Overview
Your Urgent2K wallet holds the funds you use to repay loans and — for lenders — to disburse them. The recommended way to top up is through bank transfer via Flutterwave, which generates a temporary account number for each transaction.
1 Open your Wallet and tap Add Money
Navigate to your wallet from the dashboard. Tap the blue + Add Money button at the top of the wallet card. Do not use the dedicated account number shown lower on the screen — that is for a different purpose.
2 Enter the amount
An Add Money to Wallet modal appears. Type the amount you want to deposit. The minimum top-up is ₦100. Once you've entered the amount, tap Continue to Payment.
3 Select Bank Transfer
The Flutterwave payment screen opens. Choose Bank Transfer from the list of payment methods. If the page opens on the Card screen first, tap Change payment method and then select Bank Transfer.
4 Copy the transfer details and complete the payment
A temporary bank account is generated specifically for this transaction. Copy the exact amount and account number shown, then switch to your banking app and complete the transfer before the timer expires.
Complete before the timer expires
The temporary account number is only valid for a short window. If it expires before you transfer, go back and start a new payment session — a fresh account will be generated.
Wallet credited automatically
Once your bank confirms the transfer, your Urgent2K wallet balance updates automatically. You don't need to do anything else.
Transfer Details Reference
Here's what you'll see on the transfer details screen and what each field means:
| Field | What it means |
|---|---|
| Bank Name | Sterling Bank — this is where you send the transfer |
| Beneficiary | Urgent2K Wallet Deposit — confirms it's the right account |
| Account Number | Generated fresh for this transaction — copy it exactly |
| Amount | Transfer this exact amount — no rounding, no approximation |
| Expiry | Complete the transfer before this timer hits zero |
Important Notes
Do not use the dedicated account number
The dedicated account shown on your wallet page is separate and not for manual top-ups via this flow. Always start from Add Money.
Transfer the exact amount shown
Flutterwave matches transactions by exact amount. Sending ₦1,001 when ₦1,000 was requested can cause the wallet credit to fail or be delayed.
Expired details? Start a new session
If the timer expires before you complete the transfer, simply go back and tap Add Money again. A new temporary account number will be generated for a fresh session.
Transferred but wallet not credited?
Give it a few minutes — bank confirmations can take up to 5 minutes. If your balance still hasn't updated after 10 minutes, use the Help option inside the app and include your transfer reference number.
FAQ
What is the minimum top-up amount?
₦100. There is no maximum, but very large transfers may take longer to confirm depending on your bank.
How long does it take for my wallet to be credited?
Usually within 1–3 minutes of your bank confirming the transfer. During busy banking hours it can take up to 5 minutes. If it hasn't updated after 10 minutes, contact support via the Help option in the app.
I sent the wrong amount — what happens?
If the amount doesn't match what was generated for that session, Flutterwave may not credit the transaction automatically. Contact support immediately with your bank reference number and the amount you sent.
Can I save the account number and reuse it?
No. Each session generates a unique temporary account number. Sending to an old account number from a previous session will not credit your wallet.
The page expired before I could transfer. Did I lose money?
No. If you didn't complete the bank transfer, no money left your account. Simply start a new Add Money session and generate a fresh set of transfer details.
Can I top up using card or USSD instead?
The Flutterwave payment screen also offers Card, USSD, and Apple Pay options. Bank Transfer is recommended because it has no card processing fees and works reliably for Nigerian bank accounts.