flotQuestions,
answered.
Everything people ask most about Flot: accounts, cards, payments, WhatsApp and security. If your question is not here, the Flot team is a message away.
About Flot
What is Flot?
Flot is a financial platform built for Sierra Leone. It brings everyday banking, payments, Visa and Mastercard cards, travel booking and business finance into one app, with a WhatsApp assistant for the things you do most often.
Who operates Flot?
Flot is operated by Open Hubb SL Limited, registered in Sierra Leone with office at 78 Cape Road, Aberdeen, Freetown.
Is Flot regulated in Sierra Leone?
Flot operates within Sierra Leone's financial services framework, including the National Payment Systems Act 2022 and the Bank of Sierra Leone's consumer protection guidelines. Products are made available subject to Sierra Leonean regulation and the approvals held by the relevant financial-service and card partners.
Which banks and card networks does Flot work with?
Flot partners with Zenith Bank and Sky Bank for banking services, and Visa and Mastercard for card networks, with more banking partners coming onboard.
Is Flot available outside Sierra Leone?
Flot is built for Sierra Leone, with accounts designed around local identity, payment, and consumer-protection requirements. Flot cards can be used internationally wherever Visa and Mastercard are accepted, while Flot Chat enables global remittances.
Accounts and wallets
How do I open a Flot account?
Download the Flot app for iOS or Android, register with your phone number, and complete identity verification (KYC) in the app. You can also start a conversation with the Flot WhatsApp assistant.
What currencies can I hold?
Flot supports both Sierra Leonean leone (SLE) and US dollar (USD) wallets.
Why do I need to complete KYC?
Identity verification is a regulatory requirement for financial accounts in Sierra Leone. Completing a higher KYC level also raises the transaction and balance limits available on your account.
How do I add money to my Flot wallet?
You can fund your wallet from a linked bank account, from mobile money, or from a debit or credit card, directly in the app.
Which mobile money providers can I use?
Flot supports Orange Money and Afrimoney.
Is there a minimum balance to keep an account open?
No. There is no minimum balance required to keep your Flot account open.
Are there daily or monthly transaction limits?
Yes. Your limits depend on how far you have completed verification.
| Level | Verification | Limits |
|---|---|---|
| L0 | None. No documents required. |
|
| L1 | National ID. |
|
| L2 | Connect a bank account. |
|
Payments and transfers
How do I send money with Flot?
Send money instantly to other Flot users, mobile money wallets, and Sierra Leonean bank accounts through our payment rails. Both the Flot app and Flot Chat enable global remittances, making it easy to send money across borders. Before you confirm, every transfer clearly shows the amount, any applicable fee, and the recipient.
How long do transfers take?
All Flot transfers are instant, whether you are sending to another Flot user, a mobile money wallet, or a Sierra Leonean bank account.
Which banks can I send money to?
Currently, you can send money to Sky Bank. We are integrating with more banks soon, giving users seamless access to send money to and withdraw funds from all major banks.
What are the fees for sending money?
Flot-to-Flot transfers are free. Transfers from Flot to a bank account incur a 1.5% fee.
Is it free to receive money?
Yes. Receiving money through Flot is free. There are no charges for incoming payments.
What happens if a transfer fails?
If a transfer fails, the funds will be refunded to your account within 24 hours.
Can I get paid by someone who does not use Flot?
Yes. You can create a Flot Paylink, a shareable payment link that lets anyone pay you by Visa or Mastercard, whether or not they use Flot.
Can I pay bills and buy airtime?
Yes. You can top up airtime and pay electricity bills through the WhatsApp Flot chat.
Which airtime networks are supported?
Flot supports airtime top-ups for Orange and Africell.
Flot cards
What Flot cards are available?
Flot offers four tiers: Virtual (instant and free), Mint (Visa Classic), Gold (Visa Platinum) and Ultra Black (invitation only). Card pricing, benefits and eligibility are subject to Flot's current terms and approval.
When are Flot cards launching?
Flot cards are coming soon. You can join the waiting list from the Flot website to be contacted when they are ready.
What does a Flot card cost?
Flot cards are advertised with no monthly fee and a 1% transaction fee. Card pricing, transaction fees, benefits and eligibility are subject to Flot's current terms and approval.
Can I freeze my card if I lose it?
Yes. You can freeze and unfreeze your card instantly from the app, change your PIN and set spending limits without contacting support.
Flot on WhatsApp
What can I do with Flot on WhatsApp?
Flot Chat lets you send and receive money, move funds from your card or between mobile money wallets, top up airtime, find Flot merchants, review transactions, and get support, all within a familiar WhatsApp conversation.
Is Flot on WhatsApp secure?
Yes. WhatsApp chats are end-to-end encrypted, and Flot securely facilitates your transactions without holding your funds. Payments are authorized directly through your mobile money or card provider using your own PIN. Flot will never ask for your PIN, password, or verification code in a chat.
Business and developers
Can my business accept payments with Flot?
Yes. Flot Business supports collections by instant bank transfer, Visa and Mastercard, mobile money, POS terminals, payment links and QR payments, with reporting in one dashboard.
Does Flot have an API?
Yes. Flot offers a REST API for generating payment links and tracking payment status, with webhook notifications when an order is processed. Full details are in the Flot Merchant Integration Guide.
Does Flot have a test or sandbox environment?
Flot integrations connect to our production API. A separate staging environment is also available for testing.
How do I become a Flot merchant?
Reach out to the Flot Sales team and submit your business documents for due diligence. Once approved, a merchant payment account will be allocated to your business. For businesses with developers, the API documentation on the Flot website explains how to generate key pairs. Once complete, contact Flot Customer Care to create your merchant account and assign your destination wallet.
Security and support
How does Flot protect my money?
Flot uses biometric and PIN-based access, device protection, instant card controls, fraud monitoring and real-time alerts so you can see and stop anything unexpected.
What should I do if I think my account is compromised?
Freeze your card immediately in the app and contact Flot customer care on +232 80 800100 or +232 99 800100. Flot will never ask for your PIN, password or full card number.
How do I contact Flot support?
You can reach Flot customer care on +232 80 800100 or +232 99 800100, or start a conversation with the Flot assistant on WhatsApp.
Talk to a
real person.
The Flot team is in Freetown and answers in the channel you already use.