GENERAL QUESTIONS

What is Wadivo?
 Wadivo is a fintech start-up with an African focus that allows individuals who have been overcharged for services to recover them. Its first launch was in Cameroon in April 2023 and targeted the banking sector. Any individual holding a current account in Cameroon will be able to recover the account maintenance fees that were charged on their bank accounts before 2021.

How does Wadivo work?
 Users claim online.

Does Wadivo have any special ties with certain banks or Telcos in Cameroon?
 No. Wadivo is a platform independent and serves the interests of its users..

Can Wadivo have many offers at the same time?
 Technically, yes. But in practise, we have been focusing on one offer at a time.

Does Wadivo have any plans to expand into other countries and when?
 Wadivo was set up with a regional outlook, after Cameroon. This includes Nigeria, Cote d’Ivoire and Ghana in the next stage.

Why has Wadivo been in court in Cameroon against Ecobank?
 When Wadivo started in 2023, Ecobank accused it of fraud in Cameroon Tribune. It was thus important for us to reestablish our credibility.

What is the outcome of that judicial battle?
 Ecobank has been condemned for defamation and sentenced on 28 May 2026 to pay Wadivo and its promoter 1.5bn FCFA, in an unprecedented judgment in Cameroon.

TRUST QUESTIONS

Why should I trust Wadivo?

Wadivo is transparent in its ownership, pricing and procedures. It is a duly registered company under Cameroon laws.

Has anyone been paid before?

Not to this day (June 2026).

How many people have registered?

This is not public information.

How many claims have been submitted?

This is not public information.

How long has Wadivo existed?

Since 2023.

Who founded Wadivo?

Moyo Kamgaing, a Cameroonian and former international banker.

Is Wadivo regulated?

Wadivo is a personal claims company. This activity is not regulated.

Has Wadivo ever lost a case?

No.

Has Wadivo ever won a case?

Yes, Wadivo has won its defamation case against Ecobank.

Why is Wadivo doing this?

Wadivo is providing a service to its users for which users pay.

Why should I trust Wadivo with my information?

Wadivo is an open doors and trustworthy company, and users’ information is safe.

How does Wadivo make money?

Wadivo take a percentage on the monies recovered by Wadivo on their behalf.

What are my options if I have any disagreement with Wadivo?
 Any user has the full protections of the law under the Agreement and can sue Wadivo.

DATA & SECURITY QUESTIONS

Is my information safe?

Yes. Wadivo uses appropriate safeguards to protect personal information.

How do you protect my data?

The data is held is secured servers abroad managed by world class operators. 

Who can see my information?

Only authorized Wadivo employees.

Do you sell personal data?

No. Further, the Wadivo model is designed for the minimum data collection.

Can I delete my information later?

Yes it will not be retained if you close your account, unless as required by law.

What happens if there is a data breach?

It will be promptly corrected and relevant clients will be informed.

Do you comply with privacy laws?

Yes.

Why do you need my identification documents?

We do not ask for identification documents. Users are registered through their mobile phones.

How is my information stored?

Electronically.

Are my documents encrypted?

No. Certain communications are via encrypted channels.

SUPPORT QUESTIONS

How can I contact Wadivo?

By phone, email or WhatsApp.

Can I speak to a real person?

Yes, but the FAQs on the website will likely answer your questions faster.

What are your Support hours?

Support is available during office hours generally 9am to 5pm.

Can someone call me back?

Yes if you leave a message.

How quickly does Support respond?

We aim to return calls within the same day.

Can Support check my eligibility?

You can do this yourself in view of the terms of a running offer.

Can Support help me register?

Yes, although you will get the same information in FAQ.

Can Support help me upload documents?

No.

What languages does Support speak?

French and English.

Can I contact Support from outside Cameroon?

Yes.

CONVERSION QUESTIONS

What should I do next?

Register on Wadivo.com.

How do I start?

By pressing the login/register button.

Can I begin my claim now?

You will be able to begin you claim after registering.

How long will registration take?

It take only a few minutes, largely depending on the quality of your connection.

What happens after I register?

You will receive a notification by email.

Will someone review my claim?

No.

Will someone contact me?

No.

Why do I need to register?

Registering enters you into our systems as user.

Can I claim without registering?

No.

What information is required?

We require your first and surname, phone number and email address.

