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Withdrawals & payments

Learn how withdrawals and payments work on Breet.
Breet
By Breet •
16 articles

How do I set up and manage MFA on my account?

Multi-factor authentication (MFA) adds a second layer of security to your account. Once enabled, you will need to verify your identity each time you log in and before completing any debit transaction — including Naira, GHS, and USD withdrawals, Buy Crypto, and bill payments. Breet supports two MFA methods: Email OTP and Authenticator App. Enable Email OTP 1. Tap "Profile" on the home screen. 2. Tap "Security Settings". 3. Tap "MFA Authentication". 4. Toggle on "Email OTP". 5. Enter the verification code sent to your registered email address. 6. Tap "Submit". Email OTP is now active on your account. Please Note: Once enabled, you will be asked for an email OTP on every login and before every debit transaction. Enable Authenticator App Before you begin, download an authenticator app on your phone such as Google Authenticator or Authy. 1. Tap "Profile" on the home screen. 2. Tap "Security Settings". 3. Tap "MFA Authentication". 4. Tap "Continue" on the MFA Authentication screen. 5. Scan the QR code with your authenticator app. Alternatively, tap "Copy" next to the Time-Based Setup Key and paste it manually into your app. 6. Tap "Continue", then enter the one-time code from your authenticator app. 7. Save your 10 recovery codes. Tap "Download" or "Copy" to save them, check "I have saved these codes in a safe place", then tap "Continue". Authenticator App MFA is now active on your account. Please Note: Each recovery code works only once. Store them somewhere safe. If you lose access to your authenticator app and no longer have your recovery codes, contact support via in-app chat or email support@breet.app. See: How to Use Recovery Codes Disable MFA 1. Tap "Profile" on the home screen. 2. Tap "Security Settings". 3. Tap "Multi-Factor Authentication (MFA)". 4. Toggle off your active authentication method. 5. Enter the 6-digit code from your authenticator app or email. 6. Tap "Submit". MFA is now disabled on your account. Please Note: Disabling MFA reduces your account security. We recommend keeping at least one MFA method active at all times.

Last updated on Aug 08, 2026

How do I withdraw from my USD wallet?

You have three options when withdrawing from your USD wallet: convert to Naira or Cedis, send to another Breet user, or withdraw as USDT or USDC. Withdraw as Naira or Cedis 1. Tap the "Wallet" icon at the bottom of your screen. 2. Swipe left to access your USD wallet. 3. Tap "Withdraw". 4. Enter the USD amount you want to withdraw. 5. Select "Naira/Cedis Wallet" as the destination. 6. Review the rate and the amount you will receive. 7. Confirm with your PIN or Face ID. Please Note: The minimum withdrawal amount is $5. No fees apply. The current market rate will be applied and shown before you confirm. Send to another Breet user Sending USD to another Breet user is free. You can send a minimum of $5 and a maximum of $500,000 per transaction, to a Breet user in any country. Please Note: Both you and the receiver must have completed Basic KYC verification to use this option. 1. Tap the "Wallet" icon at the bottom of your screen. 2. Swipe left to access your USD wallet. 3. Tap "Withdraw". 4. Enter the USD amount you want to send. 5. Select "Breet User" as the destination. 6. Enter the recipient's Breet username or registered email address. 7. Review the details and confirm with your PIN or Face ID. Withdraw as USDT or USDC 1. Tap the "Wallet" icon at the bottom of your screen. 2. Swipe left to access your USD wallet. 3. Tap "Withdraw", then select "Send Crypto". 4. Choose your coin: USDT or USDC. 5. Select your network: TRC20, ERC20, BSC, BASE or SOL. 6. Enter or select your destination address. Adding a new address requires OTP verification. 7. Review the network fee and estimated receive amount. 8. Confirm the transaction. Once submitted, the transaction is sent to the blockchain and should arrive at the destination address within a few minutes. Please Note: USD withdrawal limits depend on your KYC level. Without KYC, you can't withdraw from your USD wallet. With Basic KYC, you can withdraw up to $2,000 and unlimited with Advanced KYC completed. You can’t send USDT or USDC to a Breet deposit address. To pay another Breet user, use “Breet User” instead.

Last updated on Nov 05, 2026

Why haven't I received my withdrawal yet?

Most withdrawals reach your bank within 5 minutes. To see where yours is, open it in your wallet history and check the status. Pending Breet has your request but hasn’t sent the money yet. Most withdrawals leave Pending within a few minutes. Some need a check by the Breet team first, which can take a few hours. If your withdrawal is still Pending after 1 hour, contact support and share the transaction ID. Processing Breet has sent the money and is waiting for your bank to confirm it. Delays at this stage usually come from the bank network. If the money isn’t in your account within 2 hours, contact support. Successful Breet has sent the money, so any delay is now on your bank’s side. Common reasons: - Bank network problems or downtime - A limit on how much your account can receive (common with student or low-tier accounts; ask your bank if you’re not sure) If the money isn’t in your account 2 hours after the status shows Successful, contact support. Breet will give you a receipt and the transfer session ID, which your bank can use to trace the payment. Reversed Your bank sent the payment back. The full amount and the fee are returned to your Breet wallet, and you’ll get an email. You can withdraw again or use a different bank account. Rejected The Breet team stopped the withdrawal before it was sent. The full amount and the fee are returned to your Breet wallet. See: Why Is My Withdrawal Rejected? Why does the email show a higher amount? The “withdrawal completed” email shows the total taken from your wallet, including the ₦50 fee. Your bank receives the amount you entered. Please Note: You can’t cancel a withdrawal once you’ve confirmed it.

Last updated on Nov 05, 2026