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What is KYC and how does it apply to Cardtonic?

Learn what KYC is, how to complete Basic or Advanced verification, and which documents you can use as proof of address.

KYC verifies your identity. It is required to increase your withdrawal limit, unlock features like the virtual bank account, and ensure top-ups settle automatically.

Go to “Settings”, then “Identity Verification” to complete either level.

For users in other supported countries: Basic KYC requires a valid government-issued ID and a selfie. Go to “Settings”, then “Identity Verification” to complete verification.

Basic KYC:

  1. Enter your date of birth and BVN.

  2. Take a clear selfie.

  3. Tap "Verify your KYC".

Verification is instant.

Advanced KYC:

Upload one valid ID (International Passport, Driver’s License, Voter’s Card, or NIN Slip) and one proof of address. The documents accepted as proof of address are listed in the section below. Tap “Submit”.

Verification typically completes within minutes.

What can I use as proof of address?

You may be asked to provide proof of address to confirm your current residential address. You can submit any one of the following:

  • A utility bill that shows your name and current residential address (for example, an electricity or LAWMA bill)

  • A bank statement issued within the last 6 months

  • A valid, unexpired government-issued ID that clearly shows your current residential address

Before you upload, make sure that:

  • The document clearly displays your current residential address

  • Any government-issued ID is valid and has not expired

  • All details are clear and readable

Please note: Documents that do not meet these requirements may not be accepted. Contact support via in-app chat if you need help with your verification.

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