Simple pricing
No subscriptions.
No minimum balance.
You pay when you move money.
Account
Account creation Free
Monthly fee None
Minimum balance None
Transfers
| Transaction | Fee |
|---|---|
| Pouchfi to Pouchfi | Free |
| To any Nigerian bank | ₦7,500 flat |
| Naira deposit (via PalmPay) | ₦5,000 |
| USDT withdrawal (BSC) | ~0.52 USDT |
The bank transfer fee is the same whether you send ₦10,000 or ₦10,000,000. On large transfers, that's cheaper than most banks.
Virtual Card
| Card creation | 3 USDT (one-time) |
| Funding under $100 | 1 USDT flat |
| Funding $100+ | 1.25% |
| Monthly maintenance | 1.5 USDT |
Bill Payments
Airtime, data, electricity, TV. Provider fees vary and are shown before you confirm each payment.
Exchange Rates
Live USDT/NGN rates from Bybit P2P market data. Rates refresh every 3 hours. The rate at checkout is the rate you get. No spread, no markup.
Transaction Limits
Limits depend on your verification level.
| Level 1 | Level 2 | Level 3 | |
|---|---|---|---|
| Per transfer | ₦5M | ₦10M | ₦20M |
| Daily total | ₦30M | ₦50M | ₦100M |
| Virtual card | No | No | Yes |
| Required | BVN or NIN | BVN or NIN | Full KYC + address |
Bill Payment Limits
| Level 1 | Level 2 | Level 3 | |
|---|---|---|---|
| Airtime/data per purchase | ₦100–₦10,000 | ₦100–₦30,000 | ₦100–₦50,000 |
| Airtime/data daily | ₦100,000 | ₦150,000 | ₦200,000 |
| Electricity/TV per txn | ₦1,000–₦50,000 | ₦1,000–₦50,000 | ₦1,000–₦50,000 |