Dear Valued Customer,

introducing cif money INVESTMENT ACCOUNT

We are delighted to introduce to you the Cif Money Investment account an account that allows you to easily invest bitcoin and earn up to 5% return on investment (ROI) every week.

With the Cif Money Investment account you can request for bitcoin loans directly from your investment account.

Important points to note:

  • Your Account will be activated within the next 7 working days and you will be notified to sign-in to your Cif Money account at
  • Your Investment account is secure as it is protected by the most secure technology for financial transactions; a secure sockets layer coupled with a private password known exclusively to you
  • Your Investment account will always be valid
  • You can keep track of your bitcoin investment transactions on your account via the Online Account service and Cif Money Electronic Notification Service (CeNS)

The following transaction charges and limits apply to your account:


Country Account Investment Instant Deposit / Withdrawal API Payment methods
Nigeria Bitcoin transfer, Debit/Credit Card, Instant Bank Transfer

Deposit fees

Currency Method Fee
BTC Deposit to Bitcoin address Dynamic*
BTC Deposit to email address or mobile number Free
BCH Deposit to Bitcoin Cash address Dynamic*
ETH Deposit to Ethereum (Not Available) Dynamic*
XRP Deposit to Ripple (Not Available) Dynamic*
LTC Deposit to Litecoin (Not Available) Dynamic*
USDC Deposit to USD Coin (Not Available) Dynamic*



Withdrawal fees

Currency Method Fee
NGN Bitcoin Address Dynamic*
NGN Email Free
NGN Phone Number Free
NGN Bank transfer NGN 200.00


Investment fees

Your total 30-day investment volume is calculated each day by summing up all of your investment activity across all markets on the Cif Money Investment platform over the last 30 days (converted to your primary currency). You are then assigned a fee tier based on this total 30-day volume according to the table below.

Tier Volume Maker Taker
NGN 0.00 – NGN 99,999,999.99
0.00% 0.10%
NGN 100,000,000.00 – NGN 199,999,999.99
0.00% 0.09%
NGN 200,000,000.00 – NGN 399,999,999.99
0.00% 0.08%
NGN 400,000,000.00 – NGN 799,999,999.99
0.00% 0.07%
NGN 800,000,000.00 – NGN 1,599,999,999.99
0.00% 0.06%
NGN 1,600,000,000.00 – NGN 2,399,999,999.99
0.00% 0.05%
NGN 2,400,000,000.00 – NGN 3,199,999,999.99
0.00% 0.04%
More than
NGN 3,200,000,000.00
0.00% 0.03%

Instant deposit/withdrawal transaction limit

These limits are applied per instant deposit/withdrawal transaction. There is no limit on the number of transactions that can be done. 

Verification levels and limits

Certain limits apply to each verification level. Learn more about how these limits work and how you can upgrade your account.

Level 1 Level 2 Level 3
Deposits over all time
NGN 500,000
Withdrawals over all time
NGN 500,000
Deposits per month
NGN 1,000,000
Withdrawals per month
NGN 1,000,000