Home Withdrawal and Wallet Are There Withdrawal Fees?

Are There Withdrawal Fees?

Last updated on Jan 14, 2026

The short answer is: No, all withdrawals on Cardnaira are completely free, with zero fees.

No matter the amount you withdraw or your VIP level, we promise not to charge any withdrawal fees. The amount you request to withdraw from Cardnaira is the exact amount that will be transferred to your bank account, with no deductions.

Cardnaira's Zero-Fee Promise

  • 100% Payout Guarantee: If you withdraw 10,000 NGN, you will receive 10,000 NGN in your bank account.

  • No Hidden Charges: We do not charge any platform service fees, transfer fees, rush fees, or currency conversion fees.

  • Platform Covers Costs: Any costs associated with inter-bank transfers are covered by Cardnaira, so you don't have to pay anything.

We can do this because our main profit comes from the price differences in gift card trading. We choose to pass these profits back to our users during the withdrawal process to provide a more competitive and satisfying service.

Potential Fees from Your Bank

While the Cardnaira platform does not charge any fees, in rare cases, your receiving bank may charge a small fee. This is unrelated to Cardnaira and is based on your bank's own policies.

  • Bank Deposit Fees: In Nigeria and Ghana, the vast majority of major banks (like GTBank, Access Bank, Ecobank, etc.) do not charge for incoming deposits. Only a very small number of smaller banks might charge a minimal fee (e.g., 10-50 NGN).

  • SMS Notification Fees: Some banks may charge a small fee for SMS alerts for incoming funds.

Important: These fees are charged directly by your bank, and Cardnaira has no control over them. The vast majority of users will not encounter any bank charges when withdrawing.

Frequently Asked Questions (FAQ)

Q: Do all VIP levels enjoy zero fees?

A: Yes. All users, from Newbie to VIP-5 King, enjoy the exact same zero-fee policy. Your VIP level increases the speed of your withdrawal, but it never affects the cost.

Q: Are there any hidden conditions for free withdrawals?

A: No. The zero-fee policy is our long-term commitment and applies to any amount, at any time, for any VIP level. Our business model allows us to operate without charging users for withdrawals.

Q: Are there fees for large withdrawals?

A: No. Even if you withdraw the maximum single limit of 20,000,000 NGN, it is still completely free, and you will receive the full amount.

Q: Is there a fee for switching between NGN and GHS?

A: No. Switching currencies within your Cardnaira wallet is completely free. We use real-time exchange rates for conversions and do not charge any spreads or fees.