Help Center
How to use Valu
Step-by-step guides for every part of the Valu ecosystem — from sending money to finding a pharmacist.
Valu Wallet
Your Valu wallet is your primary financial account. Once you sign up, you get a unique NUBAN (Nigerian bank account number) that other people can use to send you money directly, even from other banks.
Create your account
Sign up at valu.com.ng/auth/signup.php with your email and phone number. Your wallet is activated instantly — no waiting period.
Fund your wallet
Fund via bank transfer using your unique NUBAN, or fund from another Valu account. Funds reflect instantly with zero processing fees.
Set your transaction PIN
Go to Profile → Security → Set PIN. Your 4-digit PIN authorises all wallet transactions. Never share it with anyone, including Valu staff.
Note
Your wallet balance earns no interest by default. To grow your balance passively, use the Savings feature inside the Valu App.
Pay Bills (BeelzPay)
All bill payments on Valu go through BeelzPay, our internal settlement engine. Bills are processed at cost price — we charge a flat ₦10 service fee per successful transaction, nothing more.
Airtime
Buy airtime for any Nigerian network (MTN, Airtel, Glo, 9mobile) instantly.
Data Bundles
Purchase data plans at cost price for all networks.
Electricity
Pay PHCN/electricity bills and get your token immediately.
Cable TV
DStv, GOtv, Startimes — renew subscriptions with a few taps.
Betting Wallets
Fund Bet9ja, SportyBet, 1xBet, and more from your wallet.
Exam & JAMB Pins
Pay for WAEC, NECO, NABTEB, and JAMB registration fees.
Fee structure
Flat ₦10 per bill payment. Bank transfers to other banks cost ₦0. Wallet transfers between Valu users are always free.
Send Money
Valu to Valu
Tap Send on your dashboard
Choose Valu User and enter their phone or username
Enter amount → confirm with your PIN. Free, instant.
Valu to Bank Account
Tap Send to Bank
Select bank, enter account number — the name auto-fills for verification
Enter amount → confirm PIN. Charges: ₦0 (we absorb the NIP fee).
Always verify
Always confirm the beneficiary name before authorising any transfer. Valu cannot reverse completed transactions where the wrong details were entered.
KYC Verification
Your account is active the moment you sign up, but verifying your identity unlocks higher transaction limits and access to all platform features.
Unverified — Works immediately
Send/receive money, pay bills, top up. Limits apply per transaction and daily.
🪪 BVN Verification (Recommended)
Go to Profile → Verify Identity → Link BVN. Enter your 11-digit BVN and your date of birth. This is processed securely — Valu only confirms your identity against your bank records. Your BVN itself is never stored in plain text.
Privacy
We never share your KYC data with third parties. Verification is powered by Varifai, our in-house identity verification engine.
Finding Medications (CURA)
CURA uses a real-time live map to connect you with verified pharmacy and hospital stock. Stop moving from pharmacy to pharmacy — find what you need in seconds.
Open CURA
Go to valu.com.ng/CURA/ — sign in with your Valu credentials (same account).
Search for the medication
Enter the chemical name or brand name (e.g. Paracetamol or Panadol). Both generics and brand names are supported.
Browse the live map
Markers show pharmacies/hospitals that have flagged that medication as In Stock. Hover a marker to see proximity and price.
Compare prices
See real-time pricing from different providers to make the most cost-effective decision before committing.
Identity Masking
Why is the pharmacy name hidden?
CURA uses Identity Masking to protect the fairness of the system. The exact name and address of a pharmacy are hidden until you initiate a reservation. This prevents stock-hoarding and ensures medications are reserved for people who genuinely intend to collect them.
You can still see the general proximity on the map so you know whether the pharmacy is within your travel distance before unlocking.
Pro tip
Use the distance filter on the map to see only providers within a radius you can reach. Unlocking costs a small service fee — only unlock providers you actually plan to visit.
Unlock & Pickup
1. Reveal the provider
Pay a small service fee from your Valu wallet to reveal the pharmacy's full name, precise location, and phone number.
2. Your Pickup Code
You receive a unique 6-digit Pickup Code. This confirms the medication is held for you for 24 hours.
3. Navigate & Chat
Use built-in map directions to reach the pharmacy. Message the pharmacist directly if you have questions.
4. Secure pickup
Present your Pickup Code at the counter. The pharmacist verifies it and you complete your purchase safely.
Book an Artisan
ServiceKonnect connects you with verified artisans across 120+ categories — electricians, plumbers, mechanics, cleaners, and more. All artisans are background-checked and rated by real customers.
Go to ServiceKonnect
Open ServiceKonnect from the Valu menu. You're automatically logged in with your Valu credentials.
Search for a service
Search by service type (e.g. plumber, generator repair) or browse by category. Filter by location and ratings.
Review the artisan profile
Each artisan profile shows their verified skills, completed jobs, customer ratings, and rate. Reviews are from real, verified customers.
Book & pay
Pay the ₦5 booking fee from your Valu wallet to confirm your request. Payment for the actual job is agreed with the artisan directly.
Fee transparency
A ₦5 customer booking fee applies per confirmed request. Artisans pay a 10% platform commission on completed jobs — no hidden charges.
List as a Service Provider
Are you a skilled artisan? Join ServiceKonnect to get discovered by customers in your area. All you need is a verified Valu account.
- Real customers only — All customer bookings require a Valu account and a ₦5 commitment fee — no tyre-kickers.
- Honest ratings — Reviews come only from users who actually booked and paid. Fake reviews are not possible.
- Direct payouts — Service payments go directly between you and the customer. Valu takes only a 10% commission on completed jobs.
- In-app messaging — Communicate with customers through the built-in chat before, during, and after the job.
- Your own profile page — Showcase your skills, photos of past work, and certifications to build trust.
Still need help?
Our support team is available via WhatsApp chat or the contact form. We typically respond within a few hours.