Frequently Asked Questions

Send money to a bank account, another Curnance user, or between your own wallets — in a few steps.

1. 1

   Choose a method

   Pick where the money is going: a bank account (EFT), a friend on Curnance, or one of your own wallets.

2. 2

   Enter the details

   Type the account or wallet and the amount. We automatically verify the recipient's name before you continue — always check it matches who you intend to pay.

3. 3

   Review everything

   You'll see the amount, the recipient, and any fees before anything moves. Nothing is charged until you confirm.

4. 4

   Confirm with your PIN

   Enter your 4-digit transaction PIN to authorise the payment. Your money only leaves your wallet after this step.

Top up your wallet with your card, a bank transfer, USSD, or mobile money.

1. 1

   Choose how to pay

   Card is instant. Bank transfer, USSD and mobile money let you pay from your bank — follow the instructions shown for your bank.

2. 2

   Enter the amount

   Type how much you want to add. You'll see exactly what you'll pay before continuing.

3. 3

   Complete the payment

   For cards, your bank may ask you to approve the payment (OTP or 3-D Secure). For bank transfer, send the exact amount to the account shown.

4. 4

   Money lands in your wallet

   Once your payment is confirmed, your balance updates automatically — usually within seconds.

Move money from your Curnance wallet to your bank account.

1. 1

   Choose wallet and amount

   Pick which wallet to withdraw from and how much. Your available balance is shown so you can't overdraw.

2. 2

   Pick your bank account

   Choose one of your saved bank accounts. We verify the account name so you can be sure it's yours.

3. 3

   Confirm with your PIN

   Enter your 4-digit transaction PIN to authorise the withdrawal. Nothing moves before this step.

4. 4

   Money is sent to your bank

   The withdrawal is processed and paid into your bank account. You'll see the result on screen and in your transaction history.

Convert money from your local wallet into a foreign-currency wallet at the live exchange rate.

1. 1

   Choose the wallets

   Pick the wallet you're paying from and the foreign-currency wallet you want to top up.

2. 2

   Enter the amount

   Type how much you want to spend. We instantly show how much foreign currency you'll receive at the current rate.

3. 3

   Review the rate

   The payment summary shows the exact rate and the exact amount you'll get — before anything moves.

4. 4

   Confirm with your PIN

   Enter your 4-digit transaction PIN. The conversion completes immediately and both balances update.

Convert money from a foreign-currency wallet back into your local currency at the live exchange rate.

1. 1

   Choose the foreign wallet

   Pick which foreign-currency wallet to convert from.

2. 2

   Enter the amount

   Type how much foreign currency to sell. We instantly show how much local currency you'll receive.

3. 3

   Review and confirm

   Check the rate and the amount you'll get, then confirm with your 4-digit transaction PIN.

Pay for airtime, data, electricity, TV and more — straight from your wallet.

1. 1

   Choose a wallet

   Pick which wallet to pay from. Your balance is shown so you know what you can spend.

2. 2

   Pick the service

   Choose a category (like Airtime or Electricity), then the provider, then the package or amount.

3. 3

   Enter the details

   For example the phone number or meter number you're paying for. Double-check it — this is where the value will be sent.

4. 4

   Confirm with your PIN

   Review the summary and enter your 4-digit transaction PIN. The payment is processed immediately.

Ask another Curnance user to send you money — they approve it, and it lands in your wallet.

1. 1

   Enter who and how much

   Type the person's Curnance tag or details and the amount you're requesting.

2. 2

   Review and send the request

   Check the details, then send. No money moves yet — you're only asking.

3. 3

   They approve it

   The other person gets your request and approves it with their PIN. Only then does the money move.

4. 4

   Money lands in your wallet

   You're notified as soon as the request is paid, and it appears in your transaction history.

Your 4-digit PIN is the final approval for anything that moves your money.

1. 1

   Why we ask

   The PIN proves it's really you. Sending, withdrawing, paying bills and converting currency all require it.

2. 2

   Nothing moves without it

   Until you enter your PIN, no money leaves your wallet — you can safely go back or cancel at any earlier step.

3. 3

   Keep it private

   Never share your PIN with anyone, including anyone claiming to be from Curnance. We will never ask for it outside this screen.

Every payment, top-up, withdrawal and conversion is recorded here with its status.

1. 1

   Browse or filter

   Use the filters at the top to narrow by type — for example only withdrawals or only money you received.

2. 2

   Tap any item for details

   See the full breakdown: amount, fees, reference, recipient and the exact time.

3. 3

   Check the status

   Successful means the money has moved. Pending means it's still being processed. Failed means nothing moved — your money stayed in your wallet.

This screen shows today's rates. Looking here is always free — no transaction happens.

1. 1

   View live rates

   See how much of each currency your money is worth right now. Rates update throughout the day.

2. 2

   Try the converter

   Enter any amount to see what you'd get — this is a calculation only, nothing moves.

3. 3

   Ready to convert?

   Use Buy or Sell from your wallet to actually convert at the rate shown. You'll always review the exact rate before confirming with your PIN.