The LINK P2P platform is a product of LINK that allows users send and receive money from Nigeria to over 50+ countries at the real exchange like you see on google
With the current version of Link, you would need to head on to www.linkio.africa to order for Cash, then:
1. Signup on LINK
2. Verify your identity
3. Click transfer and select the currency you want to transfer, then fill in how much you want to send
4. Select the destination and delivery method, then proceed
5. Fill in and review the requested recipient details to make sure everything looks good
6. Review your order
7. Tell us how you want to pay for your transfer with the channels provided
8. And that’s that, you would receive email updates to help you track your cash. With that, you just made your first transfer with LINK. Your cash should arrive within 24 hours.
N.B. We usually make payouts within 24 hours but on our partner’s side, it may take a while but we will always keep you posted on the progress
N.B. We don't support deposit to Crypto websites
LINK has launched but in the Alpha stage, transactions have begun as well but is limited to a selected number of users. These numbers will increase as the test continues.
Joining the waitlist doesn't automatically make you an alpha tester. You would need to have received a personalized email with signup instructions and a referral code to know you've been given access to the platform.
In normal cases, Alpha Testers are selected at random. However when users joined the waitlist, we mentioned that a way to jump the waitlist faster and become an Alpha tester is to share and publicize LINK’s content.
A LINK tag is a unique name our users get to give themselves for identification. With a LINK tag, users can also send funds to each other on the platform. (coming soon).
We’ll send you an email from the moment your transfer is set up to when we’ve received your money, and when we’ve paid your transfer out. This doesn’t necessarily mean it’s reached your recipient yet. If there’s an issue with your transfer, we’ll also send you an email. So, try to stay glued on that when you set up a transfer. If you don’t see the email, check your spam or junk folder in case it’s been sent there. Most contact will come via email, but we might get in touch by phone if needed
For the alpha test the min amount is NGN 30,000 and the max is NGN 110,000 for the meantime. “Depending on the rate”, with us that’s a min of $68.61 and a max of $250. But not to worry once this is hit, you can change this and increase your limit thresholds by sending matched up inbound payments (i.e. from GBP-NGN). If you had already made payments for a transfer and we received it in our bank account, we would refund it within a few hours.
The min and max amount limit applies on the reverse side as well. To increase your transfer limit you can send matched up outbound payments (i.e. NGN-GBP).
N.B. Please avoid trying to make transfers when your limit has hit, it would not be processed until your threshold limit is fixed.
For security and privacy reasons, no — the name on the bank account you’re sending from has to match the name on your LINK account.
In situations like this, if you have already sent the money to our account, the transfer would not be processed, it would be cancelled and refunded to the account you sent the money from. Usually the refunds happen instantly or in some cases 2-5 days.
If a situation like this happens more than once, we would have to close down your account.
1. One way is through the step by step emails we would send, so you know exactly what is happening with your cash.
2. You can also track your order by directly viewing it on your dashboard. Select the Order segment and click on the order you just made and you can track the progress.
LINK says that my transfer’s due to arrive today.
Awesome! This means your money should’ve arrived already. We use our timeframe because some banks need a few hours to process transfers from us.
My recipient’s details may be wrong.
Small things like typos in names — for example, spelling Michael Evarist as Michel Evarist— shouldn’t be a problem for most countries. Your money should still arrive on time. However, for some currencies a typo like this can be an issue.
If something like an account number is wrong, your money could take longer to arrive, or get returned to us. If your money does get returned to us, we’ll let you know straight away.
Transfers on weekends and holidays.
Not all countries have banking systems that work on weekends or holidays. Our delivery times factor in banking hours of the country you’re sending money to.
But in some parts of the world, banks stop processing transfers early on Fridays.
That means, if your money’s due to arrive on Friday, it may not show in your recipient’s account until the next working day. We’re working to find out which banks do this, and make our delivery estimates more accurate in the process.
My recipient says the money hasn’t arrived yet:
It’s not our wish for you to be in this position. If your recipient says they haven’t received your money yet, please ask them to check the following:
* The sender name they’re looking for. Your recipient should be looking for a transaction on their bank statement from LINK — they won’t see your name. The transfer might also come from one of our partners, but the amount and reference should still help find the payout.
