Quick answer: Available balance is the amount currently eligible for wallet actions. Pending reviews and locked rewards are not withdrawable yet. Add a verified payout method and follow the withdrawal status shown in Kardora.
Your wallet brings money activity together
The Kardora wallet gives Nigerian customers one place to review available funds, reward activity, pending card reviews and withdrawals. Each balance type has a different meaning, so it is important to read the label before taking action.
Available wallet balance
Your available balance is the amount currently available for eligible wallet actions. A submitted card does not become available balance simply because it has entered review. The card must be accepted and the corresponding payout status must be confirmed.
Pending review and locked rewards
Pending review represents value connected to a transaction that has not reached its final approved state. Locked rewards are promotional rewards that still have eligibility requirements shown in the app.
These amounts should not be treated as withdrawable cash until the app moves them into the appropriate available state.
Add a verified payout method
Before requesting a withdrawal, add the local payout account requested by the app and complete the verification steps shown. Check the account details carefully because inaccurate payout information can delay processing or require correction.
Requesting a withdrawal
- Open your Kardora wallet.
- Confirm the amount is in your available balance.
- Select a verified payout method.
- Enter the requested amount and review the details.
- Follow the security confirmation shown in the app.
- Track the withdrawal status in your wallet history.
External payment-provider processing and accurate account information can affect timing. Use the in-app status as the official update for your withdrawal.
Keep your payout account secure
- Use only a payout account you are authorised to use.
- Review the account name and number before confirming.
- Never share your password, PIN or one-time verification code.
- Contact official Kardora support with the relevant order or withdrawal reference when help is required.
The wallet is designed to separate available, pending and locked value clearly, helping you understand what can be used now and what still requires another step.