ACCOUNT TIERS

Verify your account. Send more.

On Wyra every account starts at Tier 1. If you want to send larger amounts, you can upgrade to Tier 2 by verifying your identity. That simple.

🔒

Account tiers exist to protect you against fraud and to comply with financial security best practices. The more verified your account, the more you can send without limits.

Wyra's two tiers

Each tier has its own transaction limits. All new users start on Tier 1.

TIER 1 · DEFAULT

Basic account

No verification · Active on signup
Per transaction $100 USD
Per day $200 USD
Per month $1,000 USD
Per year $12,000 USD
TIER 2 · VERIFIED

Verified account

With identity verification · Coming soon
Per transaction $300 USD
Per day $500 USD
Per month $2,500 USD
Per year $30,000 USD

How do I upgrade to Tier 2?

Verification takes less than 5 minutes. You only need your ID document and a selfie. Wyra uses Stripe Identity — the same system banks like Chime and N26 use.

1

Open the Wyra app

Go to the "Profile" tab and tap "Verify identity" in the Account Level section.

2

Take a photo of your ID

We accept passport, driver's license, consular ID or any official document issued by your country of origin or the US.

3

Take a selfie

A quick face scan to confirm you're the same person as the document. Everything encrypted.

4

Done — Tier 2 unlocked

Most verifications are approved in under 2 minutes. Your new limits activate automatically.

Important note: Identity verification will be available soon. For now, all accounts operate on Tier 1. We'll notify you when it's ready.

Frequently asked questions

Limits protect both Wyra and you. They're standard financial security practices that help prevent fraud, money laundering, and unauthorized use of stolen cards. Every serious top-up and prepaid digital services app applies similar limits.

Your identity information is processed through Stripe Identity, which uses industry-standard encryption. Wyra does not store images of your ID or selfie. We only keep the verification result (approved or not) and the last 4 digits of the document to comply with regulations. Read more in our Privacy Policy.

No. We accept identity documents from practically any country in the world. Wyra was designed with the immigrant community in mind — you don't need an SSN, ITIN or specific immigration status to verify.

Nothing. Identity verification is completely free. Wyra covers the processing cost for you.

Absolutely. Tier 1 is fully functional and enough for most family top-ups. You only need Tier 2 if you send large amounts or make many top-ups in a short period.

Ready to start?

Download Wyra for free and send your first top-up in under 2 minutes. No commitments, no surprises — fees shown upfront.

Download Wyra