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TRΛCECheck before you trust.

Information you can trust

Check before
you send.

TRACE lets you check a Nigerian bank account before you send money to it. See the account holder’s real name, public reports and a risk rating, so you can pay with confidence.

Secure. Private. Built for Nigerians.

Already sent money? Get help now
0
accounts checked
1,154
reports received
32
high-risk accounts
171
reports this week

How it works

Get the facts
in seconds.

TRACE pulls a verified name and community reports together to give you a clear picture before you send money.

  1. 1. Enter the account number

    Type the Nigerian bank account number you want to check, or send a screenshot.

  2. 2. See the real name

    We show the name on the account, so you know who you are really paying.

  3. 3. View reports & risk rating

    See what other people have reported and a clear risk rating, with the reasons.

Web App

Check any Nigerian bank account instantly on your phone or desktop.

Try it now

WhatsApp Bot

Chat with TRACE on WhatsApp. Send text, screenshots or voice notes in five languages.

Chat on WhatsApp

API for Banks & Fintechs

Put TRACE in your transfer flow and give your users an extra layer of protection.

View API docs 
curl -X POST https://<host>/v1/check-account \
  -H "Authorization: Bearer $TRACE_KEY" \
  -d '{"bank":"GTBank","accountNumber":"0123456789"}'

After a scam

Scammed? You’re not alone. Here’s what to do in the first hour.

TRACE guides you step by step, so you take the right action fast.

Get the guide
  1. 1

    Call your bank

    Use our script and know exactly what to say.

  2. 2

    Request a PND

    Ask for a Post No Debit freeze on the account.

  3. 3

    Know the timeline

    We track the bank’s deadline to respond.

  4. 4

    Escalate if needed

    If unresolved, we show you when and how to take it to the CBN.

How TRACE works

TRACE combines reports, evidence, recency and recurring patterns to provide a risk signal. A report is not proof that an account owner committed fraud.

  1. 01Community reports are signals, not automatic proof.
  2. 02Risk scores are informational and calculated by fixed rules, not AI.
  3. 03One person alone can never raise an account above low risk.
  4. 04Duplicate reports and report floods are filtered automatically.
  5. 05Account holders can dispute reports; disputes are reviewed by staff.
  6. 06Reporter identities are never shown on account pages.
  7. 07Always verify recipients independently.