Your wallet
You can choose to open a Noddit wallet: an account of your own, held with Noddit, a regulated provider. If you already have a Noddit account, you can link it instead. Once it is open or linked, some or all of your pay, and any early pay, can go into it. You don’t have to have one.
Who can open their own wallet: every member, for themselves.
Open the menu and select You → My wallet.
Open your wallet
Section titled “Open your wallet”Opening a wallet takes three steps.
- About the wallet. Read what the wallet is and what Cadre sends to open it. Select Next.
- Your details. Check your legal name, date of birth, phone and email, which come from your record. Type your BVN. You can also give your NIN for a higher limit. Select Next.
- Agree and open. Tick the box to agree, then select Open my wallet.
To open it, Cadre sends Noddit your name, date of birth, phone, email and home address (with its state) from your record, and the BVN you type (and your NIN if you give it). Noddit checks your BVN against your name and date of birth before it opens anything. Cadre does not keep your BVN or NIN.
Your phone number must be a Nigerian mobile number, and your record needs your home address and state of residence. If the page says something is missing, ask your HR team to add it.
The wallet is opened in your legal name. It can take a few minutes: Cadre says Your wallet is being opened. Select Refresh to check.
If the wallet could not be opened, Cadre tells you why. Check your details and try again.
Link your existing Noddit account
Section titled “Link your existing Noddit account”If you already have a Noddit account, you don’t need a second one: link it. Select Link it under Already have a Noddit account?. If you tried to open a wallet and Noddit found your account (same phone number, email or BVN), Cadre says so and offers Link my Noddit account.
- Give your account. Enter the phone number on your Noddit account, or your Noddit account number. Select Send me a code. Noddit checks the account is yours against your name and date of birth from your record.
- Enter the code. Noddit texts a 6-digit code to the phone registered on your Noddit account. Cadre shows where it went, for example 0805***4567. Type the code.
- Agree and link. Read what linking means, tick I agree, then select Link my account.
Cadre shows the same words whether or not your details matched an account, so it never tells anyone whether an account exists. If no code arrives, check the phone number or account number and try again.
- The code works for 10 minutes. Select Send a new code if it has expired. You can ask for a new code once a minute.
- After 5 wrong codes, linking is paused for a few minutes. Then send a new code.
- Cadre never sees or keeps your code beyond passing it to Noddit.
Once linked, Cadre can read your account’s balance and its last 30 days, and pay your salary into it as you choose. Cadre can never take money out of it. Noddit Lending can pay early pay into it, and takes its own fees from it, only if you accept an offer.
Unlink it
Section titled “Unlink it”Select Unlink on Your linked Noddit account, then Unlink again to confirm. Cadre stops reading your account, and all your pay goes to your bank account. Your Noddit account itself does not change. You can link it again later with a new code.
Your wallet
Section titled “Your wallet”Once it is open, Your wallet shows your Balance, your Account number, the Bank and the Name on the account. Last 30 days lists what came in and went out. A linked account shows the same, under Your linked Noddit account.
Choose where your pay goes
Section titled “Choose where your pay goes”Under Where your pay goes, choose one:
- All to my bank account
- A fixed amount to my wallet: enter the Amount each month (₦). If your pay is less, all of it goes to your wallet.
- A share to my wallet: enter the Share of your pay (%).
- All to my wallet
Then select Save. Whatever does not go to your wallet goes to your bank account.
Your choice applies to pay sent after you save it.