What Tier 1, 2 and 3 mean, and how much a Tier 3 account can hold
The CBN figures behind each tier, why Tier 3 has no balance cap, and why your transfer limit is a separate number.
Fiam Guides
Money guides for Nigerians
Clear, practical help with sending money, staying safe from scams, understanding your limits and making sense of crypto in naira.
How to report a fraudulent transaction in Nigeria
A debit you did not make is a race against time. Who to call first, what to tell them and how to escalate if your bank goes quiet.
How to open a Fiam account in minutes (and get your account number today)
No bank visit, no forms. What to have ready, every sign-up step, and the one detail that holds most people up.
The call that never should have happened: why two brothers built Fiam
A pension gone in one phone call. Two brothers who had seen it too often. The story behind Fiam, and the one promise it is built on.
How to send money to any bank in Nigeria from your phone
What you need, the exact steps, how long a transfer takes and what to do when it says "pending".
Sent money to the wrong account? What to do in Nigeria
The first hour matters most. Here is exactly who to contact, what to send them and how to escalate if the money is not returned.
How to spot a fake credit alert before you hand over goods
Fake SMS, edited screenshots and "pending" receipts. The warning signs, and the one check that never fails.
8 habits that protect your bank account from fraud
Most account takeovers start with a shared code or a convincing phone call. Eight habits that shut those doors.
Account tiers and transfer limits in Nigeria, explained
Why your app asks for BVN, NIN and a selfie, what each tier unlocks and how to raise your daily limit.
TRC20 vs ERC20 vs BEP20: which USDT network should you use?
Same USDT, three different roads. How fees and speed compare, and the one mistake that can cost you everything.
Browse by topic
Each topic hub collects every guide on that subject, from the basics to what to do when something goes wrong.
Sending money
How bank transfers work, what they cost, how long they take and what to do when one goes wrong.
2 guidesStaying safeSpot fake alerts and payment scams, and build the habits that keep your account and PIN out of the wrong hands.
3 guidesAccounts & limitsAccount numbers, BVN and NIN, KYC tiers and the daily limits that come with each one, explained plainly.
3 guidesCryptoStablecoins, networks and fees: the basics you need before you move USDT, BTC or ETH.
1 guideInside FiamThe people behind Fiam, why we built it and what we are working on next.
1 guide