FAQ
General Questions
Kashflo is a digital finance platform that helps individuals and businesses manage, move, and multiply their money — all from one account. We offer wallet services, credit access, business advisory, cards, and more.
Kashflo is available to both individuals and businesses. Whether you're a student, freelancer, small business, or informal trader, there’s a plan designed for your financial needs.
Yes, Kashflo operates in compliance with Nigeria’s financial regulatory requirements through strategic licensing partnerships and direct oversight where applicable.
Account & Onboarding
You can sign up in minutes with your BVN or NIN. Businesses can register using CAC details. Once verified, you’ll be automatically placed on the appropriate plan (e.g., FreeMe for individuals, FreeBiz for businesses).
Yes. You can upgrade or switch your plan anytime through the Kashflo app — whether you’re moving from FreeMe to FreeBiz or adding more services.
For individuals: BVN or NIN. For businesses: CAC registration number and basic business information. No in-person verification is required.
Cards
We offer Naira and Dollar virtual cards, plus physical Naira debit cards. These can be used for online shopping, subscriptions, and ATM withdrawals.
Once your account is active, you can request a virtual or physical card through your dashboard. Virtual cards are issued instantly.
A credit card is planned for eligible users in a future release. For now, all cards are debit-based and funded from your Kashflo wallet.
Credit & Lending
Loan eligibility is based on your account activity, usage history, and verification status. Once you meet the minimum thresholds, available credit options will be shown in your dashboard.
Buy Now, Pay Later allows you to split eligible purchases into smaller payments over time. Terms and eligibility are displayed clearly before you accept.
Kashflo offers structured support to help users facing financial challenges. We work with you to develop a realistic repayment path without excessive penalties.
Business Services
Yes. FreeBiz is designed specifically for SMEs, informal traders, and online sellers. You’ll get a business wallet, cards, payment tools, and access to advisory and credit.
You can still use Kashflo as an individual or register later. We support formal and informal business users alike.
Security & Support
Yes. Kashflo uses secure banking infrastructure and complies with global security standards, including PCI-DSS for cards and data protection for all users.
You can freeze your card or account instantly from another device. Our support team is also available to help recover access.
You can contact us through the in-app support chat, email, or WhatsApp channel. We’re available 7 days a week.
Still need help?
Contact our support team or explore detailed guides in the Kashflo Help Centre