually the quickest route to a resolution. Always come prepared with relevant documentation like transaction receipts or error messages. With some patience and proper documentation, you should be able to get any needs addressed by the competent Chipper Cash support representatives.

As a frequent traveller within West Africa, I was constantly struggling to send and receive money from friends and colleagues across borders. That was until I discovered Chipper Cash. In this article, I’ll walk through everything you need to know to download, set up, and start using Chipper Cash – the mobile money app taking Africa by storm.

What is Chipper Cash?

Chipper Cash is a fintech company that builds fast, low-cost digital money transfer networks across Africa. Through their mobile app and web platforms, anyone can send money to others across 7 African countries instantly and for very low fees. 

Countries where Chipper Cash works

Chipper Cash currently operates in 7 countries across West and East Africa

1 Nigeria 

As the largest economy in Africa, Nigeria is a key focus for Chipper Cash. You can send and receive money within Nigeria as well as to/from other countries.

2. Ghana

Chipper Cash live in Ghana allows for instant inter-country money transfers between Ghana and other Chipper countries. 

3. Uganda

Send and receive UGX directly from your Chipper Cash wallet in Uganda or abroad.

4. Kenya

Enjoy fast international money transfers to and from Kenya using the Chipper Cash app.

5. Tanzania 

Reach everyone in Tanzania with the ability to send TZS anywhere in the country.

6. Rwanda

Rwanda has seamlessly joined the Chipper network for convenient cross-border money transfers. 

7. South Africa

With South Africa now added, Chipper Cash links all major economies in Africa under one payment rail.

How to Download and Register for Chipper Cash

Let’s go through the quick and simple process to get started:

Download the App

Chipper Cash is available for download on both Android and iOS. Simply search for “Chipper Cash” in your phone’s app store and install. 

Open the app and tap “Sign Up.” Enter your phone number, then set a password and provide your full name. Chipper Cash will send an OTP for verification.

Verifying Your Identity  

Once verified, Chipper will ask you to upload valid ID and take a selfie for identity verification. This process usually takes 1-2 business days.

Adding Your Bank Account

With your profile complete, link your local bank account to your Chipper Cash account for funding and withdrawals. Follow the prompts to submit your account details.

Once your bank is verified, your Chipper Cash digital wallet is ready to use. You can now send and receive money domestically and across borders.

How to Use Chipper Cash

Let’s review the main ways to interact with Chipper Cash:

Sending Money

Select “Send” and enter the recipient’s phone number or username. Select the currency and amount then tap “Send.” Funds arrive instantly from your wallet.

Requesting Money  

Go to “Receive” and enter the sender’s phone or username. They will see a request and funds will hit your wallet once they pay. 

Topping Up Your Wallet

Under “Wallet”, tap “Deposit” and select your linked bank. Choose an amount and your account will refill within hours.

Cashing Out Your Balance

When you need to withdraw, go to “Wallet” then “Withdraw.” Enter your bank details and the funds will land in 1-3 days.

Checking Transaction History

View all your past sends, receives, deposits and withdrawals under the “Transactions” tab for records.

 Is Chipper Cash Safe and Legal? 

For many, one of the biggest concerns with digital payment platforms is security and legal compliance. Here is an overview of Chipper Cash’s credentials.

Licensed and Regulated

Chipper Cash is registered and licensed as an Electronic Money Issuer (EMI) by the Central Bank of Nigeria and regulated by other African financial authorities where it operates.

Secured by Bank-Grade Encryption

All transactions on the Chipper Cash app and website are secured by industry standard encryption to protect personal data and financial information.

Insured Protection    

Through strategic insurance partnerships, customer funds held within Chipper Cash wallets are insured in the event of any unforeseen losses or thefts of funds not due to customer negligence.

Global Partnerships

Notable strategic alliances with payment partners like Mastercard add extra oversight and accountability for customer security standards.

Frequently Asked Questions

What is Chipper cash USSD Code?

Chipper Cash’s USSD service *237 allows you make transfers using your phone’s basic functions without an internet connection or app.

Can I send money internationally with Chipper Cash?  

Yes, Chipper Cash facilitates instant low-cost international money transfers between all the countries they serve – Nigeria, Ghana, Uganda, Kenya, Tanzania, Rwanda and South Africa. 

Conclusion

In conclusion, Chipper Cash has revolutionized digital payments in Africa by making it fast and affordable to send money anywhere on the continent. 