* The recipient’s bank details. If they’re not right, your money could take longer to arrive, or get returned to us. The currency the recipient’s account is in. Your recipient’s account may be in a currency that’s different to the one you’ve sent them. If that’s the case, they could have got a different amount from us because their bank might have converted the money again.
* You've sent it to a restricted list account (ie. Cryptocurrency, betting, pornography etc platform): In this case the partner bank holds back the funds and there is nothing we can do at this point, in some case it is returned back to us, in most cases its not.
* Some routes might require us to ask you for your recipients details like International passport, drivers licence etc, this might delay your transfer.
Why does it say delivered when the money hasn't arrived yet?
We label your cash delivered when we’ve sent the money to the recipient bank. We also leave a gap in our estimate on arrivals for the bank to process and receive it.
Why is my transfer taking so long?
We’ll always tell you upfront when your money should arrive. And once your transfer’s on its way, we’ll send you updates via email.
Here are some reasons why your transfer might be delayed — and how you can speed things up.
Weekends and holidays might slow things down
Once we’ve received your money, we convert it to the new currency and send it out. This is the quickest part. But banking hours, weekends, and public holidays are out of our control — so this might slow down the process.
Tip: If your transfer is urgent, plan around weekends and public holidays. The receiving bank might take extra time to process it.
After we send your money out to your recipient’s bank, they’ll process and clear the money. But some banks are faster than others — it might take up to 2 working days for some currencies. At this point, the money’s out of our system, but the bank should be able to help.
I sent money to the wrong person
Everyone makes mistakes. And there are 2 ways to fix this one: depending on where the money is, or the stage of your transfer. If you’re in the 2nd stage, which we update you on through your mail or your orders on the dashboard (We’ve received your NGN/USD, EUR etc.). You could reach out to us via mail and we would return your money to place a new order.
N.B. This process could take some time depending on the speed of the bank’s response and charges could be incurred. This part is out of our hands so we urge you to review your order before going through with payments.
If the money has reached your recipient, you’ll need to contact them and ask for the money back.
I sent the wrong amount
If it's a case of the amount being insufficient which does not occur frequently, your transfer would be paused as we reach out to you directly asking what you would like to do next. Our next move would depend on what you choose. In a case of overpayment, which also doesn’t occur frequently, depending on the stage of the transfer and when we’re notified of it, the excess would be returned to your account. However if the cash has already reached your recipient, you would have to reach them directly.
I forgot the reference
If you didn’t include your unique reference code (beginning with L) with your bank transfer to us or you think this may not have been correctly forwarded by the bank, you’ll need to upload a proof of payment document via our support mail - we’ll use it to identify your money. Once you’ve uploaded your proof of payment document, we’ll be in touch with you to help.
I want to cancel a transfer I haven't paid for
To go about this, you can simply send an email to email@example.com before you proceed to choose the method you’d like to pay for your transfer with. In the email, you should state that you wish to cancel the transfer and we would send you an email to inform you the transfer has been cancelled.
I want to cancel a transfer that's completed
You can’t cancel a completed transfer. All transfers completed by LINK are final, and we can’t reverse or recall payments. Once your transfer is marked as completed on our website, we can’t cancel it. LINK does not have the ability to be involved in disputes between senders and recipients, so we strongly recommend that you know and trust the person you are sending to before setting up a transfer or sending any money. While we can’t get involved in disputes, we try to do everything we can to keep our customers safe. We’ll investigate any claims of fraud, and, if we find that someone has used LINK to receive money fraudulently, we’ll block them from receiving money through us.
Why was my transfer cancelled?
Sometimes, LINK will cancel your transfer. There are a few reasons why we might do this — here are some of the most common ones
You didn’t pay for the transfer
if you set up a transfer and don’t pay for it within 20 minutes, we’ll automatically cancel it. If you’d still like to make that transfer, you can set up a new one.
The recipient details are wrong
If you make a mistake in the recipient’s details, most banks won’t accept the payment. They’ll send the money back to us, and we’ll ask you whether you’d like to edit the details, or cancel the transfer. If we don’t hear from you in 2 working days, we’ll cancel and refund the transfer. And if you edit the details and the payment fails again, we’ll automatically cancel the transfer.
N.B. Please check your recipient’s details carefully every time you make a transfer.
Is there a refund fee?
