Tier 0
The moment you sign up
- Daily transfers
- ₦10,000
- Balance limit
- ₦20,000
Email and phone number
Enough to try it properly — send a little, pay a bill, see how it behaves.
Takes about 2 minutes
Account tiers
Verify more, move more
Four tiers, each with a daily transfer limit and a balance cap. Both are enforced by the app, and both are shown to you before a payment goes anywhere.
Account tiers
Verify more, move more
Start the moment you sign up and raise your limits whenever you need to. These are the real limits the app enforces, not a marketing table.
Tier 1
Basic
- Daily transfers
- ₦50,000
- Balance limit
- ₦300,000
BVN or NIN, plus your date of birth
The everyday tier. Covers airtime, bills, and most day-to-day transfers.
Takes about 5 minutes
Tier 2
Standard
- Daily transfers
- ₦300,000
- Balance limit
- ₦1,000,000
Both BVN and NIN on file
For a business taking real money through the account.
Takes about 5 minutes
Tier 3
FullFull
- Daily transfers
- ₦5,000,000
- Balance limit
- No cap
Government ID and a live selfie
No balance ceiling, and the highest daily limit the app offers.
Takes about 10 minutes
Daily transfer limits are cumulative across a calendar day. Limits and verification requirements may change as regulations do.
Which one
Where most people land
The tier you need is the one that matches the biggest thing you do in a normal week.
Aisha
Undergraduate
Tier 1
Upkeep in, data and airtime out. ₦50,000 a day covers a student month with room to spare.
Bola
Barber
Tier 2
A barber taking card-free payments all day needs headroom the everyday tier runs out of.
Amaka
Fabric trader
Tier 3
Market stock moves in six figures. No balance cap is the only version that works.
Questions
The things people actually ask
If it isn't here, write to us — a person answers.
KoboVault is a digital banking app. Customer funds are held by a licensed financial institution, and the details of that arrangement are published in full before accounts open to the public.
Start at Tier 0 today
Email and a phone number. Raise it whenever you're ready.
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