Whether you need to pay bills, pay back friends, or receive wages, the Chipper Cash app provides a simple, secure and cost-effective solution. Downloading Chipper Cash gives you the freedom and convenience of digital money at your fingertips across national borders. I’ve loved using it for all my money transfer needs in Africa over the past two years. Give it a try – I’m sure you’ll be impressed too!

When I first heard about digital payment apps that allow seamless money transfers, I was excited by the prospect of sending and receiving funds with just a few taps on my phone. However, as someone new to the fintech space, I wasn’t sure which app would be the best option. After researching the top players in Nigeria, Chipper Cash quickly stood out to me as a user-friendly platform with competitive rates. 

In this article, I will share my experience going through the Chipper Cash registration process and performing my first bank transfer. By following the steps outlined below, you’ll learn how to set up your Chipper Cash account and confidently send money from the app directly to your bank account in just a few minutes.

How to Set Up Your Chipper Cash Account

To get started, go to the Google Play Store or Apple App Store and download the Chipper Cash app. Once installed, open the app and select “Sign Up” to begin the registration process. You’ll be prompted to enter your phone number which will be used for verification purposes going forward. Chipper Cash will then send an SMS message with a code to the number you provided. Enter this code to verify your number.

Next, you’ll need to select which country you are registering from. For Nigerian users, select “Nigeria.” The app will then ask you to enter your full name and choose a password of at least 6 characters. Double check that all your details are correct before tapping “Sign Up” to complete the registration. Within moments, your Chipper Cash account will be created and ready to use!

How to Link Your Bank Account

Now that your account is set up, it’s time to connect a bank so you can send and receive money. Tap the “Link Bank” option from the home screen. You’ll be presented with a list of supported Nigerian banks. Select the one you have an account with, for example Zenith Bank. Enter your bank account number and name as it appears on your bank statement or ATM card. 

Chipper Cash will then initiate an 0.5 Naira transaction to your bank as a verification method. Check your bank statement or mobile app within a few minutes to locate this transaction. Enter the amount you see debited from your account back into Chipper Cash to finalize the linking process. With your bank now connected, you can begin transferring funds effortlessly!

Sending Money to Your Bank Account 

To withdraw money from Chipper Cash to your linked bank account, start by tapping the “Bank Transfer” option. Select the bank you previously connected from the dropdown menu that appears. Then, enter the amount you want to withdraw in the “Amount” field – you can send from ₦100 up to ₦150,000 per daily transaction. 

Chipper Cash charges a low 1.5% fee for bank withdrawals, with a minimum of ₦30. Review the summary of your transfer details before tapping “Continue.” You’ll be prompted to enter your bank verification number (BVN) as an added security step. With that entered, press “Confirm” to initiate the funds movement. The money should reflect in your bank account within 10-15 minutes on most days. 

Tracking your transfer history is easy on Chipper Cash. Go to the “Transactions” tab to view past bank withdrawals and deposits at a glance. You can also check your bank statement or mobile app if needed. Withdrawals and deposits are usually posted instantly but may take up to a business day to fully reflect depending on your bank.

Additional Features For Your Convenience

Beyond bank transfers, Chipper Cash has several other nifty features that make managing funds simple:

Send Cash to Contacts: Search for other Chipper Cash users by phone number and send them money instantly. 

Request Cash: Have friends or family send money directly to your Chipper Cash wallet with just one click. 

Pay Bills: Pay internet, cable, credits cards and more directly from the app using bill pay codes.

Buy Airtime and Data: Top up your own or others’ cellular data and call credit seamlessly within Chipper Cash.

Change Currency: Convert Naira to USD and send dollars abroad at competitive exchange rates.

With all of these features alongside fast, low-cost money transfers to banks, Chipper Cash has become my go-to digital wallet in Nigeria. I hope these steps help guide you through the registration and setup process to start taking advantage of its convenient financial tools too.

FAQs About Sending Money from Chipper Cash to Bank 

What are the daily and monthly transfer limits on Chipper Cash?

The daily transfer limit for sending funds from Chipper Cash to bank is ₦150,000, while the monthly limit is ₦600,000. However, limits may vary depending on your account verification level.

Is there a charge to withdraw money from Chipper Cash to my bank account? 