In some cases, small fees may be incurred on our partners end of things, but the cases differ. However, normally there’s no fee for cancelling and refunding a transfer. We’ll always refund the full amount you paid us, regardless of the type of transfer you made.
Where will you refund my money?
LINK automatically refunds your money to the bank account or card that you paid with. The exception to this is if you’ve paid with your LINK currency account. If you have, we’ll refund your money to the currency account you paid with.
Why is LINK asking me for refund account details?
For some currencies, the details of the bank account you paid with aren’t visible to LINK. In these cases, we’ll ask for your bank account details — it’s safe and secure to fill them in. And we can’t refund your money without them. We might also ask for refund account details if you’ve accidentally sent us too much money.
I want a refund to my LINK currency account
This is not available at the moment but normally LINK refunds your money to the account you paid with. This means we’ll only refund money to your currency account if you used it to pay for your transfer. If you send money from your bank account, we’ll refund your money back to your bank account.
What currencies can I send to and from?
You can send money to and from these currencies;
NGN — Nigerian Naira Within Nigeria
AED — Emirati Dirham Within the UAE
CAD — Canadian dollar Within Canada
KES — Kenyan Shillings Within Kenya
USD — US Dollars Within USA
EUR — Euros Within and Outside Europe
CNH — Chinese Yuan Within China
CHF— Swiss Franc Within Switzerland
GBP— Great Britain Pounds Within UK
TRY— Turkish Lira Within Turkey (TRNC)
What countries can I send to?
Here’s a list of the countries you can send money to with LINK.
United States of America
Countries in Europe
United Arab Emirates
You might still be able to send money to your recipient’s country if their account is denominated in USD, EUR or GBP. It could also mean that currently we don’t do transfers to or from that country because it's not available at the time.
How to pay by bank transfer
First you’ll need to set up your transfer on LINK. For outbound transfers, After you have gone through this process, you’ll receive a secure link via mail to make your payment.
Problems paying by bank transfer
Here are some solutions to the most common problems that people have when paying by bank transfer;
I didn’t include the reference number
When you pay by bank transfer, we show you a reference number which helps us identify which payment is yours. You’ll need to include the number in the reference field when setting up a payment from your bank account. If you didn’t include the reference number, your transfer might be delayed while we try to find your money. To help us find it, you’ll need to send a proof of payment document. Once you’ve sent your proof, we will inform you of the next steps.
I sent the wrong amount
When you set up a transfer, make sure to send us the correct amount of money. We’ll show you exactly how much to send. If you sent us more than the amount needed, we would reach out via mail informing you we’ll refund the excess. This can happen before or after the transfer is completed. If you sent us less than needed, we’ll pause the transfer and email you to ask what you’d like to do next.
My bank account name and LINK name don’t match
When you send us a payment, the name on the bank account where the money is coming from must match your name on LINK. The only exceptions are if you’re paying from a joint account, or if you’re paying as a business through your LINK Business account. If someone else pays for your transfer, you’ll need to cancel it. You can set it up again and pay for it from your own account.
I made a mistake with the bank details
When you’re paying by bank transfer, always double check that the bank details you’ve entered match the ones we show you in the bank transfer details screen. If you do make a mistake, the money will likely be rejected and come back to you.
To set up your account all you need to do is sign up and include the unique referral code we’ve given, verify your identity and you’re good to go.
I don’t have a referral code
Currently, referral codes are not for everyone. These are specifically provided to Alpha testers which is the stage we’re at now. So if you don’t have one yet, don’t panic, we do our best to give a chance to the users on our waiting list.
I don't have the documents you asked for
We know that it’s not always easy to get certain forms of ID. So we try our best to be flexible.
Verifying your identity
You can verify your identity with a good quality copy of your ID. We accept: the photo page from your international passport, driver’s license, national ID card (NIN card and NIN slip)
Tip: We can’t accept bank cards as ID
My document wasn't good enough quality
Part of the verification process involves our team reviewing what’s printed on the documents. We do this to check that it’s really you sending, spending, or receiving money. But if we can’t read what’s on a document, we have to reject it.
When making a copy of a document, here’s what to check:
Lighting If it’s too bright, glare might make part of your document unreadable. This can be a problem with laminated passport photo pages or driving licenses.
