Secure your account
Your Pady account is protected by bank-grade encryption by default. Layer these settings on top and you make it functionally impossible for anyone but you to move your money.
- 1
Turn on biometric login
Settings → Security → Face ID / Fingerprint. This replaces the app-open PIN and is much harder to shoulder-surf.
- 2
Enable two-factor for transfers over ₦100k
Settings → Security → Large transfer 2FA. Any outbound transfer above your threshold requires a fresh code from your authenticator app or SMS.
- 3
Set a trusted device list
Only phones you approve can log in. New devices trigger an email and require a code from an existing trusted device.
- 4
Know the Freeze switch
On the home screen, tap Profile → Freeze account. This instantly halts all outbound transfers, card spends, and logins. Unfreeze the same way once you're safe.
- 5
Add an emergency contact
Someone we can verify with if you ever lose your phone and can't get into your email. They can't move money — only verify identity.
- Never share the SMS OTP with anyone — not even someone claiming to be Pady support. We will never ask for it.
- Report suspicious login emails to security@padymoney.com and we'll investigate within an hour.
Frequently asked
What if my phone is stolen?
Log in from any browser at padymoney.com/recover and freeze the account immediately. Then contact support to remove the old device.
Is my money insured?
Pady deposits are held with NDIC-insured partner banks, covered up to ₦5,000,000 per depositor.