Yes, there is a 1.5% fee for all bank withdrawals with a minimum charge of ₦30. These charges are deducted from the transaction amount at the time of sending the funds.

How long does it take for the money to reach my bank account?

Most Chipper Cash bank transfers are received within 10-15 minutes on regular business days. However, some banks may take up to one business day to fully credit the amount depending on their internal processing speeds.

Conclusion 

In summary, Chipper Cash provides a seamless way to send money between digital wallets and bank accounts right from your smartphone. With support for multiple Nigerian banks, competitive transfer fees, and a simple user-friendly interface, it’s no surprise Chipper Cash has quickly become a leading financial app in the region.

 If you’re looking for an effortless option for cashless payments and money transfers and need help registering or setting things up, I hope this step-by-step guide has answered all your questions on how to use Chipper Cash. Feel free to reach out if you need any clarification or have additional feedback.

Are you looking to delete or deactivate your Chipper Cash account for good? You’ve come to the right place. In this detailed guide, I’ll walk you through the entire process step-by-step so you can say goodbye to Chipper Cash with ease.

When I first opened my Chipper Cash account a few years ago as a college student, I was excited by the prospect of a budgeting and saving app tailored for students. However, over time I found myself not using the app much anymore. That’s when I decided it was time to close my account for good. But I soon discovered Chipper Cash didn’t make it very clear how to go about doing that. It took some digging around in the settings to finally figure out the process. That’s why I wanted to write this article – to save others the hassle.

Different Ways to Close Your Account

There are a few different actions you can take with your Chipper Cash account

Deleting Your Account

This fully deletes your account details from Chipper Cash’s systems. All your transaction history, saved details and connected bank accounts will be erased.

Deactivating Your Account

Deactivation temporarily pauses your account without deleting any of your data. Your account remains in Chipper Cash’s systems in an inactive state. 

Closing Your Account

Closing your account leaves your account details intact in Chipper Cash’s systems but removes access to the connected bank account so no further transactions can occur.

The steps I’ll outline below will walk through how to fully delete your Chipper Cash account from their systems for good.

Gathering the Information You’ll Need 

Before starting the deletion process, make sure to gather these key details

Chipper Cash Username/Email: You’ll need to log into your account one last time.

Connected Bank Account Details: Take note of the last 4 digits of the bank account number linked to Chipper Cash in case you need to reference it. 

Transaction History: If needed for taxes or records, export any transaction details from Chipper Cash before deleting your account.

Having these key pieces of info handy will help streamline the deletion process.

Logging into Your Chipper Cash Account on Desktop

To initiate the deletion process, you need to log into your Chipper Cash account through the website rather than the mobile app

1. Go to www.chippercash.com and click “Log In” 

2. Enter your Chipper Cash username/email and password  

3. Once logged in, click the menu icon in the top left and select “Settings”

Find and Select the “Close Account” Option  

From your Chipper Cash account settings page:

1. Select “Close Account” from the menu on the left side 

2. A popup will appear asking you to confirm closing your account

3. Check the box acknowledging this will permanently close your account  

4. Click “Continue” to proceed with deleting your Chipper Cash account

You’ll now see a short form to officially close your account:

1. Re-enter your Chipper Cash password for verification

2. Provide an alternative contact method like a phone number 

3. Read through the terms and conditions fully  

4. Select “I agree and want to close my account”

5. Click “Submit” to complete the deletion process

Within 1-3 business days, your Chipper Cash account and all associated data will be fully removed from their systems.

 Double Checking Your Bank Account is Deleted  

As a final step, I recommend logging into your bank account and verifying

1. The bank account connected to Chipper Cash is no longer linked in the account settings 

2. You no longer see any pending or recent transactions from Chipper Cash

This ensures your bank details have been properly removed from Chipper Cash with no chance of accidental future access.

Frequently Asked Questions about Closing a Chipper Cash Account

What happens if I change my mind after closing my account? 

Once your Chipper Cash account is closed, it is permanently deleted from their systems within 3 business days. So there is no way to retrieve or reactive a closed account. Be absolutely certain you want to close it before initiating the deletion process. 

Will closing my account affect any pending transactions?

Any pending transactions or automatic payments set up through Chipper Cash will be canceled once your account is closed. So make sure to cancel any recurring transfers before closing your account to avoid issues.

