How to Open a Chipper Cash Account in Nigeria (Complete Guide 2025)
Fintech is changing how Nigerians send and receive money. Among the most popular platforms making financial transactions easier is Chipper Cash. With Chipper, you can send money across Africa, pay bills, buy airtime, and even get a virtual card for online shopping—all from your mobile phone.
If you’re in Nigeria and wondering how to open a Chipper Cash account, this step-by-step guide will walk you through the process, requirements, and benefits.
What is Chipper Cash?
Chipper Cash is a mobile money transfer app available in multiple African countries, including Nigeria. It allows users to:
- Send and receive money instantly
- Buy airtime and data
- Pay utility bills
- Get a Chipper Virtual Card for online payments (both Naira and Dollar cards)
- Invest in US stocks (with verified accounts)
The app is licensed and regulated by the Central Bank of Nigeria (CBN), making it a safe and legal option for Nigerians.
Step-by-Step: How to Open a Chipper Cash Account in Nigeria
Step 1: Download the App
- Visit the Google Play Store (for Android) or Apple App Store (for iPhone).
- Search for Chipper Cash and install the app.
Step 2: Sign Up
- Open the app and tap on “Open Free Account.”
- Choose whether to sign up with your phone number or email address.
- Enter the code sent to you (OTP) for verification.
Step 3: Enter Your Personal Details
- Provide the following information:
- Full name (as it appears on your BVN or ID)
- Date of birth
- Gender
- Address
- Place of birth
Next, you’ll create:
- A Chipper Tag (your unique username)
- A 4-digit PIN for security (you can also enable fingerprint or Face ID login).
Step 4: Verify Your Account (KYC)
Chipper has different levels of account verification:
Tier 1 (Basic Verification):
- Requires BVN (Bank Verification Number).
- Daily transaction limit: about ₦50,000.
- Weekly limit: ₦300,000.
Tier 2 (Full Verification):
- Requires BVN + Selfie + Valid ID (NIN, Driver’s License, Voter’s Card, or International Passport).
- Higher transaction limits (up to ₦1,000,000 daily).
- Unlocks international transfers, virtual cards, and stock investments.
- Verification usually takes 1–2 business days.
Step 5: Fund Your Wallet
- You can add money to your Chipper account using:
- Bank transfer (from any Nigerian bank)
- Debit card
Step 6: Start Using Chipper Cash
- Once funded, you can:
- Send money to other Chipper users for free
- Pay bills (electricity, TV subscriptions, etc.)
- Buy airtime/data
- Claim a Chipper Virtual Card for shopping on international websites
How to Get a Chipper Virtual Card in Nigeria
1. Open the app and go to the “Card” section.
2. Tap “Claim Card” and provide your ID and address.
3. Choose between:
- Naira Virtual Card (₦1,000 issuance fee, ₦50 quarterly maintenance)
- USD Virtual Card ($5 issuance fee, $1 monthly maintenance)
Once activated, you can use it for online shopping, subscriptions (Netflix, Spotify, Amazon, etc.), and international payments.
Benefits of Using Chipper Cash in Nigeria
- Free local money transfers
- Cross-border payments across Africa
- Safe and regulated by the CBN
- Easy to use with a simple mobile app
- Virtual cards for international online shopping
- Earn rewards via referrals
Frequently Asked Questions (FAQs)
1. Is Chipper Cash legal in Nigeria?
Yes, Chipper is licensed and regulated by the Central Bank of Nigeria.
2. Can I use Chipper without BVN?
No, BVN is required for verification and to unlock transaction limits.
3. How long does verification take?
Typically 24–48 hours after submitting your BVN and ID.
4. Can I withdraw from Chipper to my bank?
Yes, you can transfer funds from your Chipper wallet directly to your Nigerian bank account.
5. What is the age requirement?
You must be 18 years or older to open a Chipper account.
Final Thoughts
Opening a Chipper Cash account in Nigeria is quick, simple, and secure. With just your smartphone, BVN, and a valid ID, you can join millions of Nigerians already enjoying fast money transfers, bill payments, and international shopping with Chipper’s virtual card.
If you’re looking for a reliable fintech app to manage your finances, Chipper Cash is a great choice.
