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The basics. What Swapto is, what you can do with it, and how to reach us.
7 FAQsSwapto is a Nigerian platform for converting cryptocurrency to naira. You can sell Bitcoin, USDT, Ethereum, Tron, Litecoin, and more, with naira landing in your Nigerian bank account in minutes. You can also use your naira balance to buy airtime, data, and pay electricity or TV bills right inside the app. Swapto was formerly known as Dtunes.
Sell crypto for naira, buy airtime and data for any Nigerian network, pay electricity bills (all DISCOs), pay cable TV subscriptions (DSTV, GOtv, Startimes), and withdraw naira to any Nigerian bank. Everything runs in one app with a single balance.
Yes. Swapto operates within Nigeria's regulatory framework through a licensed partner. We use bank-grade encryption and two-factor authentication to protect your account and funds. The Central Bank of Nigeria lifted its 2021 crypto banking restriction in December 2023, and Swapto has operated openly and compliantly since.
Swapto is designed primarily for users in Nigeria. Bank withdrawals, bill payments, and airtime top-ups are tailored to Nigerian financial infrastructure. You can download the app from anywhere in the world, but core features require a Nigerian bank account and BVN.
Dtunes rebranded to Swapto. Same team, same platform, same wallet, same balance, same fast payouts. Nothing about your account changed except the name and branding. If you had a Dtunes account, log in with the same email and password and everything is exactly where you left it.
WhatsApp: +234 811 337 2579 (fastest response, available during business hours). Email: support@useswapto.com. You can also use the live chat inside the app for real-time help. Our support team responds to WhatsApp messages within 10 to 30 minutes during business hours.
Yes. The app is available 24/7. You can trade, withdraw, and pay bills any time. Support responds fastest during business hours (9 AM to 9 PM Nigerian time), but the platform itself never goes offline. Automated withdrawals and crypto conversions run around the clock.
Everything about creating your account, verifying your identity, and getting started.
9 FAQsDownload the Swapto app from Google Play (Android) or the App Store (iPhone). Open the app and tap Register. Enter your email, first name, last name, phone number, and set a strong password. Verify your email with the OTP sent to your inbox. Create a 4-digit PIN for transactions. Add your Nigerian bank account under Settings, Bank Account. The whole process takes under 5 minutes.
Swapto uses a 3-tier verification system. Tier 1 verifies your email and phone number (unlocks basic use). Tier 2 verifies your BVN (unlocks higher trade limits). Tier 3 verifies your NIN and a government ID (unlocks the highest limits, up to ₦2,000,000 per transaction and ₦20,000,000 daily). Higher tiers unlock higher trade volumes.
Tier 1 involves verifying your email address and phone number. You receive an OTP via SMS or voice call after registration. Enter the OTP in the app to complete this tier. Tier 1 is required to make any transaction on the platform.
Tier 2 requires your BVN (Bank Verification Number). Go to Profile, Verification, BVN. Enter your 11-digit BVN. The app verifies it against your bank records in seconds. Once verified, your trade limits increase significantly and you can withdraw larger amounts.
Tier 3 unlocks the highest transaction limits on Swapto: up to ₦2,000,000 per single transaction and ₦20,000,000 in daily volume. To complete it, submit your NIN and a valid government-issued ID (driver's license, passport, or voter's card) under Profile, Verification, Tier 3.
First, check your spam or junk folder. Mark the email as Not Spam if you find it. If nothing arrives after 10 to 15 minutes, tap Resend Verification Email in the app. Double-check that you typed your email address correctly during registration. If you still do not receive the email, contact support at support@useswapto.com with your registered email address.
Yes. Go to Profile, Account Settings. To change your email, tap Change Email and follow the verification steps. To change your phone number, tap Change Phone Number and confirm with the OTP sent to the new number. For security reasons, sensitive changes may require additional verification from our support team.
On the login screen, tap Forgot Password. Enter your registered email address. You will receive a password reset link. Follow the link and set a new password. If you do not receive the reset email within 10 minutes, check your spam folder or contact support.
Send an email to support@useswapto.com with your registered email address, a selfie holding your government-issued ID, and a written request to reset your PIN. You can also message us on WhatsApp at +234 811 337 2579. Our team resolves PIN resets within a few hours during business hours.
How to sell Bitcoin, USDT, Ethereum, Tron, Litecoin, and other coins on Swapto.
9 FAQsYou can sell Bitcoin (BTC), Tether (USDT), Ethereum (ETH), Tron (TRX), Litecoin (LTC), BNB, USD Coin (USDC), and other popular coins. Each coin has its own deposit address inside the app. Always confirm the network label next to the address before sending.