Conclusion

I hope this step-by-step guide has made it easy to understand how to fully delete, close or deactivate your Chipper Cash account for good. Be absolutely certain you want to terminate your Chipper Cash services before initiating the deletion process, as it cannot be undone. Let me know if you have any other questions!

Have you ever dreamed of receiving money from abroad easily and quickly without hassle? As someone living in Nigeria, I know how frustrating it can be to receive funds from overseas due to unfavorable exchange rates and long transaction times. This got me thinking – is there finally a cheaper and faster way?

What is Chipper Cash? 

Chipper Cash is a fintech company that allows users to send and receive money internationally with better exchange rates than traditional banks. Founded in 2018, Chipper Cash aims to make cross-border payments more affordable, accessible and instantaneous across Africa and beyond.

Read also: Forgot my Chipper Cash Password and Pin – How to Reset, Change and Recover Chipper Cash Password and Pin

How Does Chipper Cash Work?

To use Chipper Cash, you’ll need to download the app and register for a free account. Once verified, you can add your local debit card or bank account. This enables you to send and receive funds to other Chipper Cash users across several countries, including the ability to pay bills. Transactions are processed very quickly – I’ve received funds within minutes before!

Chipper Cash allows users to send and receive US dollars from the United States and other supported countries. When receiving dollars, Chipper Cash will convert the amount to Nigerian naira using their dollar exchange rate for the day. You can then cash out the naira amount to your linked bank account.

What is Chipper Cash’s Dollar Exchange Rate?

As of today, Chipper Cash offers an exchange rate of 1,707.41 NGN per USD. This means that for every US dollar you exchange, you’ll receive approximately 1,707.41 Nigerian Naira.

There is a daily transaction limit of $3,000 when receiving dollars on Chipper Cash. For higher amounts, you may need to complete multiple transfers over consecutive days while benefiting from their great exchange rates each time.

Once the sender completes payment using their debit card or bank account, you can expect to receive dollars in your Chipper Cash wallet within minutes. All transactions are secured using bank-grade encryption to keep your money safe during exchanges.

After receiving dollars, you can choose to convert the full amount to naira instantly at the daily exchange rate. The naira is then available to withdraw to your linked bank account. No waiting required unlike with traditional money transfer services.

To cut a long story short, Chipper Cash has made it very easy and cost-effective for Nigerians to receive dollars from abroad directly thanks to their favorable exchange rates, fast transactions and user-friendly app interface. Gone are the days of unfavorable bank rates that leave you with less money in the end. Chipper Cash is certainly worth trying the next time you need to receive funds from overseas.

FAQs

Is there a fee for receiving dollars on Chipper Cash?

No, Chipper Cash does not charge recipients any fees for receiving funds internationally. Only senders pay a small transaction fee.

Can I send dollars back abroad using Chipper Cash?

Yes, once you receive dollars you can easily send part of the funds back overseas. Just ensure the recipient’s country is supported for outbound transfers.

Conclusion

In conclusion, Chipper Cash has certainly changed the game for international money transfers to and from Nigeria. With its excellent dollar exchange rates, speedy transactions and user-friendly mobile app, receiving funds from abroad has never been more affordable and hassle-free. 

If you regularly receive money from the United States or elsewhere, I would highly recommend giving Chipper Cash a try on your next transaction. You may be pleasantly surprised by how much more naira you end up with compared to traditional options.

When I first started my business three years ago, I was in desperate need of some working capital. As a new entrepreneur, it was difficult for me to get approved for a traditional bank loan. That’s when I came across Okash, an online peer-to-peer lending platform. I was able to get a N100,000 loan from them within a few days without any collateral. 

While Okash provided the cash flow injection my business needed, I soon realized that the interest rates on their loans were extremely high at 33% APR. Keeping up with the monthly repayments became a struggle as business wasn’t booming yet. Within 6 months, I fell behind on my payments. That’s when the calls and harassment from Okash began.

Is Okash Registered with the Central Bank of Nigeria (CBN)?

To legally operate in Nigeria, all financial institutions must be registered and licensed by the Central Bank of Nigeria (CBN). However, after doing some research, I was unable to find Okash listed on the CBN’s official website as a registered financial institution. 

While Okash claims to follow all relevant regulations, their lack of CBN registration is concerning. As an unregulated lender, they are not bound by Nigeria’s consumer protection laws. Borrowers have no proper grievance redress if they encounter issues like predatory interest rates, privacy violations, or harassment.

