Frequently Asked Questions

Here are the most asked questions from our users.

What is Carder?

Carder is a Nigerian fintech app for turning crypto into naira in seconds, holding US dollars, sending money, and paying bills, all in one secure app.

How do I create a Carder account?

Download the Carder app, sign up with your email and phone number, then verify your identity with your BVN. Once that's done your naira and dollar wallets are ready to use.

How do I buy a gift card?

Gift cards will be added to the app soon, and you can buy one right now on WhatsApp. Message Carder at +234 704 258 5751 or tap https://wa.me/2347042585751 and we'll get you sorted immediately.

Which gift card brands can I buy?

Message us on WhatsApp at +234 704 258 5751 (https://wa.me/2347042585751) with the brand and amount you want and we'll confirm availability right away.

How do I fund my USD wallet with crypto?

Open your USD wallet in the app, tap Add funds, pick the coin and network, and send to the deposit address shown. Your dollars are credited once the network confirms the transfer.

Which coins and networks can I deposit?

USDT on TRC20, ERC20, BEP20, Solana and Polygon. USDC on ERC20, Solana, BEP20, Polygon and Base (USDC has no TRC20). Plus Bitcoin, Ethereum and Solana on their own networks. Whatever you send is credited to your wallet as US dollars.

What does funding with crypto cost?

A 0.6% funding margin, already included in the amount the app shows you before you send. What you see is exactly what you get, there are no surprise deductions.

Is there a minimum crypto deposit?

No minimum. You can deposit any amount.

My crypto deposit hasn't arrived yet

Deposits are credited after the blockchain confirms them. Stablecoins and Solana usually land within minutes, Bitcoin and Ethereum can take longer when their networks are busy. If it's been over an hour, chat with support in the app and we'll trace it.

How do I convert between dollars and naira?

Tap Convert in the app, enter the amount, and you'll see the exact rate and what you'll receive before you confirm. The minimum is 3 dollars or the naira equivalent, and it settles in seconds.

What does converting cost?

The rate you see includes our 3% margin, plus a small service fee of 1 dollar for conversions under 100 dollars, or 1% for 100 dollars and above. Everything is shown upfront before you confirm.

How do I add naira to my wallet?

Tap Add funds on your naira wallet and you'll see your personal Carder account number. Transfer to it from any Nigerian bank app and your wallet is credited automatically.

How do I send money or withdraw to a bank account?

Tap Send money, choose the bank account, enter the amount and confirm with your PIN. Transfers to any Nigerian bank cost a flat 200 naira. Sending to another Carder user is free and instant.

What bills can I pay on Carder?

Airtime, data, electricity, cable TV subscriptions, betting wallet top-ups and education payments, all straight from your naira wallet.

Do bill payments cost extra?

No. You pay exactly the face value, with no service charge.

I paid for airtime or data but it hasn't arrived

The network sometimes takes a few minutes to deliver. If it still doesn't arrive, the payment is reversed to your wallet automatically. Chat with support in the app if you'd like us to check on it.

Does Carder have a dollar card?

The virtual dollar card is coming soon. For now you can fund your USD wallet with crypto, hold dollars, and convert to naira whenever you want.

What are the account limits?

Once you're verified at signup with your BVN and a quick selfie, your wallet has a 25,000,000 naira daily limit and unlimited balance. There are no tiers to climb, you verify once. A NIN is only needed later if you decide to get a card.

Do I need to upgrade my account?

No. There are no tiers to upgrade. You verify once during signup with your BVN and a quick selfie, and your full limits apply straight away. If you later want a card, we will ask for your NIN at that point.

How do I upgrade to Tier 2?

In the app, open your profile and tap the upgrade prompt, then verify your NIN and take a quick selfie. It takes about a minute and your new limits apply immediately.

Is my money safe with Carder?

Your funds are held with licensed partners, your identity is verified with your BVN and a live selfie, and every payment is protected with your transaction PIN and biometric lock.

How do I keep my account secure?

Set a transaction PIN and turn on Face ID or fingerprint unlock in the app. Never share your PIN, password or OTP with anyone. Carder will never call or message you to ask for them.

How do I reset my password?

On the login screen tap Forgot password and we'll send a secure reset link to your email.

How do I get my account statement?

Open your wallet, tap Statement, choose a date range, and we'll email it to you as a PDF.

How do I reach support?

Tap Support in the app, use the live chat on carder.ng, or email support@carder.ng. A real reply, fast.

How do I earn by inviting friends?

Open Referrals in the app and share your code. Once a friend signs up with your code and does 100,000 naira worth of business on Carder, converting crypto, paying bills or buying gift cards, 1,000 naira lands in your naira wallet. It builds up across everything they do, and you earn once for every friend you bring.

Can I change my referral code?

No. Your referral code is created for you automatically from your name, so it stays the same. Just share it as it is from the Referrals screen.

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