What you’re seeing usually means InvestNaija requires two-factor authentication (2FA) for withdrawals:
Email OTP → sent to your email (you’re receiving this)
Token / Authenticator code → generated from an authenticator app (this is what you’re missing)
This is a security requirement many investment platforms use to prevent unauthorized withdrawals.
Why you’re seeing “Email + Token required”
Some InvestNaija accounts are configured to require both email OTP and authenticator token
If you never set up an authenticator, the system may still be expecting one (this happens sometimes due to security updates or account settings)
InvestNaija itself notes that if you experience difficulty initiating withdrawal, you should contact their support team directly.
What You Should Try First
Try these steps:
Step 1 — Check Security Settings
Open your InvestNaija app and check:
Settings
Security
Two-factor authentication / Authenticator
Look for:
Google Authenticator
Microsoft Authenticator
Authy
If you see “Enable Authenticator” → set it up.
Step 2 — If You Never Set It Up (Most Likely Your Case)
You must contact support to reset your withdrawal security:
Email: info@investnaija.com
Phone: 0700-INVESTNAIJA
Tell them:
“I receive email OTP but I was never given a token or authenticator setup. I cannot withdraw.”
They usually reset or guide you.
Important ⚠️
Do NOT:
Download random “token apps” unless they tell you which one
Share your OTP with anyone
Pay any “withdrawal unlocking fee” (this is a red flag)