Chipper Cash App Review – Cross-border digital bank

Chipper app is a free, secure, digital bank which offers a simple way to send & receive money across multiple African countries and the UK and America. The cross-border payments app, which has over 4 million users is currently available in Nigeria, Kenya, South Africa, Ghana, Uganda, Rwanda, UK and US .

The fintech app can also be used to perform a range of financial transactions including, bank transfers, airtime recharge, data subscription, electricity, water, and Cable TV bill payment, and the app is capable of so much more.

Chipper app also rewards users with cash rewards and cash back on some transactions performed using the app.

Key features of Chipper app

Once you download and install the app on your phone, you can easily do the following:

Send & Receive Money

Just say no to transfer fees or traveling to a bank or agent just to send and receive money. Instantly transfer between your account as and any other user for free.

No-Fee Money Transfers

Move your money between Chipper Cash and any bank, or mobile money account absolutely free!

Buy Discounted Airtime and Data Bundles & Earn Cashback

Purchase discounted Airtime and earn 2% or more CashBack instantly. Get Airtime for yourself, or send to a friend, even send it internationally! Instantly top-up from anywhere, on any network. Send Airtime to anyone across Africa.

Pay Bills Instantly for Free

Pay bill with no extra fees charged. Chipper Bill Pay is so easy, that you may even start paying your friend’s bills. Paying bills is easy, secure, and can all be done from one place. Plus, you’ll never pay additional fees.

Chipper Cash App Review

Earn with Chipper

Earn cash by sharing Chipper with friends and colleagues. They get a cash bonus too. You get a unique referral code you can share with friends and there’s no limit to how much you can earn. Nigerian users can get over N5000 for each UK user the refer!

Send pocket money to the UK and US

Studying abroad and need tuition and pocket money from home? Chipper saves your family money and you get the funds instantly. All you need is their Chipper tag and you can send and receive money securely.

Pros of Chipper Cash

  • Available in 6 countries including Nigeria, Ghana, South Africa, Uganda, UK and USA. Funds can be sent to and from these countries easily without charge.
  • multi-currency virtual cards with much higher spending limits than the ones provided by banks.
  • Zero charges on bill payments


  • Because of the sophistication of the technology it use, Chipper Cash is only usable by educated people with expensive devices
  • No in-branch physical customer service.
  • the multi-currency virtual card charges black market exchange rate which is usually higher than the official exchange rate.

What other users are saying about Chipper Cash App

This reviews are from the play store users on the android app;

Iyke Nwofoke wrote, “This app is one of the best I have used. The interface is so user friendly such that even a novice can easily understood the operation. I Use it for most of my quick transactions online and it has been working for me. But recently noticed a change in the initial bank account issued to me without notifying me about the sudden modification of that, and that was a bad experience so far! Nevertheless, I still recommend this app to everyone looking for a good online mobile bank app.”

Richson Braimah wrote, “This App is very reliable for finances. It works effectively in payment of bills. The options on display comes really handy. The only problem is the resolution of queries. You can not contact their customer service via phone (since there’s no phone number displayed on the App). And when you send message on a problem like a failed transaction, the response to your message takes over 3 hours or more to come.”

Aaronflexy wrote, “Great app with active support team. The app is super easy to use. But please add a button to remove beneficiary after cash out. I have lot of bank details in my cash out list. I might mistakenly cash out to the wrong account details. And again, the transactions are too public; at least there should be a page for transactions called “transaction history” to see your transactions…but this one they just appear in the main page of the screen after login.”

Is Chipper app legit?

Yes, Chipper cash app is legit. The app is a legitimate way to make payments that are being used by over 4 million people in 7 African countries and the UK and America. Funds in digital banks are equally insured by the NDIC just like those in traditional brick and mortar banks.

How to download Chipper cash app

  • Download and install the Chipper cash app from the Google Play store or Apple store
  • Share some information about yourself to create a unique tag
  • Login to your dashboard to begin enjoying massive discounts.

In conclusion, Chipper Cash app works just like CashApp and PayPal, in addition to buying airtime and paying for bills on it, you can also request payment from America and the UK and easily withdraw your funds into your local banks. Up until now, both CashApp and PayPal don’t operate in Africa or have limited operations in Africa, Chipper app is the alternative.

How much is Chipper cash exchange rate?

Chipper cash uses the black market exchange rate which is very volatile and changes based on market conditions. The current exchange rate is about 620/$ by might go up with changes in the black market.

Where can I use my Chipper Dollar card?

The chipper cash USD card can be used on most global payment sites like Uber, Google Play, Apple Music, Asos, Udemy, Coursera, AliExpress, Namecheap, Facebook, PayPal, etc. for payments and purchases.


A writer! Columnist and an academic researcher
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