Barter by Flutterwave app

Barter by Flutterwave App Review(Detailed) plus referral bonus

In this post, I will give a detailed explanation of Barter by Flutterwave App such as how it works and to get the best from the App.

Barter app is a legit and safe payment platform owned by Flutterwave. With its virtual dollar card, payment abroad is easy without CBN restrictions. An easy-to-use app for free transfers, bill payment, virtual cards and gift cards. Its exchange rate is higher than banks but you get it instantly.

In addition, you get a referral bonus when you create an account  with unleash as the referral code

With this post, you will have an understanding of what the Barter by Flutterwave app is.

So, let’s dive in.

What is Barter by Flutterwave App?

The Barter by Flutterwave is an app to send and receive money locally and globally, pay bills and create virtual dollar cards that work anywhere online. Other services include creating gift cards and buying airtime and data.

The Barter App is owned by Flutterwave, a top Nigerian fintech company that provides online payment services for businesses across the globe. Some of their clients are Jumia and Uber. Hence, the app is better positioned to make payment seamless for both individuals and businesses.

No doubt, using the barter app saves you a lot of costs and breaks restrictions that traditional banks have. Zero charges on bank transfers, instant transfers abroad and no debit card restriction like a naira card of Nigerian banks.

Barter App Products and Services

The barter is a fintech app that offers the following products and services:

  • Send and Receive Money
  • Virtual Dollar Card
  • Virtual Naira Card
  • Gift Card
  • Pay Bills
  • Buy Airtime and Data

How to download the Barter app and sign up

How to create account on Barter by flutterwave app

To start using the Barter, you need to download the App. To do this follow these steps:

  1. Go to Google Playstore or Apple Store. Search Barter by Flutterwave and install.
  2. Thereafter, sign up by filling your details with the referral code as unleash
  3. Verify your account with BVN and start enjoying the Barter app.

Barter by Flutterwave Referral Bonus Code Program

The Barter referral program is available for both new and existing customers.

As a new customer, if you sign up on the Barter app, enter referral code unleash and send money abroad, you will get a gift from Barter.

Furthermore, the Barter Refer and Earn program gives existing users the opportunity to invite their friends and earn a referral bonus.

So as an existing customer, you can refer your friends to sign up on the Barter app. When they fulfil the above requirements, both you and your friends will get the bonus.

How to get your Barter App Referral Code

To get your unique barter app referral code, open the app and tap More. Then, tap Invite Friends. And tap the copy icon.

Barter App Free Transfer

How to send money on Barter by flutterwave app

Sending money on the barter App locally and abroad is very easy and free. This is one of the reasons why the Barter app is popular. You can transfer to and receive money from these countries:

  • Nigeria
  • Ghana
  • Kenya
  • Rwanda
  • Tanzania
  • Uganda
  • Zambia
  • South Africa
  • Cameroon
  • Ivory Coast
  • USA
  • UK

Additionally, you can send money to these apps:

To transfer money on the Barter app,

  • Tap the Send Money.
  • Choose to send to bank account or other option
  • Enter the amount.
  • Enter the account details and so on.
  • Lastly, tap Send Money.

Barter by Flutterwave Virtual Dollar Card

create and fund virtual dollar card on Barter by flutterwave app

If you have been frustrated by the limit on your local debit card for international transactions, then the Barter virtual dollar card is for you.

The Barter virtual dollar card allows you to make payments globally without the usual restriction. Such as on Amazon, Netflix, eBay and even to pay for WES. Indeed, the virtual dollar card is the best for all these payments online.

To own a Barter virtual dollar card, you have to pay a $2 creation fee.

How to get and fund Barter Virtual Dollar Card

To start using your own virtual dollar card online, follow these steps to get Barter virtual dollar card and fund it:

  • Open the Barter app and tap Cards
  • Then, tap New Card on top
  • Tap Choose Virtual Card
  • Next, give your Card a name label
  • Choose Card designs
  • Enter the amount to fund the card. The $2 fee will be removed from the amount.
  • Lastly, tap Create Card

Right now, you can start using the card to make payments globally. And if you run out of the amount, go back and tap on the dollar card then, tap Fund and enter any amount.

Barter by Flutterwave other Services

Barter app also offers these services for customers to enjoy

1. Request Money

How to request money on Barter by flutterwave app

Barter by Flutterwave App made it possible to request money through a link unique to your account. When you share this link with people, they can pay you either through card or transfer.

Not only can you receive money in naira but also in other currencies. This means you can receive money around the world.

Another cool feature is that you can customize the request money to a certain price. For instance, if you sell a product of 10,000, you can set the request money to 10,000 to the people.

2. Buy Airtime

where to buy airtime

Another thing you can do on the barter app is to buy airtime. To buy, tap Buy Airtime, enter the amount and enter the phone number.

3. Pay Bills

The following are the bills you can pay with the barter app.

