FUSTPAY is a fintech platform that lets you send and receive money to or from any Nigerian bank account, buy airtime and data, and pay for everyday services—all from a single mobile app.

Download the FUSTPAY app from the app store, provide your name, phone number and email, verify your identity with your BVN/NIN, and create a secure PIN. Once verified, you can start transacting immediately.

You can fund your wallet via bank transfer. From your dashboard, click “Add Funds” in the menu. On the Add Funds screen, you’ll see a dedicated account number linked to your FUSTPAY wallet. Copy this account number and transfer money to it from any other bank app in Nigeria. The funds will reflect in your FUSTPAY balance once the transfer is confirmed.

On the “Dashboard” screen, select “Transfer,” choose the recipient’s bank, enter their account number and the amount, confirm the transaction details and authorise with your PIN. Funds are sent instantly to the recipient’s bank account.

Invite friends using your unique referral link or code. Once your referred users register and start using FUSTPAY, you earn a commission on every qualifying transaction they make (e.g., bank transfers, airtime and data purchases). Commission rates can be as high as 3 % depending on the service. There is no limit to how much you can earn while the program remains active.

Referral commissions are automatically credited to your FUSTPAY earnings wallet after each qualifying transaction made by your referred users. Once your referral balance reaches the minimum withdrawal amount of ₦1,000, you can transfer it to your main wallet balance and either withdraw it to your bank account or use it to purchase airtime, data, or other services.

There is no cap on how much you can earn; however, referrals must be genuine. Users must not spam or post referral codes indiscriminately, create fake accounts or engage in fraudulent behaviour. FUSTPAY reserves the right to modify commission rates or discontinue the referral program at any time to prevent abuse.

When your referral balance reaches at least ₦1,000, go to the Earnings section and click on the Cash Out button. Enter the amount you want to withdraw and confirm the transfer in the modal that appears. The funds will be transferred to your FUSTPAY wallet instantly. You can then either transfer the money to your bank account or use it to buy airtime, data, or other services in the app.

Yes. FUSTPAY uses industry‑standard encryption and multi‑factor authentication to protect your data. Your BVN and identity details are used solely for verification and regulatory compliance, and we never ask for your PIN or OTP via email or phone.

If you need help, open the FUSTPAY app and navigate to profile then click on the “Contact Us” section to chat with our agents. You can also email support@fustpay.net or call the customer care number listed in the app.

FUSTPAY wallets operate under the 9PSB tiered KYC structure mandated by the CBN. Here’s your limits:

**Tier 1 (BVN + Basic Info):** You register with your BVN, selfie and phone number'
- Max per transaction: ₦50,000

- Max wallet balance: ₦300,000

**Tier 2 (Document Verification):** Submit NIN or NIN slip, and utility bill or address proof:

- Max per transaction: ₦200,000

- Max wallet balance: ₦500,000

**Tier 3 (Full KYC + Address Verification):**

Provide full KYC with ID, selfie, BVN, NIN, and verified residential address.

- Max per transaction: ₦1,000,000

- Unlimited Wallet Balance.

To upgrade your tier (and increase your limits), go to the upgrade section in your FUSTPAY app and submit the required documents. Upgrades are typically activated instantly upon approval.',