Security
Keep your money safe
Ardent will never ask for your PIN, password or one-time code. Here is how to spot a scam, and what to do if one reaches you.
01 / Spot it
Five signs of a scam
Urgency
Messages that say your account will close today unless you act now.
Asking for codes
Anyone asking for your PIN, password or one-time code, even if they say they are from Ardent.
Strange links
Links in SMS that do not lead to the Ardent app or this website.
Too good to be true
Promised returns, prizes or loans with no checks.
Wrong sender
Calls from numbers that are not on this page.
02 / Act
If something feels wrong
Freeze
Dial *000*5# or tap Freeze in the app.
Call
Our AI line +234 800 000 0808, answered day and night.
Report
Use the form below so a person investigates.
03 / Report
Report a fraud
A person on our fraud team replies within two hours, day and night.
- Do not delete the message
- Write down the number that called
- Freeze your card first
Questions
Questions people ask
Will Ardent ever call me?
Yes, but we will never ask for your PIN, password or one-time code. If unsure, hang up and call the number on this page.
Am I covered if I am scammed?
Report it at once. We investigate every case and refund where the bank is at fault.