Your questions, answered.

ChangeApp is a digital solution that helps people pay exact amounts and receive change digitally, reducing the inconvenience of cash change shortages.

Download ChangeApp, register and follow the instructions in the app. USSD access is also available.

Scan a participating merchant's QR code, follow the payment instructions and enter your security PIN to authorise the transaction.

Scan the merchant's QR code and follow the prompts to request your change. The merchant must authenticate the transaction. Once it succeeds, the amount is credited to your ChangeApp wallet.

Change you receive digitally is credited to your ChangeApp wallet.

Yes. Every time you collect change digitally, the amount is credited to your ChangeApp wallet. As you collect more change, your wallet balance can increase, helping you build up small amounts over time.

Yes. Transactions between ChangeApp wallets are free. This includes collecting change, paying participating ChangeApp merchants, and transferring funds between ChangeApp wallets.

You will receive the full ₦250 in your ChangeApp wallet. There are no deductions for ChangeApp-to-ChangeApp transactions.

Yes. You can use your available ChangeApp wallet balance to pay participating ChangeApp merchants without ChangeApp-to-ChangeApp transaction fees.

Yes. You can fund your ChangeApp wallet using the supported funding methods and use your available balance to make payments to participating ChangeApp merchants.

Yes. You can request a withdrawal of your available wallet balance to a bank account of your choice, subject to applicable transaction requirements.

Withdrawal requests are usually processed within 24 hours. Actual processing times may vary depending on transaction checks and banking operations.

You can add money through direct bank transfer, USSD, or a supported debit or credit card. Follow the funding instructions provided in ChangeApp.

Yes. Merchants can fund their wallets using direct bank transfer, USSD, or supported card payments.

ChangeApp-to-ChangeApp transactions are free. Wallet funding and bank withdrawals are separate transaction types and may be subject to applicable charges, which should be disclosed before confirmation.

The mobile app is designed for smartphones. ChangeApp also offers USSD access through *347*358#.

ChangeApp uses transaction authorisation procedures. Customers authorise payments with their security PIN, while merchants authenticate change collection transactions with their security code. Never share your credentials.

Use the verified download links on this website to find ChangeApp on supported app stores.

ChangeApp is designed for participating transport operators, shops, market traders and other businesses that handle everyday cash transactions.