Open the app, tap Trade Crypto, and choose the coin you want to sell. Copy the deposit address shown. Send your crypto from your external wallet to that address on the matching network. Once the transaction confirms on-chain, your naira balance updates automatically at the live rate. Withdraw the naira to your linked Nigerian bank account under Withdraw.
It depends on the coin. USDT on TRC-20 confirms in 2 to 5 minutes. Bitcoin takes 10 to 20 minutes for 2 confirmations. Ethereum takes 3 to 5 minutes. Tron confirms in about 3 seconds. Litecoin takes about 15 minutes. Bank withdrawal after conversion takes another 5 to 10 minutes via NIBSS.
The minimum varies by coin. Generally, any deposit above ₦1,000 equivalent is accepted. However, sending very small amounts can be uneconomical because network fees may eat up most of the transaction value. For small conversions under $20, USDT on TRC-20 is usually the cheapest option.
First, check the transaction hash on the correct blockchain explorer (blockchain.com for Bitcoin, tronscan.org for Tron and TRC-20, etherscan.io for Ethereum and ERC-20). If the transaction shows 'Confirmed' but your Swapto balance has not updated, wait a few more minutes. If it has been over 30 minutes, contact WhatsApp support at +234 811 337 2579 with your transaction hash, the coin you sent, the network you used, and the amount.
Sending crypto on the wrong network usually means permanent loss. For example, sending USDT on ERC-20 to a TRC-20 address, or sending BEP-20 wrapped Bitcoin to a native BTC address, may result in the funds not arriving. Always match the network in the Swapto app to the network you select in your sending wallet. If you make a mistake, contact support within 24 hours with your transaction hash. Recovery is rare but sometimes possible.
Swapto rates are competitive with the best in the market. We pull live crypto prices from major exchanges and combine them with the current USD to naira parallel market rate. Check the live rate calculator on the homepage before selling to see today's exact rate.
Before you confirm a sale, the app shows the exact naira amount you will receive. Network fees charged by your sending wallet are separate and are paid to the network.
No. Binance suspended its Naira P2P service in February 2024. This is why many Nigerian users switched to direct OTC platforms like Swapto. Selling crypto directly through Swapto avoids the counterparty risk P2P carries, and Nigerian banks do not flag naira from our corporate account the way they sometimes flag P2P deposits.
Getting your naira from Swapto to your Nigerian bank account.
8 FAQsGo to Settings, Bank Account, Add New Account. Enter your bank name, account number, and account name. The app verifies the account details against the bank's records automatically. Verification takes about 30 seconds. Once verified, the account appears in your withdrawal options.
From your naira balance, tap Withdraw. Select the bank account you want the money to land in. Enter the amount you want to withdraw. Enter your 4-digit transaction PIN to confirm. The naira lands in your Nigerian bank account in 5 to 10 minutes via NIBSS instant transfer.
Every major Nigerian bank works. GTBank, Access, UBA, Zenith, First Bank, Fidelity, Sterling, Union, Wema (including ALAT), Ecobank, Stanbic IBTC, FCMB, Polaris, Keystone, Providus, and all other commercial banks. Digital banks Opay, PalmPay, Kuda, Moniepoint, VBank, FairMoney, Carbon, and Sparkle are also supported.
Withdrawals from Swapto to your Nigerian bank take 5 to 10 minutes on average via NIBSS instant transfer. Digital banks like Opay, Kuda, PalmPay, and Moniepoint often clear even faster (under 2 minutes). If a withdrawal takes longer than 30 minutes, contact support with the transaction reference.
The minimum withdrawal is ₦1,000. There is no maximum for fully verified accounts. Tier 3 verified accounts can withdraw up to ₦2,000,000 per transaction and ₦20,000,000 daily.
No. Swapto does not charge withdrawal fees. The amount you see in your naira balance is exactly what lands in your bank account. Your bank may occasionally show a small standard fee on their end (usually ₦10 to ₦50 for received transfers), but this is a bank policy, not a Swapto charge.
No. For security and compliance reasons, you can only withdraw to bank accounts registered in your own name (matching your Swapto profile). Trying to add a bank account belonging to someone else will fail verification. This protects you from fraud and complies with Nigerian anti-money-laundering regulations.
Common reasons: the bank account details do not match Swapto's verification, the receiving bank is temporarily offline, the amount exceeded your daily limit, or NIBSS is experiencing intermittent delays. Failed withdrawals are automatically refunded to your Swapto naira balance within a few minutes. If your naira has not returned within an hour, contact support with the transaction reference.