Why do you need my phone number?

This is our ways of identifying you.

Why do you need my email address?

As a second means of contact and to send you confirmation of registration.

Can I change my registration details later?

You can register a new telephone number changing the former.

Can I create more than one account?

No

What if I entered incorrect information?

Create a new account with the correct information and inform us.

Can I start registration now and finish later?

No.

Do I have to fill in all the fields on the form?
 Yes.

My country is not listed during registration. What does this mean?
 It means that unfortunately you cannot register at this stage. But check the website in the future.

Can I register on behalf of someone else?
 No, registration is personal.

Can I cancel my registration before the closing date?
 You can only cancel within the legal 14-day period after you have registered.

Can I use any format for the password?
 Yes, unless the system specifies the format (letters, capitals, numbers etc).

How can I get a copy of the contract?
 It automatically sent to your email address upon registration. You can also copy it from the website.

How can I negotiate and change the terms of the contract?
 No. The key points to remember in the Contract are: 1) you give Wadivo the exclusive mandate to negotiate the refund, 2) you make certain declarations and 3) you agree to the commission that Wadivo will receive.

GENERAL DESCRIPTION

What is a Bank offer?
 It is for reimbursement of bank charges unduly debited.

Who qualifies to make a bank claim on Wadivo?
 Eligibility is specified for each offer. You cannot claim on a bank account that is not in your name.

What type of charges can be refunded?
 These are any charges that were unlawfully levied or without the client approval.

Can Banks legally charge for un-approved services?
 No.

Can I request reimbursement for charges that I have authorized or agreed to?
 No.

Is there a deadline for submitting a claim?
 Yes, as indicated in the terms of an offer.

What is the cost to me of the Wadivo Bank claim?
 The submission of claims is free. We do not charge up-front costs. There is no cost to the user if no money is reimbursed.

SUBMISSION QUESTIONS

How do I submit a bank claim on Wadivo?
 After registration, you have to fill in the claim form providing 1) the name of the bank and 2) the amount claimed and 3) the specified proof.

What is the minimum amount to qualify for a refund?
 The minimum is shown on the claim form.

What if my bank is not in the list of banks on the claim form?
 This means Wadivo is not processing claims for your Bank at this time.

The proof file exceeds the size limit specified on the form. What do I do?
 Try resizing the file using the appropriate software/application and log in again

What file formats are allowed for the proof?
 The formats are listed on the claim form.

Can I register multiple claims under the same username?
 Yes, you will be asked if you wish to add a claim after the first one is entered.

If the Bank has already partially paid me, can I claim the balance here?
 No, this product is only for users who have never received a refund.

What happens if my proofs do not match the claim amount I entered?
 In this case, you might not be paid.

I want to submit a claim on two banks. How do I do it?

You can submit a new claim for that Bank and your account will have 2 claims.

Can my claim be rejected after a successful submission?
 Your claim can be processed by Wadivo but can be later rejected by the Bank. In that case, the Bank will give an explanation.

How do I know if the bank claim was successful?
 it is not guaranteed. It will be announced either in the media or via a general email.

What if my claim is not accepted by Wadivo?
 It means that it does not meet the eligibility criteria.

PAYMENT QUESTIONS

How much can I recover?
 Wadivo will claim a base amount and negotiate with the Bank. You will get 70 percent of the amount reimbursed. Percentages can change from time to time.

How long will it take for me to recover my funds with Wadivo?
 This will depend on the length of the negotiations, processing. and verifications.

Can you give me an exact timeline:

Unfortunately, we cannot prejudge this.

How will I receive my reimbursement?
 Banks will pay eligible customers directly into their bank accounts.

How can I be sure that Wadivo will not divert my refund?
 Your refund is made directly to your bank account.

Can payment be made in any other way, including cash at your office?
 No. Wadivo does not keep cash and does not make any cash transactions.

What happens if the Bank refuses to pay?
 Wadivo expects the negotiation for reimbursement of legitimate claims to be successful. But your mandate also gives Wadivo the right to sue the Bank. If necessary, we will instruct lawyers and start legal action.

How will I receive my reimbursement?

Direct into your account. Your money being the claim amount net of our commission is not paid through Wadivo.

Can payment be sent abroad?

No

Can payment be sent to Mobile Money?

No, unless Wadivo agrees this with Ecobank.