If you’re holding up a document for a photo, it’s easy to cover up some details with your fingers. Try taking the photo with the document on a flat surface.
The camera frame
We need to see the whole document, as this helps us confirm its authenticity. So try to fit the whole document in the shot.
Blur and camera grain
If you’re on the move, your camera might not be able to focus on the details printed on your document. Try taking the photo with the document on a flat surface.
Tip: Be careful of zoom mode, or bad lighting. It can result in photos that are too grainy for us to read properly.
We can’t accept copies of photocopies
We need to be sure that you have the document you’re verifying your identity with. So it’s best to take a new photo when you’re going through verification.
Using a camera is better than a scanner
Many scanners aren’t great at scanning IDs and passports because they’re too thick and stop the lid from closing. So the resulting scans are close to unreadable. Again, it’s best to take a photo if you can.
Are you sending us the right documents?
If you need to verify your identity, we’ll ask for a copy of your driver’s license, NIN, or passport photo page.
N.B. In some cases when sending cash to countries like Kenya for example, we would always require the National ID and ID number of your recipient.
Tip: We can’t use selfies or bank cards to verify your identity. But sometimes we’ll ask you to take a photo of yourself holding your ID next to your face.
My document didn't have enough information on it
When we review documents, we look for certain pieces of information on them. Most times, this helps us confirm that the document you’ve sent us is authentic and valid. We’ll also make sure that the details printed on them match with your LINK account.
Here’s what we check for:
Expiry date and date of birth
When we verify your identity, we need to see when your driver’s license, national ID card, or passport expires. And we use your date of birth to confirm that the ID really belongs to you. So if we can’t see these details, we’ll have to reject your document.
Tip: Often ID cards have some key bits of info printed on the back. So always make sure you send us both sides.
The spelling of your name
Because we want to know who our customers are and keep our platform safe, we need to know your full legal name. And if your name on LINK and your document don’t match, we’ll need to ask you for more information.
The Machine Readable Zone
On documents like passport and ID cards, there’s a unique barcode called a Machine Readable Zone. We look for them because they confirm the document you’re uploading is authentic.
If this code is cut off, we’ll need to ask you for a new copy of your ID.
If you upload a driver’s license or national ID card, we need to see what’s on the back.
Most driver’s license or ID cards have important information on the back. So we need to see that too.
If you haven’t uploaded the back of your ID, we’ll ask you to upload a copy of it.
Have you sent us a new document? Usually, we need 1–2 working days to review new documents. But if you had to upload a lot of documents, it may take us a little longer. Keep an eye on your inbox, as we’ll confirm that you’re verified by email.
When you open a bank account, you usually need to take some ID into the bank branch. LINK is no different. We’re a financial institution, so we need to know who’s using our service. It helps us combat money laundering, and keep everyone’s money safe.
So depending on where you’re sending money from, and how much you send, we’ll ask for you to verify your identity. This helps us keep your money safe.
We usually verify your identity with some photo ID and a picture of you holding your ID with a paper with the writings of LINK and that day’s date.
When and how we verify you depends on a few things:
What types of documents does LINK accept?
Everything on the document you share should match the information on your LINK account.
Make sure the photo isn’t blurry or covered, so we can see all the info. If there’s information on the back of your document, we’ll need to see that, too.
N.B. Make sure the document is in English.
A valid ID can be:
Passport (photo page only)
National ID card (NIN card/ NIN slip
)Photo driver’s license
After providing this, you will be asked to upload a picture of yourself (a selfie) while holding your ID and a paper with that day’s date and LINK written on it.
How long does verification take?
It can take 1-2 working days depending on the amount of users getting screened as well. But regardless we would keep you updated.
Why do I need to get verified?
You’ll need to be verified in order to use any of LINK’s features. Think of it this way, when you open a bank account, you usually need to take some ID into the bank branch. LINK is no different. We’re a financial institution, so we need to know who’s using our service. It helps us combat money laundering, and keep everyone’s money safe.
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I didn’t get the password reset email: If you didn’t get the email; here are a few of the most common reasons why, and what to do to fix it. You didn’t provide the right email. Try again with the one you use for LINK. You spelt your email wrong. Double check for any typos and fix them before trying again. The email is in a different inbox. Make sure you check the right email inbox you provided, as well as the spam folder or promotions.