Is Razz a real bank account?
Yes. Opening Razz gives you a full Nigerian bank account with its own account number, provided in partnership with a licensed bank. You can send, receive and get paid like any other account — it just also pays you back.
How does cashback work?
Pay any bill through Razz — airtime, data, electricity, cable, tickets and more — and a slice of it comes straight back to your wallet as real money, not points. No caps hidden in tiny print.
Is my money safe?
Your deposits sit with a licensed, NDIC-insured partner bank. The app is protected with device binding, biometric login and transaction PINs, and we never see or store your card details in plain text.
What does it cost?
Downloading Razz is free and opening an account is free. Transfers and bills carry the usual low fees — which cashback usually beats anyway.
How do split bills work?
Create a split, pick your people, and everyone gets a request for their exact share. You stop being the friend who fronts the money and chases everyone for weeks.
What do I earn for referrals?
When someone joins with your link and starts using Razz, you both get paid. Check the Refer & Earn tab in the app for the current reward.