Can payment be made to a family member?

No

Can Wadivo receive my money?

No.

CLAIM STATUS QUESTIONS

How can I check the status of my claim?

Your page on Wadivo lists all your claims.

Why is my claim still pending?

Claims are outstanding until payment.

How will I be notified of updates?

This will be by a public announcement before your account is credited.

What documents may Wadivo request after submission?

You will be notified if that is the case.

COMMISSIONS AND FEES

When does Wadivo get paid?

Wadivo gets paid when the Bank reimburses

Do I pay anything upfront?

No

What happens if my claim fails?

You will not be reimbursed.

How is the commission calculated?

At the rate stated in the Contract, currently thirty (30) percent of the amount reimbursed.

Will there be any hidden charges?

There are no other charges.

OBJECTION HANDLING

This sounds too good to be true.

Wadivo is providing an innovative service and anything new can sound too good indeed.

Why would a bank refund me money?

Because they know that Wadivo will take them to court if needed.

I don’t think I was charged unfairly.

You do not need to claim.

I’m not sure it’s worth the effort.

No effort is required from you. You just submit the claim and Wadivo handles the rest.

What happens if I do nothing?

You could be missing an opportunity to claim what is yours.

Why should I act now?

The opportunity will most likely not arise again.

KEY TERMS

What is the Ecobank reimbursement campaign?

The Ecobank campaign offer or campaign is for the reimbursement of charges unduly levied by Ecobank at any time since January 2011.

How much can I recover?

The current indicative amount is 2,000,000 FCFA per eligible user, subject to change and verification.

Why such amount?

It represents 10 years of the specified surcharges.

Is registration free?

Yes.

Do I pay anything upfront?

No.

What happens if Ecobank rejects my claim?

Your claim will then most likely to pursued in court by Wadivo on your behalf.

Can I submit multiple Ecobank claims?

Yes if you had many accounts.

What is the deadline for the Ecobank campaign?

It is specified in the terms of the offer, currently 15 July 2026.

Is this a scam?

No. Users can refer to the detailed terms and conditions.

ELIGIBILITY QUESTIONS

Who qualifies for the Ecobank campaign/offer?

Holders of current accounts as of 1 January 2020.

Why such date?

It means at least 6 years of surcharges since the average is set at 10 years. 

What if I had an Ecobank account only after 1 January 020?

You are not eligible.

Can I make a claim if I have changed my phone number?

Yes. But you must change your registered phone number before.

Can I claim on behalf of a deceased relative?

No.

Can I claim for a business account?

No. Wadivo is currently only covering personal claims.

Can I claim if I no longer live in Cameroon?

Yes, as long as you were entitled to hold the account.

Can foreigners submit claims?

Yes

How do I know if I qualify?

You can check the eligibility terms of the offer.

Can I qualify if I have lost my bank card?

Yes, qualification has nothing to do with bank cards.

Can I qualify if I changed banks?

Yes

Can I qualify if my account number changed?

Yes

Can I qualify if I no longer have access to online banking?

Yes

Can I qualify if I forgot my account details?

No, you must be able to submit a bank statement or a declaration with the details

Can I qualify if my account was transferred to another branch?

Yes

I had a savings account. Can I claim?

You can claim but surcharges mostly apply to current accounts.

I had a joint account. Can I claim?

Yes

My account was frozen or is inactive. Can I claim?

Yes

My account was closed years ago. Can I claim?

Yes

I don’t remember when I opened my account. What should I do?

Use the earliest date for which you have a statement.

EVIDENCE QUESTIONS

What is acceptable proof?

Your statement or You can write and sign a declaration showing the account number and opening year and upload it instead.

What if I cannot find my Ecobank statements?

You can write and sign a declaration showing the account number and opening year and upload it instead.

Can I submit screenshots?

Yes if it provides the required information

Can I submit a PDF?

Yes

What if my statement is unreadable?

It will not be allowed.

Can I upload multiple documents?

No. Just one document (1 page) per claim.

What if I don’t have proof?

Your claim will not be accepted by the system.

Can Wadivo obtain documents on my behalf?

No

Will Ecobank check my records directly?

Yes

Do I need original documents?

No

Do I need certified copies?

No

What if my statements are incomplete?

You only need 1 page showing the surcharge you are claiming.