At Pandar, protecting your funds and keeping our community safe is non-negotiable. That’s why we’ve updated our Know Your Customer (KYC) process — to help us stay compliant, stop fraud before it starts, and ensure you can enjoy fast, smooth, and secure remittances.
Whether you’re receiving freelance payments, sending crypto home from abroad, or converting your assets to Naira — your KYC level determines what you can do on Pandar.
KYC Levels and What They Unlock
Level 0 – Not Yet Verified
You’ve signed up, but can’t use most features yet.
Action: Verify your phone number to move to Level 1.
Level 1 – Email & Phone Verified
What you can do:
Receive unlimited crypto
Generate a wallet address
You can’t withdraw or convert to Naira yet.
To reach Level 1, verify both your email and phone number.
Level 2 – Verified Identity & Bank Account
What’s required:
NIN or BVN (must match your bank account name)
Bank account verification
What you can do:
Deposit and Convert unlimited crypto
Full access to all features
Withdrawal limits:
₦5,000,000 daily
₦1,000,000 per single transaction
Level 3 – Address Verification
What’s required:
Residential address
Supporting document (utility bill or stamped bank statement)
If utility bill isn’t in your name, upload a tenancy agreement to confirm residency
What you can do:
Everything from Level 2, with added credibility for high-volume usage
N10,000,000 daily
N2,000,000 per single transaction
Why Upgrade?
Better security: Keeps your funds safe and protected.
Full access: Higher KYC means higher transaction flexibility.
Faster support: Verified accounts get priority help.
Regulatory compliance: We stay compliant so you can use the platform confidently.
How to Upgrade Your KYC
Open the Pandar app
Tap your profile picture
Select “Level Upgrade”
Choose your desired level
Upload the required documents
You’re done. Most upgrades are instant if everything checks out.
Common Issues and Fixes
Name mismatch: Your NIN, BVN, and bank account names must match exactly.
Missing documents: Ensure all required uploads are clear and complete.
Utility bill in another name: Add a tenancy agreement linking you to the address.
Still stuck? Contact support for manual review.
FAQs
Can I receive crypto without KYC?
No. You must complete Level 1 to generate a wallet and receive crypto.
Can I withdraw or convert without Level 2?
No. Withdrawals and Naira conversions require Level 2 verification.
How long does it take to upgrade?
Usually instant if documents are valid and names match. Some cases may require manual review.
Final Note
KYC isn’t just a checkbox — it’s how we protect you, your funds, and our platform. Let’s keep things safe, compliant, and easy to use.
Pandar dey for you — always.