Just like most Nigerians, I was hit with card limit imposed on Nigerian bank cards for international payment. It wasn’t funny trying to make payment with Nigerian card. It was either you opened a domiciliary account where you source and deposit your forex for online payments or go through the rigorous process of obtaining a dollar card from your local bank.
Finally I ran into Chipper cash and was totally stunned with all I can do with the app. Honestly it’s an app everyone should have.
So what is chipper cash ??

Although electronic payments in Nigeria (and Africa at large) is growing tremendously, sending and receiving money across borders still remains a challenge. Thanks to Chipper Cash, however, money transfer to other African countries can now be done instantly (and for free!) at the click of a button.
With Chipper Cash, sending funds is just as seamless as receiving it. The conversion/exchange rates are also really reasonable and competitive. Asides money transfer, you can also use Chipper Cash to pay bills (cable TV, internet, and electricity) and purchase airtime.
Available and Platform Support
Currently, you have to own a smartphone to use Chipper Cash; thereโ no web support yet. The service is available for both Android and iOS users. You can download the app via playstore
Chipper Cash is available in Nigeria, Kenya, Uganda, Tanzania, Rwanda, and Ghana. The firm also recently launched operations in South Africa, making the region its 7th country of operation in Africa.
To use Chipper Cash in Nigeria, your phone number is the basic requirement needed to create an account. You can also choose to use your email address. Afterward, youโd have to input the verification code that was sent to the number or email you registered with.

If you registered with your phone number, you can choose to verify your number via USSD โ tap the dial button or manually type/dial the provided USSD shortcode on your phoneโs dialer. Youโll also be asked to verify your number each time sign in to your account โ whenever you sign out of the app.

Another unique feature youโd love about Chipper Cash is that it lets you connect and sign in to your wallet/account with multiple numbers or email addresses. On your Account Profile page, tapย โPersonalโย and selectย โAdd Phone or Emailโ to add other numbers or email addresses.

Although Chipper Cash doesnโt say if thereโs a limit to the amount of phone number or email address that can be connected to a single wallet/account, it really is a cool feature that allows for flexible login options.
If you lose your phone number, you can still access (and verify) your Chipper Cash wallet with the secondary numbers or email addresses.
Account Verification and Transfer Limits
As a newly-registered user, you can receive unlimited amount of money from anyone, anywhere. However, you will only be able to send a maximum of Four Million Naira (N 4,000,000) and Twenty Million Naira (N20,000,000). For withdrawals, new users can only cash-out Twenty thousand naira (N20,000) daily.

To increase this withdrawal limit, youโd have to verify your identity. To do this (as a Nigerian user), youโll be required to provide your Bank Verification Number (BVN) and take a selfie. Chipper Cash will verify the information provided and raise your transaction limits accordingly. Account verification is also required to activate your โChipper Account Numberโ (more on this later).
It takes a couple of minutes (sometimes, hours) to get verified after providing the necessary information. As a verified user, you can:
- Send:ย N5,000,000 daily | N35,000,000 weekly
- Withdraw:ย N 1,000,000 daily
- Receive:ย Unlimited amount of money
Funding Wallet
At the moment, Nigerian users can only fund their Chipper Cash wallet via card payments. As a first time user, youโd be required to deposit N10 (Ten Naira) to your account to add a bank card.

Note:ย Chipper Cash doesnโt charge any fee to deposit money. The N10 will be deposited into your Chipper Wallet.
Sending Money
Chipper Cash lets you send money to other registered Chipper Cash users on your phonebook. You can also send money to your contacts that arenโt registered on Chipper Cash. The recipient will be prompted (via SMS) to create a Chipper Cash account to receive the funds.
Note:ย If the recipient doesnโt register an account to claim the payment, the money will be refunded to you.
To send money to another Chipper Cash user or someone on your contact list, tap the โSendโ button on the Activity page and choose the person you want to send funds to on your contact list. I really liked Chipper Cashโs contact segmentation and identification โ youโd find contacts who are registered Chipper Cash at the top of the Contacts section alongside their country flag and full name.

