SECURE YOUR CHIPPER CASH ACCOUNT

Secure your Chipper Cash Account.

Work through these protections one at a time. After making a change, verify that the protection is actually active.

Your Chipper Cash Account can connect you to real money.

Chipper Cash supports services including local and cross-border payments, cards, airtime and data, bill payments and other financial services.

Protect the account itself, but also protect the PIN, OTP, phone, SIM, identity information and transfer decisions connected to it.

CHIPPER CASH ACCOUNT SECURITY

Work through these protections one at a time.

Chipper features can vary by country, device and account situation. Use the settings shown in your own official Chipper Cash app and verify each protection after setting it up.

Protect your 4-digit security PIN

Your Chipper PIN protects access to your account. Choose a strong PIN and never share it with another person.

Click to see protection steps

Step-by-step

Open the official Chipper Cash app.
Use your 4-digit security PIN to access your account.
Avoid simple combinations such as 0000 or 1234.
Do not use a PIN that someone who knows you could easily guess.
Shield your screen when entering your PIN around other people.
Never write your PIN somewhere another person can easily find it.
If you believe your PIN has been exposed, use Chipper's official PIN reset process.

VERIFY: Confirm that your PIN is known only to you and is not an obvious combination.

Protect your login OTP

Chipper uses verification codes during login. Treat every OTP or 6-digit verification code as confidential.

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Step-by-step

Treat every OTP or 6-digit verification code as private.
Never give the code to another person.
Never send the code through WhatsApp, SMS, social media or email.
If you receive a login code when you are not trying to sign in, stop and investigate.
Do not enter a code because an unexpected caller says they need it to verify your account.
Contact Chipper through its official support channel if you suspect an attempted account takeover.

VERIFY: Confirm that every OTP you use relates to a login or verification action you personally initiated.

Add and protect a recovery email

Chipper currently allows a valid email address to provide an alternative channel for receiving login verification codes.

Click to see protection steps

Step-by-step

Open Profile.
Select Personal.
Select Add Email.
Enter an email address that belongs to you.
Tap Next.
Enter the 6-digit OTP sent to that email.
Protect that email account with a strong password and multi-factor authentication where available.

VERIFY: Confirm that the email address is successfully added and that you can access it.

Protect your phone and SIM

Your phone number can be used for login verification, so protecting your SIM is an important part of protecting Chipper.

Click to see protection steps

Step-by-step

Use a strong screen lock on your phone.
Use fingerprint or Face ID where appropriate.
Keep your phone's operating system updated.
Keep your Chipper-registered SIM under your control.
Investigate unexplained loss of mobile service.
Never give your SIM to someone claiming they need it to fix your Chipper account.
If you lose access to the number, contact your telecom provider first about a SIM replacement where possible.

VERIFY: Confirm that your phone and the SIM associated with your Chipper login remain under your control.

Turn on biometric protection

Biometric protection can add a convenient layer of device-based security when supported by your phone.

Click to see protection steps

Step-by-step

Open Profile.
Open Settings.
Look for the available Face ID, fingerprint or biometricoption.
Enable the feature if your device supports it.
Complete your phone's biometric authentication.
Make sure only your own biometric information is registered on the device.

VERIFY: Confirm that biometric protection is active and that nobody else's fingerprint or face is registered on your phone.

Verify your Nigerian account

Chipper currently requires Nigerian users to complete identity verification using BVN and NIN before they can fully transact.

Click to see protection steps

Step-by-step

Open the Chipper app and go to Profile.
Scroll down and select Get Verified.
Complete the selfie check using the instructions shown.
Enter your BVN.
Enter your NIN.
Verify your phone number using the available OTP method.
Submit the verification information and track the status shown in the app.

VERIFY: Confirm that your Profile shows your Chipper account as verified before relying on the account for transactions.

Verify recipients before sending money

A familiar name or urgent request does not prove that a transfer is safe.

Click to see protection steps

Step-by-step

Stop before approving the transfer.
Check the recipient's name or Chipper tag.
Check the destination details carefully.
Check the amount.
If the request came through WhatsApp, SMS, social media or a phone call, verify it through another trusted channel.
Call the person using a number you already know if the request involves an emergency or unusual payment.
Approve the transfer only after the important details match your intention.

VERIFY: Confirm the recipient and amount independently before authorizing the transaction.

Review your transaction activity

Regularly checking your account can help you notice payments or transfers you did not authorize.

Click to see protection steps

Step-by-step

Open the official Chipper Cash app.
Review your recent transactions.
Check the recipient and amount for important transfers.
Look for transactions you do not remember making.
Preserve the transaction details and screenshots if something appears suspicious.
Report suspicious activity through Chipper's official support channel.

VERIFY: Confirm that the important recent transactions in your Chipper account were authorized by you.

Protect your Chipper Card

If you use a Chipper Card, protect the card, its credentials and its transaction activity separately from your account login.

Click to see protection steps

Step-by-step

Open the Cards section of the Chipper app where available.
Review the cards associated with your account.
Confirm that every card shown is one you recognize.
Never share your card PIN, CVV or full card number.
Review recent card transactions.
If your card is lost or stolen, use the available card controls or contact Chipper through an official support channel.

VERIFY: Confirm that every active card belongs to you and that recent card activity is legitimate.

Do not trust unsolicited Chipper support

Chipper says its support team responds to customer requests through official channels. An unexpected offer of help should be treated with suspicion.

