Supported deposits type
Cleva supports different types of deposits into your account, depending on the source of the funds. Below are the categories of deposits you can receive on Cleva:
Freelance platforms: Payments from any freelance or payroll platform. E.g., from Upwork, PayPal, Payoneer, Deel, Rippling, Amazon, Etsy, Airbnb, and all such platforms.
Business payments: Payments from a business account to your Cleva account for services provided. E.g., from XYZ technologies to your Cleva account for services rendered.
From family: Payments from family with the same last name. E.g., from David Balogun to Tobi Balogun.
From yourself: Payments from yourself to your Cleva account. E.g., from Tobi Balogun Wise's account to Tobi Balogun Cleva's account.
Stablecoins: These are payments received via supported networks like USDT (TRON – TRC20), USDT (Ethereum – ERC20), and USDC (Solana). They are pegged at a minimum of $10 per deposit.
Third-Party Deposits
Third-party deposits are payments sent directly to your Cleva account from another individual's personal bank account.
Support for these deposits depends on the currency of your Cleva account.
USD
You can receive third-party deposits from individual bank accounts into your Cleva USD account, up to a total of $3,000 per day.
For example, John Doe can send money from his personal bank account to Mary Kane's Cleva USD account, provided the total deposits received that day do not exceed $3,000.
Compliance Review for Third-Party USD Deposits
Most USD third-party deposits undergo compliance review before they can be approved and credited to your Cleva balance.
If your payment requires additional verification, here's what to expect:
Your payment will be placed under review: You will see "In Review" on the transaction page.
Check your email: You will receive a Request for Information (RFI) email asking you to provide supporting documents confirming the source of your funds.
Submit your documents: Respond to the email with complete, accurate, and relevant supporting documents to help our Compliance team review your payment.
Receive your funds: Once your documents are reviewed and approved by our Compliance team, your payment will be approved and immediately credited to your Cleva balance.
Note: Some payments may be processed immediately without requiring additional documentation.
How long does the review take?
Compliance reviews may take up to 5 business days. Submitting your documents promptly can help speed up the process.
What happens if I don't submit the requested documents?
Your payment will be returned to the sender if:
You do not respond to the Request for Information (RFI) email.
The documents you submit do not meet our Compliance team's requirements.
The RFI email will also explain what happens if you do not provide the requested information.
GBP
Third-party deposits from an individual’s personal bank account are “Not supported”.
For example, a payment from John Doe’s personal bank account to Mary Kane’s Cleva GBP account is not supported.
EUR
Third-party deposits from an individual’s personal bank account are “Not supported”.
For example, a payment from Mary Kane’s personal bank account to Tobi Balogun’s Cleva EUR account is not supported.
Note: Payments from another person through supported platforms such as PayPal, Wise, Revolut, Remitly and Payoneer are supported and are not subject to the $3,000 daily third-party deposit limit.
Transaction Limits on Cleva
The amount you can receive into your Cleva account depends on your account tier and the type of deposit. Deposit limits are applied daily.
Cleva currently offers three account tiers: Tier 1, Tier 2, and Tier 3. Your account starts on Tier 1 (default), with the option to upgrade to Tier 2 or Tier 3 as your activity grows.
Tier 1 | Tier 2 | Tier 3 | Tier 1 |
Individual: $5,000 | Individual: $8,000 | Individual: $10,000 | Individual: $5,000 |
Business: $5,000 | Business: $15,000 | Business: $30,000 | Business: $5,000 |
Note: Account-tier deposit limits and deposit-type restrictions apply separately. For example, upgrading your account tier does not remove the $3,000 daily limit for direct USD third-party deposits.
How to Upgrade Your Tier
Contact Cleva Support through the app or via email at [email protected].
Request a deposit limit upgrade.
Submit the required documents, such as a valid proof of address or evidence of earnings (e.g., an invoice or employment letter).
Once verification is complete and your upgrade is approved, your new deposit limit will be activated.
Frequently Asked Questions
1. If my payment is from a business or freelance platform, could it still be flagged?
Yes. Deposits received on Cleva are reviewed to manage risk. In some cases, we may need additional information to verify a payment.
If this happens, you will receive an email requesting more information or supporting documents. Please respond with the requested details to help our team complete the review.
2. What is the limit for transfers from my Cleva account to my Nigerian bank account?
Your transfer limit depends on your account tier.
To view your limit, log in to your Cleva app and go to Settings > Transaction Limit.
3. Will all USD third-party deposits require compliance review?
Most USD third-party deposits undergo compliance review and may require additional documentation. However, some payments may be approved and credited immediately without a Request for Information (RFI).
4. How will I know if my USD third-party deposit requires additional verification?
You will see "In Review" on your transaction page and receive a Request for Information (RFI) email asking you to provide supporting documents confirming the source of your funds.
5. Can I receive more than $3,000 from another individual's personal bank account?
No. Your Cleva USD account can only receive up to $3,000 per day from third-party individual bank accounts. Payments that exceed this limit will be rejected.
6. How can I avoid delays with my USD third-party deposit?
Monitor your email and respond promptly if you receive a Request for Information (RFI).
Ensure that the documents you submit are complete, accurate, relevant, and clearly establish the source of your funds.
7. Why could my payment be rejected?
Payments may be rejected by our banking partners or returned following a compliance review for reasons including:
The payment details on the receipt do not match the information on your Cleva account, such as the account name or account number.
The sender has recalled or reported the transaction as unauthorized.
The deposit exceeds the supported limit.
The relationship between the sender and the recipient cannot be established.
The requested supporting documents were not provided or did not meet our Compliance team's requirements.
If you believe your payment was rejected incorrectly, please contact Cleva Support for further assistance.
Important: Please follow Cleva's deposit policy and transaction limits to avoid issues with receiving payments. If you have questions about receiving large deposits, contact us through in-app chat or email at [email protected].