Frequently asked questions
Quick answers to what people ask the most.
Receiving a gift
Do I need an Owoche account to redeem?
No. Bank cashout works without an account — just paste your NUBAN. If you have an Owoche wallet, you can also redeem straight into it for instant credit.
How long does the bank transfer take?
Usually a couple of minutes once you confirm. Settlement is handled through licensed Nigerian PSPs.
What if I lose the OTP?
For OTP-protected gifts, ask the sender to resend the code, or request a fresh OTP on the redemption page. Codes expire after a short window.
What if the link is expired?
Tokens expire on the date the sender chose. After that, the sender can cancel the gift in their Owoche app and get a refund.
Can the sender see who I am?
No. The sender only sees that the gift was claimed — not your identity, your bank, or your phone number.
Sending a gift
Where do I create a SmartAza?
Only inside the Owoche app — that's where your wallet authorises the payment. Download from the App Store or Google Play.
Can I cancel a gift after sending it?
Yes — open the gift inside your Owoche app and tap Cancel. If it hasn't been claimed, the full amount returns to your wallet.
What's the maximum gift amount?
₦50,000 per token today. For larger transfers use a standard Owoche transfer.
How does sender-approval work?
When the recipient tries to redeem, you get an instant push notification asking to Approve or Reject. The funds only release if you tap Approve.
Trust & security
How are tokens protected?
Every request from this site to the Owoche backend is HMAC-signed and timestamp-bound. Tokens are single-use and tied to your sender wallet — they can't be copied or replayed.
Is SmartAza regulated?
SmartAza is operated by Transingenium Innovations Ltd, working with CBN-licensed payment partners. Cash movement is recorded in an audited ledger.
Where do I report a problem?
Email support@owoche.online with the token reference. We respond within 5–7 business days.