Click to see protection steps

Step-by-step

Be cautious when someone unexpectedly claims to be Chipper Cash support.
Never provide your PIN, password or OTP.
Never send money because someone says payment is required to unlock, verify or upgrade your account.
Do not allow an unknown person to control your phone remotely.
Do not follow unexpected links sent by supposed support agents.
Open Chipper directly and use the in-app supportfeature instead.

VERIFY: Confirm unexpected support requests through Chipper's official in-app or verified support channels before taking action.

Watch out for fake promotions and offers

Scammers may use fake loans, referral bonuses, giveaways or other attractive offers to persuade you to send money or disclose account information.

Click to see protection steps

Step-by-step

Be suspicious of an unsolicited loan, giveaway, prize or referral offer.
Never pay money simply to receive a Chipper service, loan or bonus.
Do not share your PIN, password or OTP to qualify for an offer.
Verify the promotion through Chipper's official channels.
If you are contacted through social media, check whether the account is the official verified Chipper account.
If the offer creates urgency, stop and verify before acting.

VERIFY: Confirm the legitimacy of any promotion through an official Chipper source before sending money or sharing information.

Avoid suspicious links

Phishing links sent through messages, email or social media can lead to account theft or identity theft.

Click to see protection steps

Step-by-step

Do not click unexpected Chipper links.
Be especially cautious with links received through WhatsApp, SMS, email or social media.
If you need Chipper, open the official app directly.
Do not enter your PIN or OTP into an unfamiliar webpage.
Do not download an APK sent to you unexpectedly.
Report suspicious messages to Chipper through an official support channel.

VERIFY: Confirm that you are using the official Chipper app or a legitimate Chipper source before entering sensitive information.

Add a backup phone number carefully

Chipper allows users to add another login phone number. Treat this as a security-sensitive change.

Click to see protection steps

Step-by-step

Open Profile.
Select Personal.
Select Add Phone.
Enter your Chipper PIN to authorize the change.
Enter the new phone number.
Select the available verification method.
Enter the 6-digit OTP sent to the new number.
Confirm that the number has been added successfully.

VERIFY: Confirm that the added phone number belongs to you and that you still control the SIM receiving the verification code.

Know what to do if you lose your phone number

Chipper's current guidance recommends trying to replace the SIM first. If that is not possible, support can help with an alternative recovery route.

Click to see protection steps

Step-by-step

Contact your telecom provider and request a SIM replacement.
If the SIM replacement succeeds, secure the new SIM and keep it under your control.
If you cannot replace the SIM, contact Chipper through official support.
Provide the information Chipper requests for account recovery.
If asked for identity verification, share only the information requested through the official support channel.
Never share your full BVN or full identity number in an unsolicited message.

VERIFY: Confirm that you have regained a secure login route to your existing Chipper account rather than accidentally creating a new account.

Do not accidentally create a second account

If your old account appears to have disappeared after changing your login details, you may have accidentally accessed a different account.

Click to see protection steps

Step-by-step

Check your Chipper tag on the Profile page.
Compare it with the tag from your original account.
Check the phone number or email address you used to log in.
If the account number or balance looks different, stop making transactions.
Do not assume that a new account is your old account.
Contact Chipper Support and provide the identifying information they request.

VERIFY: Confirm that the Chipper tag, account details and balance belong to your original account before continuing to transact.

Know what to do if Chipper locks your account

Chipper may lock an account when it detects activity that could put the account or its funds at risk.

Click to see protection steps

Step-by-step

Do not panic or create another account.
Read the message shown by Chipper.
Check whether Chipper has requested additional information.
If you previously reported suspicious activity, respond through the same official support conversation where possible.
If you did not request the lock, contact Chipper Support through the official app.
Provide your Chipper tag, phone number or email and the relevant error information when requested.

VERIFY: Confirm that you are working with Chipper's official support process rather than someone claiming they can unlock the account for payment.

Report suspicious activity immediately

Chipper maintains an anti-fraud process and asks customers to report suspicious messages, transactions and account activity.

Click to see protection steps

Step-by-step

Stop making additional transactions while you investigate.
Preserve screenshots, transaction details and suspicious messages.
Open Chipper and use the official in-app supportchannel.
Explain exactly what happened.
Provide the relevant transaction or account details requested by support.
If your PIN or OTP may have been exposed, secure the account immediately.
Follow Chipper's instructions while the matter is investigated.

VERIFY: Confirm that Chipper has received your report and that your account has been secured while the issue is investigated.

Keep your Chipper app updated

Chipper's current support guidance recommends using the latest version of the app for account verification and OTP troubleshooting.

Click to see protection steps

Step-by-step

Open the legitimate Google Play Store or App Store.
Search for Chipper Cash.
Check whether an update is available.
Install the update through the legitimate app store.
Do not install a Chipper update from an unsolicited APK or unknown website.
Reopen the app after updating and confirm that your account is still accessible.

VERIFY: Confirm that you are using the current legitimate Chipper Cash application.

Something does not look right?

If you find an unfamiliar login, changed recovery information, unexpected security alerts or another sign that someone may have accessed your account, stop the normal security check and move to the recovery process.

I think my account is compromised →

Still need help?

If you have worked through the relevant settings and something still looks wrong, do not give your security secrets to someone promising to fix the account. Use the service's official support and recovery resources for service-specific account problems.

For broader cybersecurity problems, you can also use the professional assistance pathway on this platform.

Need Professional Help? →

Chipper Cash security is not a one-time task.

Review important account settings periodically, especially after a password change, device change, suspicious message or unexpected login alert.

VERIFY BEFORE YOU TRUST.

← Back to Secure Your Accounts