How long does a withdrawal take?

Usually minutes. Some banks take up to a day.

Can I withdraw to any Nigerian bank?

Yes, to the payout bank account you add in Account.

So only you can move money out, even if someone else has your phone.

Can I cancel a withdrawal?

If it has not gone through yet, open it in Your money and tap Cancel withdrawal.

How to Withdraw From Oja to Your Bank Account

See what you have available and send it to your bank in a few taps, protected by your PIN. Here is how withdrawals work in Oja.

4 min read3 stepsReal app screensUpdated 3 Oct 2026

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How to Withdraw Money From Oja to Your Bank Account

Money from online orders, payment links and Oja Terminal transfers lands in your Oja balance. You decide when it goes to your bank. Every withdrawal needs your PIN, so only you can move your money.

Before you start

Your payout bank account added (Account, then Payout bank account).
A 4-digit PIN. Oja asks you to set one on your first withdrawal.

Tap Withdraw

Go to the Account tab. Your balance is at the top under Available to withdraw. Tap Withdraw.

Tap: Withdraw

Oja Account tab with the balance and the Withdraw button highlighted

Check Your money

Tap Balance and payouts to open Your money for the full picture: what is available, what is on the way, what you have withdrawn so far, and every payment in and out. Tap Withdraw here too.

Tap: Withdraw

Your money screen in Oja with the Withdraw button highlighted

Enter the amount and approve

Type how much, or tap Withdraw everything, then Continue. Check the bank account and tap Approve with PIN. The money is usually in your bank within minutes; some banks take up to a day.

Which plan has it:Every plan.

Good to know

New online sales reach your balance on a schedule you can see on Your money, like 24 hours after payment.
Verify your business (NIN, address, CAC) to raise your withdrawal limits.
Tap the download button on Your money to export your money activity as a spreadsheet.