You can also use the search box to find other Chipper Cash users who arenโt on your contact list using their username. If you have a userโs QR code, you can tap โScan Codeโ to quickly send them money.
Itโs also worth mentioning that Chipper Cash boasts of really competitive exchange rates. For context, the officialย Nairaย toย Uganda Shillingsย rate was (at the time of writing) pegged at โฆ 1 = UGX 9.60 while Chipper Cash had a slightly reduce (but reasonable) rate โ โฆ1 = UGX 9.00.

The official Naira to Kenya Shillings was Ksh 1 =ย โฆ3.62. On Chipper Cash, Ksh 1 =ย โฆ3.88. These rates are very much reasonable and the best youโd get out there โ compared to other money transfer and bill payments apps.

Bill Payments
As earlier mentioned, Chipper Cash lets you pay internet, electricity, and TV bills. I used the app to purchase airtime and it was really fast and seamless. You can also tap the โContactsโ button to purchase airtime for someone on your contact list.

So, when next you want toย pay your DStv or GOtv bill in Nigeria, you should try Chipper Cash. The best part is that you get a 2% discount on every airtime purchase. Additionally, bill payments are free. This registers Chipper Cash as one of the very few payment providers that donโt charge users to pay bills, send money, or fund their accounts.
Withdrawal
Like bill payments, airtime purchase, and other services on Chipper Cash, withdrawing funds on the platform is also free. For Nigerian users, you can only withdraw funds from your Chipper Wallet to your bank account. To do this, navigate to Profile > Cash Out and set up your bank account.

Go to Profile > Payment Methods to add your bank account. Withdrawal to my account was processed in seconds and my bank was credited immediately.
Auxiliary Bank Account
As an added perk, Chipper Cash users also get a bank account (powered by Providus Bank). This account (dubbed theย โChipper Account Numberโ) works just like your regular bank account; people can send money into the account number from their banks and banking apps. The funds will be deposited directly to your Chipper Wallet.
This auxiliary bank account serves as an added medium of depositing funds to your Chipper Wallet. One thing, though: this account number isnโt assigned to a user by default. If you want one, youโd have to place a request for it. To do this, navigate to your Profile and tap the incomplete account number to send a request.

Chipper Cash will review your request and inform you of the status. This might take hours, or sometimes, days.
Money Request
If you are out of money, or perhaps someone owes you, the โRequestโ feature of the Chipper Cash app lets you request money from your contact list or other Chipper Cash users.

Security & Privacy
Chipper Cash has some measures in place to help safeguard your account and funds. As earlier mentioned, whenever you sign out of the Chipper Cash app, you will be required to go through Two-Step Authentication (via SMS) before you can log back into your account.
The app also has a Security Lock feature that will prompt you to enter your Chipper PIN each time you close the app. This is an added layer of security that will prevent anyone who has access to your device from opening your Chipper Cash dashboard without your authorization. You could toggle on the โHide Balanceโ to conceal your balance from the home screen.

Cheaper, Faster, Better
Overall, the Chipper Cash is great; itโs an app for the everyday African smartphone user. The app is well-designed and most importantly, easy-to-navigate. The airtime discount and zero charges on bill payments will also โcumulativelyโsave you a great deal of money. Money transfer, bill payments, money deposits, etc. all happen instantly. Cross-border transfers are just as fast as local remittances.
Thereโs in-app support, but you can also reach the Chipper Cash Customer Care Team onย Facebookย orย Twitter. I havenโt used the in-app support but Iโve been able to reach the customer care team via Twitter a couple of times. Responses to my queries werenโt immediate but they were resolved just in time.
If you have used Chipper Cash in Nigeria, do tell us about your experience (so far) in the comments below. If you havenโt, you can create an account with Chipper Cashย via this link.