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Frequently Asked Questions
Answers about budgeting, Live Mode, identity verification, security, and more.
Orjar is a personal finance app built for young Nigerians. It helps you plan your salary, allocate income into buckets, track expenses, save in jars, monitor investments and T-bills, and — when you're ready — move to a live naira wallet backed by a CBN-licensed banking partner.
Yes. Plan Mode is completely free. Live Mode is also free to activate; standard transfer and bill payment fees may apply as disclosed before you confirm each transaction.
Orjar is designed for Nigerian residents aged eighteen (18) and above. You need a valid email address to create an account. Live Mode additionally requires a Nigerian BVN and successful identity verification.
No. You can use Plan Mode immediately without linking a bank account. Live Mode gives you a virtual account and deposit wallet through Anchor Microfinance Bank after KYC.
Plan Mode lets you budget with hypothetical or manually entered figures — no real money moves through Orjar. It is the best way to design your budget, test allocations, and build habits before activating Live Mode.
Yes. You can plan freely in Plan Mode and activate Live Mode when ready. Your planning data remains available; wallet features unlock after KYC approval.
Buckets are spending categories (e.g. Rent, Food, Transport) that receive a portion of your monthly income. Sub-buckets let you break a bucket into smaller tags — for example, splitting Food into Groceries and Eating out.
Jars are goal-based savings containers — rent jars, emergency funds, travel goals, or group savings with friends. In Plan Mode you track progress manually; in Live Mode you can fund jars from your wallet.
Plan Mode does not pull transactions from your bank automatically. You log expenses and income yourself. Live Mode syncs real wallet activity through our banking partner.
Live Mode connects real naira to your Orjar wallet. You receive deposits via a virtual account, fund buckets and jars, send bank transfers, pay bills, and auto-split income — all powered by Anchor Microfinance Bank.
Live Mode deposits are held with Anchor Microfinance Bank, licensed by the Central Bank of Nigeria (CBN). Eligible deposits may be insured by the Nigeria Deposit Insurance Corporation (NDIC) subject to applicable limits and rules.
Go to Settings → Identity verification (KYC). You will need your full name, phone number, address, BVN, date of birth, and gender. Higher tiers require government ID and proof of address.
Tier 1 BVN verification is usually instant. Document review for higher tiers may take a few minutes to a few business days if manual review is required.
After Live Mode activation, Orjar provisions a virtual NUBAN linked to your deposit account. Share it to receive transfers from any Nigerian bank. Inflows appear in your wallet after reconciliation.
CBN regulations set transaction limits based on your verification tier. Tier 1 covers basic BVN verification; Tier 2 adds government ID; Tier 3 adds proof of address. Limits increase with each tier.
Yes. Live Mode supports NIP transfers to Nigerian bank accounts, subject to your tier limits and available wallet balance. Fees are shown before you confirm.
BVN is verified through licensed partners and shared with Anchor Microfinance Bank for KYC. Where Orjar stores BVN or NIN, it is encrypted at rest. We never display your full BVN in the app after submission.
Go to Settings → Security → Two-Factor Authentication and follow the setup steps. We strongly recommend enabling MFA before using Live Mode.
A transaction PIN is an additional four-digit code required for sensitive wallet actions such as transfers. Set it under Settings → Security → Transaction PIN.
Change your password immediately, enable MFA, and email hello@orjar.app with details. For unauthorised Live Mode transactions, contact us urgently so we can assist with freezing your account.
We use encryption in transit and at rest, access controls, audit logging, and NDPA-compliant processing practices. See our Privacy Policy and Data Policy for full details.
It logs your Treasury Bill purchases — principal, purchase date, maturity date, and expected return. Orjar calculates your expected payout based on the rate and tenor you enter.
Not yet. You log T-bills manually after purchasing through your bank, broker, or investment platform. Direct T-bill purchase through Orjar is on our roadmap.
Returns are estimated using the standard discount yield formula based on principal, annual rate, and days to maturity. Actual returns may differ slightly based on your broker's fees and auction terms.
Plan Mode is free. Live Mode may charge fees for outbound transfers, bill payments, or premium features. All applicable fees are disclosed before you confirm a transaction.
Orjar subscription or service refunds (where applicable) are handled case by case. Email hello@orjar.app with your transaction reference. Banking transfer errors should be reported immediately for investigation with our banking partner.
No. Orjar Technology Ventures is a fintech company. Banking services in Live Mode are provided by Anchor Microfinance Bank, licensed by the CBN.
Your personal data is processed under the Nigeria Data Protection Act 2023 (NDPA), NDPR, and CBN customer data guidelines. See our Privacy Policy and Data Policy at orjar.app/privacy and orjar.app/data-policy.
Contact hello@orjar.app for service complaints. Banking complaints may also be escalated to Anchor Microfinance Bank and, if unresolved, to the CBN Consumer Protection Department.
Email hello@orjar.app from your registered email requesting account closure. Live Mode balances must be withdrawn first. Some data may be retained as required by AML and CBN regulations.