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 yet.
To reach Level 1, verify both your email and phone number.
Level 2 – Verified Identity & Bank Account
What's required:
BVN (must be provided first during verification)
NIN (provided after BVN in the verification sequence)
Both NIN and 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 names must match exactly. Any discrepancies can lead to system rejection of your verification attempt.
Missing documents: Ensure all required uploads are clear and complete.
Utility bill in another name: Add a tenancy agreement linking you to the address.
Unlinked phone number: If you don't have access to the phone number connected to your BVN, you can use the selfie verification option instead.
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.
Why do I need both BVN and NIN for verification?Both identifiers are required to ensure thorough identity verification and compliance with regulations. It's not possible to complete Level 2 verification with only one of these identifiers.What if I don't have access to the phone number connected to my BVN?You can use the selfie verification option as an alternative to verify your identity.
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.