When you submit a withdrawal, the money leaves your Nosh balance straight away. That does not mean it has been paid yet. Check the status of the withdrawal first.
How to check the status of your withdrawal
App: tap Wallet, swipe to the Naira, Cedis or Dollar wallet, then tap the withdrawal.
Web: open Wallet, choose the currency, then click the withdrawal under your recent transactions.
Meaning of withdrawal statuses
Pending: waiting for review
Our team checks every withdrawal before we pay it. This is usually safe but some withdrawals may need review. Your money is safe while it waits.
Processing: being paid
We've approved it and sent it to the bank, the mobile money network or the blockchain.
Naira to a bank account: usually within 5 minutes.
Cedis to MoMo: usually within 15 minutes.
USD to a crypto wallet: depends on the network.
You may get an "approved" or "paid" message at this point. Wait until the status shows Approved before you check with your bank.
Approved: paid
The money has left Nosh. For Naira, open the withdrawal and download the receipt. It shows the Session ID. If the money is not in your account after 24 hours, give the Session ID to your bank. Your bank can trace the payment with it.
Reversed or Rejected: not paid
The money is back in your Nosh wallet. For Naira, the processing fee comes back too. Open the withdrawal to see the reason. See "What do Pending, Processing, Approved, Rejected and Reversed mean?".
Why a withdrawal can take longer
Many withdrawals are waiting for review, for example late at night or on public holidays.
The bank network (NIBSS) or the mobile money network is slow or down.
Your account is paused for a security check. The withdrawal waits until the check is done. See "Why can't I sell, withdraw or pay? ("User action failed")".
Your bank account cannot receive the amount. Some accounts, such as student accounts, have low limits.
When to contact us
Your withdrawal is Pending for more than 10 minutes
Your withdrawal is Processing for more than 2 hours.
The status went from Processing back to Pending.
The status is Approved, but the money is not in your account after 24 hours.
Chat with us in the app or email help@usenosh.com. Send us the withdrawal reference. Your money is not lost. It either reaches your account or comes back to your Nosh wallet.