Using your Swapto naira balance to pay bills and top up phones.
6 FAQsYes. Swapto supports electricity bill payments for all Nigerian DISCOs (Ikeja Electric, EKEDC, AEDC, PHED, and others). Go to Bills, Electricity, select your DISCO, enter your meter number, and pay from your naira balance. Token codes arrive within seconds for prepaid meters.
Yes. Under Bills, Cable TV, select your provider, enter your smart card number, choose the package you want, and pay. Your subscription activates within minutes. Swapto supports DSTV, GOtv, and Startimes on all package tiers.
Tap Airtime on the home screen. Select the network (MTN, Airtel, Glo, 9mobile). Enter the phone number (yours or someone else's). Enter the amount. Confirm with your PIN. The airtime lands on the phone within seconds. Airtime purchases deduct from your naira balance.
Yes. Tap Data on the home screen. Select the network, enter the phone number, and choose the data bundle you want. Confirm with your PIN. The data plan activates within seconds. All major Nigerian networks and data plan sizes are supported.
No. Swapto does not add fees on airtime, data, electricity, or cable TV payments. You pay the face value of the airtime or the exact bill amount. This is one of the reasons users prefer paying bills through Swapto instead of banks that charge convenience fees.
Wait 5 minutes first, as tokens occasionally lag. If it still has not arrived, check the transaction history in the app under Bills. If the transaction shows Success but no token arrived, contact support at +234 811 337 2579 with the transaction reference and your meter number. Failed token deliveries are refunded within an hour.
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Swapto is a Nigerian platform for selling cryptocurrency and paying bills. Sell Bitcoin, USDT, Ethereum, Tron, Litecoin, and other coins for naira, with payment landing in your Nigerian bank account in minutes. You can also use your naira balance to buy airtime and data, and pay for electricity, DSTV, GOtv, and Startimes subscriptions. Swapto was formerly known as Dtunes.
Download the Swapto app from Google Play or the App Store. Complete a quick BVN verification in about 5 minutes. Send crypto to your Swapto wallet using the network shown in the app. Once confirmed, sell it for naira at the live rate and withdraw the naira to your linked Nigerian bank account in 5 to 10 minutes.
You can sell Bitcoin (BTC), Tether (USDT), Ethereum (ETH), Tron (TRX), Litecoin (LTC), BNB, USD Coin (USDC), and other popular coins. Each coin has its own deposit address inside the app. Always match the network shown in the app when sending from an external wallet.
Crypto sell transactions typically complete in 10 to 30 minutes end to end. USDT on TRC-20 is typically the fastest, with 2 to 5 minute confirmation times. Bitcoin may take 10 to 20 minutes for 2 confirmations. Bank withdrawal after conversion takes another 5 to 10 minutes via NIBSS instant transfer. Airtime, data, and bill payments happen within seconds.
Swapto pulls live crypto prices from major exchanges and combines them with the current USD to naira parallel market rate. The rate you see when you confirm a trade is the exact rate that applies, with no hidden spread or last-minute markdowns.
Yes. Swapto operates within Nigeria's regulatory framework through a licensed partner. We use bank-grade encryption, two-factor authentication, and BVN verification to protect accounts. The Central Bank of Nigeria lifted its 2021 crypto banking restriction in December 2023.
Every major Nigerian bank works, including GTBank, Access, UBA, Zenith, First Bank, Fidelity, Sterling, Union, Wema, and Ecobank. Digital banks such as Opay, PalmPay, Kuda, Moniepoint, VBank, and FairMoney are also supported. If the bank accepts NIBSS instant transfer, Swapto can pay it.
You can pay for electricity across Nigerian DISCOs, including Ikeja Electric, EKEDC, AEDC, and PHED. You can also pay for DSTV, GOtv, and Startimes, as well as buy airtime and mobile data on MTN, Airtel, Glo, and 9mobile. Payments and top-ups deduct from your naira balance after selling crypto.
Before you confirm a sale, the app shows the exact naira amount you will receive. Network fees charged by your sending wallet are separate and are paid to the network.
Yes. Complete BVN verification inside the app under Profile and Verification. Verification takes about 5 minutes and is required by Nigerian regulations. Unverified accounts have a ₦500,000 cumulative trade limit, while verified accounts unlock unlimited trade volume.
Yes. Your referral link is in the app, and the current rewards and rules are shown there.
You can contact Swapto support on WhatsApp at +234 811 337 2579 for the fastest response during business hours, email support@useswapto.com, or use the live chat available inside the app. Support typically responds on WhatsApp within 10 to 30 minutes during business hours.
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