Got questions?
We've got answers.

Getting started takes less than 2 minutes:

• Download the Meritwise app and tap Sign Up
• Enter your phone number and verify with the OTP sent to you
• Set up your security PIN
• Complete your profile — that's it!

No paperwork. No waiting. You're ready to go immediately.

Adding money is straightforward. Every Meritwise account comes with a dedicated virtual account number. Simply transfer from any Nigerian financial app or institution to that account number and your wallet is funded instantly.

The money shows up in seconds — no delays, no manual confirmation needed.

The minimum top-up amount is ₦100. There's no maximum limit on your wallet balance. The more you use Meritwise, the more cashback you earn on every transaction.

Yes! Meritwise works for everyone across Nigeria. As long as you have an internet connection, you can access all features from any state. We support all Nigerian mobile networks and service providers nationwide.

Meritwise is your all-in-one financial companion. Here's what you can do:

• Airtime & Data — Top up any network instantly (MTN, Glo, Airtel, 9mobile)
• Electricity — Pay your DISCO bill and get your token immediately
• Cable TV — Renew DStv, GOtv, Startimes without stress
• Send Money — Move money to other Meritwise users for free
• Lockfund — Lock your savings until a target date
• Communities — Pool contributions with your group, family or colleagues
• MeriChat — Chat and send money in the same conversation
• Earn Rewards — Get cashback on every transaction

Every time you pay a bill or top up on Meritwise, a small percentage goes straight back into your wallet. No redemption process. No points system. Just real money back, instantly.

• Cashback rates vary by service (typically 0.5% – 2%)
• Credited to your wallet immediately after each transaction
• Use it right away — no minimum threshold required

The more you use Meritwise, the more you earn back.

Almost everything on Meritwise is instant:

• Airtime & Data — delivered within seconds
• Electricity token — usually within 1–3 minutes
• Cable TV renewal — within 5 minutes
• Wallet-to-wallet transfers — instant, always

If anything takes longer than expected, our support team is available around the clock.

This rarely happens, but when it does — your money is always safe. Failed transactions are automatically reversed to your wallet, usually within minutes and no later than 24 hours.

If your funds haven't returned after 24 hours, simply reach out to our support team with your transaction reference and we'll resolve it immediately.

We keep things fair and transparent:

• Airtime, Data, Electricity, Cable TV — zero fees + you earn cashback
• Wallet top-up — completely free
• Wallet-to-wallet transfers — free between Meritwise users
• Cash out to external accounts — a small standard fee applies

You'll always see the exact amount before confirming any transaction. No surprises.

Lockfund is your discipline tool. Set aside a portion of your wallet balance, pick a future date, and those funds are locked away until then. You can't spend it even if you want to.

It's perfect for saving towards rent, a purchase, school fees, or any goal that needs a hard deadline. When the unlock date arrives, the funds return to your available balance automatically.

Communities let you pool money with a group — your family, friends, office colleagues or anyone you trust. Every member contributes, every transaction is visible to all, and the group can set goals, track dues and manage funds together.

It's the digital version of Ajo or thrift, built to be transparent, automated and drama-free. No more arguments about who paid and who didn't.

Security is built into everything on Meritwise:

• All data is encrypted end-to-end
• Every transaction requires your personal PIN
• Suspicious activity is flagged and reviewed in real time
• You receive instant alerts for every wallet activity

We never share your personal information with anyone. Your privacy matters.

Easy reset in a few steps:

• Open the Meritwise app and tap Forgot PIN? on the login screen
• Verify your identity with a one-time code sent to your phone number
• Create and confirm your new PIN

Tip: pick something memorable but not obvious — avoid sequences like 1234 or your birth year.

Yes, your Meritwise account works on any device. When you sign in on a new device, we'll send a verification code to confirm it's really you. For your protection, other active sessions may be signed out when you log in from a new device.

It depends on the type of transaction:

• Airtime/Data to a wrong number — once delivered, it can't be recalled. Always double-check before tapping confirm.
• Failed transactions — automatically refunded within 24 hours
• Duplicate charges — contact support immediately with the details
• Service not delivered — report within 24 hours for a full resolution

When in doubt, reach our team right away — the faster you report, the faster we resolve.

We're always available. Pick whatever works for you:

• Live Chat — right inside the app, fastest response
• WhatsApp — +234 705 247 1886
• Phone — +234 706 237 7546
• Email — support@meritwise.app

Our team is available 24/7. We typically respond within minutes.