Without oversight from the banking regulator, there is also uncertainty regarding the security and legality of funds disbursed through Okash. Their loans technically do not qualify as lawful debt under Nigerian statutes. This makes debt collection and enforcement of contracts more problematic.

Do They Really Call Your Contacts When You Default?

One of the most troubling practices reported about Okash is their aggressive debt collection methods, especially towards defaulters. Many past customers complain that Okash frequently calls and sends messages to contacts in their phonebook, even relatives and employers, to shame and coerce repayments. 

While it’s reasonable for lenders to pursue delinquent borrowers, openly contacting third parties crosses important privacy lines. There have been documented cases where Okash shared personal financial details with references without consent. This type of public shaming disproportionately impacts vulnerable groups and can severely harm credit ratings.

As an unregulated lender, Okash is not bound by the Debt Collection Guidelines issued by the CBN in 2018. These guidelines strictly prohibit abusive practices like disclosing customer details to third parties. They also establish a standard process involving warnings and a default period before commencing legal recovery measures.

Common Issues Faced by Okash Loan Defaulters in Nigeria 

With annual interest rates over 300%, it’s no surprise that default rates on Okash loans are reportedly high. Here are some of the major problems experienced by past customers who were unable to keep up with repayments:

• Harassment via calls and messages: Being contacted multiple times daily by Okash recovery agents applying pressure tactics is a common complaint. Some have even received late night calls to themselves and references.
• Threats of legal action: Despite lacking proper registration and licensing, Okash warns defaulters of impending police reports, court cases, and even arrest – which they have no authority to pursue. 
• Sabotaging of Facebook/LinkedIn profiles: There are claims that Okash agents gain access to borrower social media profiles to post humiliating messages publicly listing their defaults and contact details. 
• Blocking access to other loans: Once labeled a defaulter with Okash, many find it incredibly difficult to get approval from other financial institutions even years later due to negative credit reports. 
• Employment termination risks: Employers have fired workers after Okash contacted and pressured them about staff loan defaults, affecting livelihoods. 

Without oversight and consumer safeguards, these predatory debt collection practices by Okash continue to severely impact the lives and livelihoods of many vulnerable Nigerians.

Should You Take an Okash Loan?

While Okash aims to provide access to credit, their extremely high-interest loans, lack of registration, and abusive collection methods towards defaulters raise many red flags. As an entrepreneur, I believe it’s best to exhaust safer options first such as

• Approach SME-friendly microfinance banks and cooperatives 
• Consider crowdfunding platforms for startup capital
• Negotiate supplier credit or factoring agreements  
• Seek financing from impact investors  
• Check eligibility for CBN intervention funds
• As last resort, get a loan from a trusted informal lender

Only if these safer alternatives are unavailable should one ever consider Okash, and only for small amounts that can be repaid on time without fail. The risks of debt bondage, privacy violations, and ruined credit simply aren’t worth it, no matter how desperate the need for cash. Let this be a cautionary lesson for all.

FAQs about Okash Loans

What should I do if Okash is harassing me after defaulting?

Document all interactions and report the platform to the appropriate authorities like the CBN Financial Consumer Protection Department and the National Human Rights Commission. You can also seek legal remedy by filing a lawsuit for damages against Okash.

How long does OKash take to process?

OKash processes loan applications in minutes. The entire process, from application to approval, is completed online and takes only a few steps.

Conclusion

While financial inclusion is important, it must be achieved through safe, transparent and lawful means. Preying on those in debt through exorbitant charges and abusive practices will only impoverish communities further. All lending platforms operating in Nigeria, including Okash, must subject themselves to proper oversight and regulation to protect consumer rights. Borrowers also need to do thorough research before taking on any loan to avoid becoming trapped in cycles of unsustainable debt. When used responsibly, digital credit certainly has potential, but safety should always come before speedy access.

 When I was a hard-working university student struggling to make ends meet between paychecks, I often found myself in need of a small cash infusion to tide me over until my next payday. Back then, the idea of being able to access an affordable loan directly from my phone with just a few taps would have been life-changing. Thankfully, fintech innovations like Okash are now making exactly that a reality for millions of Nigerians. 

In this comprehensive guide, I’ll walk you through everything you need to know to download the Okash loan app, complete the registration process, access loans via their USSD code, and get in touch with Okash customer support. By the end, you’ll have a clear understanding of how this revolutionary app is simplifying the process of getting quick, cheap funds directly to your mobile money wallet.