  • Electricity: EKEDC, IBEDC and IKEDC
  • Data services: MTN, GLO, AIRTEL and 9 MOBILE
  • TV subscription: DSTV, GOTV and STARTIMES
  • Internet services: iPNX, SPECTRANET, SMILE and SWIFT 4G
  • Toll gate: LCC

To pay for any of these on the Barter app, tap Pay Bills, browse through the option, and enter the details.

3. Gift card

create and fund dollar gift card

A gift card is a customized card you gift to your friends to make online purchases with it based on the actual amount.

With the Barter app, you can create a gift card of $10, $50, or any amount in dollars. This can be a perfect gift for birthdays, weddings, etc.

Lastly, creating a gift card on the Barter app cost $4 in addition to the amount you want to gift.

Barter App Fund Deposit Option

To add money to your barter account, tap the Add Money below your balance. There are two ways to add money to your account namely:

  1. Card or bank account
  2. Bank transfer

1. Card or Bank Account

By choosing this option, you have 3 ways to fund your account namely: Debit card, bank account or USSD code.

  • Pay with Card: You can fund your account through your debit card and the money will be credited to your barter account instantly. For me, this is the best option.
  • Pay with Account: This option means you will enter the bank details to fund your account
  • Pay with USSD: When you pick this, you would select the bank and the USSD code to dial on your phone will be generated.

2. Bank Transfer

When you open a barter account, you also get a bank account number. When you transfer to this account number, it will reflect on your barter account.

Therefore, copy the account details and transfer money to it using your bank app.

Fees: How much does the Barter app charge?

TransactionBarter App Fees
Create Dollar virtual card$2
Create Gift card$4
Bill Payments50 Naira

Barter by Flutterwave App charges a creation fee for a virtual dollar card which is $2 and a gift card which is $4. Additionally, there is a 50 Naira charge when you pay bills.

However, there is no fee for sending money to any bank account.

What is Barter App Transfer Limit?

Barter app transfer limit is 500,000 Naira daily and 15 million Naira monthly. Presently, that is the amount you can transfer on the app.

How to withdraw money from the Barter app by Flutterwave

To withdraw money from the Barter app,

  • Open the Barter app and tap Send Money
  • Then, tap Send to Bank account
  • Enter the amount and tap Continue
  • Fill in the details. Bank name, account number etc.
  • Lastly, tap Send Money

Indeed, withdrawing money this way on the Barter app is free. Transactions like this are free and unlimited on the platform, just like the Branch app.

What are the Benefits of Barter App?

So far, you should have seen reasons to use this app. Some of the benefits of the barter app are:

  • Get unlimited free bank transfers
  • Send and receive money globally
  • Make an online payment with a Virtual dollar card outside the country
  • Send a gift card to your friends and love ones.
  • Buy Airtime
  • Pay Bills

Is Barter app Legit (or scam) and safe?

The barter app is legit and not a scam. It is owned by Flutterwave, a licensed Nigerian fintech company and trusted online payment gateway.

All transactions carried out on the Barter app are safe and secured with the state of the art technology.

Also, your BVN detail is also safe. However, keep your password and transaction PIN safe.


How can I receive money with the Barter App?

To receive money from someone to your Barter app account can be through the Request Money or bank account option. Share your unique Barter app link which can be found in the Request Money section.
Another option is to receive money through the bank account number provided by Barter. You can find the account details in the More section or tap Add Money, then bank transfer.

Can i use the Barter app in the USA?

The barter app can be used in the USA, UK and other EU countries. Also, those living in these countries can send money to you.

Can I use the Barter App online on Paypal, Amazon, Netflix and WES?

Yes, by creating a virtual dollar card on the Barter App. Fund the card and start using it to pay on sites like Amazon, Netflix, Paypal and WES.

How to verify barter app account

To verify your barterp app account, add your BVN

How can I make money with the Barter App?

A business owner or freelancer can use Barter App to make money by using the Request money to receive money from customers.
Other ways to make money are by inviting your friends to sign-up using your referral code and using the free transfer to your benefit.

Final Thoughts: Barter by Flutterwave Review

Barter by Flutterwave is a trusted payment gateway platform by many people. The ease, a virtual dollar card, free transfer, and security are reasons why the Barter app is one of the best payment sites in Africa.

I can’t count the number of times it has saved me a lot of cash through its free transfer to any bank account.

Of course, the barter app has a lot of benefits but I only know of two shortcomings.

The first is the high dollar to Naira exchange rate. Compared to the Bank rate, the Barter exchange rate is high. This is normal with all fintech apps.

Secondly, is my experience in contacting customer care over pending money. I did not get any reply to my email and Facebook message but the issue was solved within minutes when I place a call. It was so prompt.

Hence, if you have any issues, call Barter app customer care rather than sending an email.

Do you have any further questions or what is your own experience?

Drop your comments below

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