Naira4yuan – Understanding User Levels: Basic, Individual & Business Accounts

Understanding Naira4yuan User Levels

Naira4yuan offers three main account levels—Basic, Individual, and Business—each with different limits, features, and verification requirements. Knowing the differences helps you choose the right level for your needs.

1. Basic Account

  • What it is: Your starting level after signing up and verifying your email and phone number.

  • Features:

    • Limited access to the platform.

    • Can explore the dashboard and settings.

    • Cannot deposit funds or make payments.

  • How to Upgrade: Complete Individual Verification.

2. Individual Account

  • What it is: Verified personal account using your BVN or NIN.

  • Limits:

    • Daily Incoming: ₦5,000,000

    • Daily Outgoing: ¥20,000

    • Monthly Incoming: ₦100,000,000

    • Monthly Outgoing: ¥400,000

  • Requirements:

    • BVN or NIN verification.

    • Access to your linked phone number (or use manual verification).

  • Benefits:

    • Access to NGN wallet deposits.

    • Ability to send payments to vendors via Alipay and WeChat.

3. Business Account

  • What it is: For registered businesses and high-volume transactions.

  • Limits:

    • Daily Incoming: ₦10,000,000

    • Daily Outgoing: Unlimited

    • Monthly Incoming: ₦250,000,000

    • Monthly Outgoing: Unlimited

  • Requirements:

    • Business details (name, email, phone, address).

    • CAC documents (certificate, Memart, status report).

    • Regulatory ID upload and ownership details.

  • Benefits:

    • Higher limits.

    • Unlimited outgoing transfers.

    • Suitable for importers and corporate use.

Which Level Should You Choose?

  • Start with Basic when signing up.

  • Upgrade to Individual for personal transactions.

  • Move to Business if you run a registered company or handle large-scale payments.

✅ Next Step: Ready to move up? Start with Individual Verification or Business Verification to unlock higher limits.

    • Related Articles

    • How to Complete Naira4yuan Individual Account Verification

      Completing Individual Verification is essential to unlock full access to your Naira4yuan account. It verifies your identity using your BVN or NIN and enables you to deposit and send payments within the set transaction limits. Individual Account ...

    • How to Create a Naira4yuan Account

      Creating your Naira4yuan account is the first step toward making fast, secure payments to China from Nigeria. Here’s a step-by-step guide based on what you’ll see on our website or mobile app. Step 1: Visit the Naira4yuan Website or App Go to ...

    • What to Do if Your Naira4yuan Account is Compromised

      If you suspect unauthorized access to your Naira4yuan account, act immediately to secure it. Quick action can prevent further transactions and protect your funds. Step-by-Step Recovery Process 1. Change Your Password Immediately Go to ...

    • How to Complete Naira4yuan Business Account Verification

      Upgrading to a Business Account on Naira4yuan gives you higher transaction limits and access to unlimited outgoing transfers, making it ideal for companies and large-scale importers. Business Account Limits Daily Incoming Transactions: ₦10,000,000 ...

    • How to Fund Your NGN Wallet via Virtual Account on Naira4yuan

      Funding your NGN wallet on Naira4yuan is quick and easy. You can choose between Automatic Funding and Manual Funding, depending on your preference for speed and fees. Step 1: Ensure Your Account is Verified Before funding, your account must be ...