How to Download and Installing the Okash Loan App

The first step is downloading the Okash app directly from the Google Play Store or Apple App Store if you have an Android or iOS device respectively. Simply search for “Okash” and then tap “Install” to download the app to your phone. Once the download is complete, open the app and follow the quick registration steps.

How to Register and Identity Verification 

During registration, you’ll be asked to provide basic KYC (Know Your Customer) details like your full name, phone number, address, ID number etc. 

You’ll also need to upload clear copies of your valid government ID and a recent utility bill as proof of identity and address. This information is required by Okash to comply with anti-fraud and AML regulations. 

Once submitted, your documents will be reviewed within 1-2 business days. You’ll receive an SMS notification once your registration is approved and your Okash account is ready to use. The entire process is quite smooth and streamlined.

How to Apply for Your First Loan

With your account now live, you can check your pre-approved loan limit and terms by tapping the “Apply Now” button. Specify the exact loan amount you need within your limit, the preferred repayment tenure in weeks or months, and your preferred disbursement method. 

You have the flexibility to choose loan amounts ranging from ₦5,000 to ₦100,000 with repayment periods of 1-12 months. Funds are instantly disbursed to your linked mobile money wallet upon approval.

Okash Loan Repayment Process  

Okash loans utilize a seamless automated repayment process for convenience. On your scheduled repayment date, they’ll deduct the exact repayment amount – which includes both principal and interest – directly from your linked mobile money wallet. 

You’ll receive an SMS reminder a day before each repayment. As long as your mobile money wallet has adequate funds on the due date, repayment is done with just one click – no need for any separate transfers on your part. This makes the entire experience very hassle-free.

Okash Loan Customer Support Details

Should you need any assistance during the application or repayment process, Okash provides multiple channels to reach their customer support team

• Call their toll-free customer care number 0800-OKASH (06527) from 8AM to 8PM daily. 
• Send a WhatsApp message to 0806-636-2747. Representatives are online from 7AM to 7PM.
• Send an email to support@okash.com. Response time is within 24 hours. 
• Reach out via the in-app chat or call back request options available on the app.
• Visit one of their physical customer care branches located countrywide for face-to-face support.

Representatives are helpful, well-trained and aim to resolve all queries effectively andefficiently. Okash truly stands out for its exceptional customer experience.

How to apply for Okash Loans via USSD Code Without the App

For users without smartphones or mobile internet data, Okash also allows accessing loans directly using USSD codes on any basic phone

1. Dial *633 

2. Select “Register” and follow prompts to input basic details.

3. Complete ID verification to activate your account. 

4. Dial *633 again, select “Apply for loan”, choose amount & tenure.

5. Funds will be disbursed instantly to your linked mobile money number. 

It’s an extremely convenient option making Okash loans truly inclusive for all Nigerians.

Conclusion

Innovations like Okash are truly transforming the financial landscape in Nigeria by making accessing small-ticket, short-term digital loans completely effortless and affordable. With just a basic phone and verified mobile money account, any Nigerian can now obtain emergency funds for unforeseen expenses within minutes directly to their wallet. 

By automating the entire customer journey from application to repayment, Okash has eliminated hassles while ensuring responsible lending. It will be exciting to see how such fintech pioneers can further bridge the credit gap and financial inclusion at the grassroots level in the coming years.

FAQ

How much can I borrow from Okash for the first time?

For the first time, you can borrow between N3,000 and N10,000 from Okash. However, your ability to repay your first few loans without being disturbed increases your maximum amount limitation. 

Is Okash owned by Opay?

Okash is a microlending platform owned and operated by Opay Digital Services, which is owned by Chinese billionaire Yahui Zhou.

Do you want to upgrade your first bank account but don’t know how to do so? 

Upgrading your bank account helps unlock greater financial benefits. In this guide, we’ll see the various First Bank account upgrade options in-depth and provide a step-by-step process for both online and in-branch upgrades.

First Bank offers several personal checking and savings products targeting different customer personas:

Basic Checking Account

The basic checking account is ideal for casual bank customers who mainly require check-writing, debit card usage, and online bill pay capabilities. It has a low monthly service fee of $5, which can be waived by maintaining a $100 minimum daily balance. Interest earned on deposits is nominal at 0.01% APY. Customers receive useful tools like online banking, mobile deposits, and email balance alerts with this account.

