Your Chipper wallet is designed to help you manage multiple balances efficiently, including your local currency balance and your USD card balance. Understanding how these balances work ensures smooth transactions and prevents confusion when funding, withdrawing, or making payments.
Types of Balances in Your Chipper Wallet
1. Chipper Wallet Balance (Local Currency Balances)
Your main wallet holds funds in your local currency based on your country of registration. This balance can be used for various transactions, including sending money, paying bills, and funding your Chipper card.
NGN Wallet (Nigeria) – Holds Nigerian Naira (NGN) for local transactions.
UGX Wallet (Uganda) – Holds Ugandan Shillings (UGX).
GHS Wallet (Ghana) – Holds Ghanaian Cedis (GHS).
USD Wallet (Nigeria) - Holds US Dollars
USD Wallet (Uganda) - Holds US Dollars
2. USD Wallet Balance
This is your balance in US Dollars (USD). It is different from your USD card balance and serves as the funding source for your virtual USD card.
You can convert funds from your local currency to your USD wallet.
Funds in your USD wallet can be used for various transactions, including international payments where applicable.
3. USD Card Balance
Your Chipper USD Card Balance is separate from your USD Wallet Balance. When you fund your USD card, the amount moves from your USD wallet to your USD card.
Only the funds in your USD card balance are available for card transactions.
If you attempt a transaction that exceeds your USD card balance, the payment will decline.
You can always transfer funds from your USD wallet to your USD card.
Key Differences Between USD Wallet and USD Card Balance
FEATURE | USD Wallet Balance | USD Card Balance |
PURPOSE | Stores USD funds for transfers or card funding | Used only for card transactions |
FUNDING | Can be topped up from local currency balance | Must be funded from USD wallet |
USAGE | Used for withdrawals, conversions, and funding USD card | Used for online and POS payments |
REFUNDS | Refunds may return to USD wallet | Refunds may return to USD card |
Common Scenarios & FAQs
Why is my card balance lower than my USD wallet balance?
Why is my card balance lower than my USD wallet balance?
Your USD card balance only reflects funds that have been explicitly transferred to your card from your USD wallet.
Can I use my USD card balance for withdrawals?
Can I use my USD card balance for withdrawals?
No, only your USD wallet balance can be withdrawn. If you need to withdraw funds from your USD card, you must move them back to your USD or NGN wallet first.
Why was my transaction declined even though I have funds in my USD wallet?
Why was my transaction declined even though I have funds in my USD wallet?
If your transaction was declined, check if the required amount is in your USD card balance, not just your USD wallet.
💡 To ensure seamless transactions, always keep an eye on both your USD wallet and USD card balance. Before making a payment, confirm that your USD card has sufficient funds. If a transaction declines due to insufficient balance, simply transfer more funds from your USD wallet to your USD card.
Do you need further assistance?