Interest Checking Account

Targeted towards customers seeking slightly higher returns, the interest checking account pays 0.05% APY on balances up to $10,000 and 0.03% on amounts above. To avoid a $8 monthly maintenance charge, you need to maintain an average daily balance of $1500 or set up direct deposits of $500 or more each month. 

Additional perks include 0.25% cash back on debit card purchases up to $200 per month and cell phone protection when using your First debit card to pay your phone bill. 

High-Yield Savings Account 

Designed for building long-term savings, this account provides high interest rates without check-writing or debit card overdraft capabilities to protect the principal. Currently earning 0.55% APY, it allows 6 withdrawals or transfers per month before a $10 fee applies. The minimum opening deposit is $250. This is a good fit for emergency funds or saving towards large goals like a home down payment.

Taking time to understand these options can help determine which upgraded products suit your unique financial requirements. 

How to upgrade Your Account Online in Detail

Going through the online upgrade process provides a fully digital experience without visiting a branch:

1. Login to Online Banking

Sign into your First Bank account through the website or mobile app. Select “Accounts” in the main navigation to view your current accounts.

2. Choose an Upgrade Option 

Review features and benefits of the different account types displayed. For example, you may decide the interest checking account offers better returns than basic checking for your needs. 

3. Complete the Application Form

Click “Open Account” on your selected product page. Provide details such as estimated deposits/withdrawals, income sources, and contact information. Agree to receive electronic documents.

4. Transfer Funds to New Account

The system immediately opens your upgraded account. Transfer your desired opening deposit amount from an existing First Bank account. Alternatively, use an external bank’s routing/account numbers to deposit funds. 

5. Receive Activation Confirmation  

The online application is reviewed in real-time. You’ll see a confirmation page once approved. Login again to find your upgraded account listed and ready for use.

This fully-digital upgrade process offers convenience from any location without having to speak to a representative. Funds will typically be accessible within minutes for immediate use of your new features and perks.

How to Upgrade your First bank account  at a Branch in Detail  

For those wanting personalized guidance, follow these steps to upgrade in-person:

Verify Account Details

The very first thing you should do is to very all your details. 

Provide your government-issued photo ID, SSN, date of birth and current First Bank account information to be authenticated by the representative. 

Discuss Banking Needs 

Explain how you intend to use the upgraded account. Are you planning large purchases soon? How much can you deposit monthly? The rep will suggest suitable options based on your responses.

Complete Paper Applications

Sign physical forms for your selected new account. Fill out sections for personal details, expected transactions, income sources, and KYC documentation if needed.

Fund the Account & Receive Cards

Deposit funds via cash, check, transfer from your existing account or external accounts. Once processed, you’ll receive new checks and debit cards same day depending on visit time.  

Representatives can answer remaining questions about using online/mobile banking right away along with contact information for any future assistance. 

While requiring an in-person meeting, speaking with a professional can help personalize the upgrade decision based on your changing priorities over time. Feedback is also available on-the-spot to resolve queries.

Additional Upgrade Tips

Follow these best practices for your upgraded First Bank account:

• Sign up for eStatements to save paper and fees while reducing environmental impact 
• Set up direct deposit of paychecks or government benefits for waived monthly fees 
• Enable account alerts by text/email for balance updates and possible fraud warnings
• Link existing accounts for automatic external transfers between institutions
• Take advantage of any perks like cash back bonuses or travel rewards redemption 
• Consider CD rates if you have funds sitting idle for 6-12 month locking periods

Frequently Asked Questions 

How do I change my direct deposit to my new account?

Contact your employer’s payroll department with the routing and account numbers of your upgraded First Bank account. Sometimes an electronic direct deposit form can change it instantly once submitted. Allow 1-2 pay cycles for the switch to take effect fully.

What is the minimum age to open an account without a custodian?

Most need to be at least 18 years old. However, minors aged 13-17 can open their own savings account with a parent or guardian as joint owner for supervision. 

Conclusion

With two highly accessible options, upgrading your First Bank account is a simple process. Carefully choosing the right account type based on your financial objectives can amplify benefits. 

Follow the step-by-step online or in-person guidance and feel free to contact First Bank with additional queries anytime. Your new upgraded features and perks will help boost your overall banking experience! Let me know if any other questions come to mind.