Terms of Service

Our Agreement with You

These Terms of Use govern your relationship with Hook and your use of our website, mobile app, and services.

Last updated: September 11, 2025

Introduction

These Terms of Use (“Agreement”) are between you and Hook Technologies Limited (“Hook,” “we,” “our,” or “us”). It governs your use of the Hook website, mobile app, and services (the “Platform”).

Hook is duly registered with the Nigeria Data Protection Commission (NDPC) as a Data Controller of Major Importance in line with the Nigeria Data Protection Act, 2023. We also comply with the Ghana Data Protection Act, 2012 (Act 843) and maintain registration with the Ghana Data Protection Commission (DPC) where required. This ensures your personal data is collected, stored, and processed in line with applicable national standards.

1. Acceptance of Terms

By registering and opening an account with Hook, you have unconditionally agreed to and accepted our terms of use. If you do not agree with any of these terms, please desist from using the Hook website, app, and its services.

Please note that these terms may be revised and reissued at any time. Your continued use of the Hook Platform will be deemed as an irrevocable acceptance of any revisions. Notwithstanding the above, we will strive to notify you of changes to these terms which significantly affect your rights and obligations. Such notices shall be sent to the email address you provided as part of your account registration and it is your responsibility to keep your contact information up-to-date.

2. Our Products And Offerings

Hook as a platform bridges the gap between individuals who need liquid cash and businesses who need discounted gift cards as a payment alternative. We provide services using our website (hook.ng), mobile app, and API (all together referred to as “Hook Platform”).

Our services enable individuals to exchange gift cards and vouchers for cash equivalent (herein referred to as ‘customers’ or ‘clients’ or ‘users’), and also enable businesses to get discounted gift cards as payment alternatives (herein referred to as ‘partners’).

3. Eligibility

To be eligible for the use of Hook Platform, you must:

  • Complete the registration process.
  • Not be less than 18 years of age as an individual and must possess the authority to accept the terms of use on behalf of or if it’s a company.
  • Not have been previously suspended or banned from the use of Hook Platform.
  • Pass all KYC and compliance requirements.
  • Not violate any law and regulation applicable to you, including but not limited to regulations on anti-money laundering, anti-corruption, and counter-terrorist financing.

4. Identity Verification

You hereby authorize Hook to, directly or through the use of a third party or parties, make any inquiries we consider necessary to verify your identity and/or your transaction and/or protect against fraud, including to query identity information contained in public reports (e.g., your name, address, past addresses, or date of birth), to query account information associated with your linked bank account (e.g., name or account balance), and to take action we reasonably deem necessary based on the results of such inquiries and reports. You further authorize any and all third parties to which such inquiries or requests may be directed to fully respond to such inquiries or requests.

5. Security of Account

Hook remains committed to the security of the platform, user data, and user assets, however, it is important that Hook users treat the login credentials used to access the platform as confidential information and avoid disclosure to any other party, or parties. As a user, you hereby agree that you are totally responsible for the security of your account and its login credentials.

Hook shall not be liable for any loss or damage caused by authorised or unauthorised use of your login credentials. You hereby acknowledge that you understand that Hook will never ask for your login credentials via email, SMS, social media, instant messenger, or any other channel.

6. Transaction Cancellation and Refund

Transactions on Hook may be cancelled within a certain time window if requested by a user. Transactions may also not be cancelled after a certain time window. You understand that the time window is totally dictated by Hook, and generally depends on the transaction status and the processing stage. You invariably agree that Hook ultimately dictates if a transaction may be cancelled or not.

Hook may also cancel a suspicious transaction, or if we believe it’s beyond our risk appetite, or if you are unable to provide all required information (like a purchase receipt) to verify the authenticity and legality of your transaction.

7. Transaction Modification

Hook may modify a transaction if submitted with wrong transaction details (perceived or otherwise). By using Hook, you agree that Hook may also modify your transaction in its best interest, or in your best interest, notwithstanding, our quality assurance policies ensure that you are satisfied as a user.

8. Prohibited Activities

The use of the Hook platform, or its services, or provided API prohibits that you:

  • Breach its terms of use or privacy policies.
  • Attempt to trade in an asset that was not legally obtained by you.
  • Facilitate, engage or partake in any fraudulent activities including but not limited to any actions to defraud Hook, its users, or any individual or company.
  • Breach any laws and regulations applicable to you.
  • Act in a defamatory or harassing manner to Hook, its agents, or its users.
  • Provide false personal information.
  • Carry out automated activities that consume an unreasonable amount of Hook’s infrastructure.

You hereby acknowledge that Hook reserves the right to restrict or terminate access to your Hook account or take legal actions upon the reasonable suspicion or conviction that you have carried out any of the prohibited activities.

9. Proprietary Rights

You acknowledge and agree that Hook is the exclusive owner of all intellectual property rights, including the Hook Platform, services, logos, trade names, brand names, designs, and necessary software used in connection with the Hook Platform. However, any proprietary rights associated with third-party logos, trade names, brand names, and designs shall belong to those third parties.

The Hook Platform may feature proprietary logos, service marks, and trademarks owned or used by the Company or others. Hook is not granting you any licence to use these proprietary marks by displaying them on the Platform, and unauthorised use may violate intellectual property laws.

You understand and acknowledge that Hook owns the Hook Platform, and these Terms and Conditions do not transfer any ownership, rights, or title from the Hook to you or any third party.

10. Privacy Policy

By using the Hook Platform, you acknowledge and agree to be bound by the terms of our Privacy Policy, which is incorporated by reference into these Terms and Conditions and can be found here.

Our Privacy Policy outlines the collection, use, and disclosure of personal information and other data by the Hook Platform. You are responsible for reviewing our Privacy Policy to understand how we use your information and data.

We may update or revise our Privacy Policy from time to time, and any changes will be effective immediately upon posting the revised Privacy Policy on the Hook Platform. By continuing to use the Hook Platform after any changes to the Privacy Policy, you agree to be bound by the updated or revised Privacy Policy.

11. Account Monitoring, Suspension, or Termination

Upon probable cause to believe that you have acted in violation of these Terms and Conditions or:

  • That any content or material or asset submitted or shared by you in or through the Hook platform violates these Terms of use or the intellectual property rights, other property rights, or the right to privacy of any third party.
  • We have reason to believe that your use of the Hook platform is in violation of any applicable law or regulation, or that you are using the services in a fraudulent manner or otherwise contrary to the purpose of this Agreement.
  • We have reason to believe that you have supplied false, misleading, or deceptive information in connection with your registration, identity verification, transactions, or any other use of the services, either to us or to another user.
  • You have not responded to our inquiries or supplied the information requested by us within a reasonable period of time.
  • We are required to do so under any applicable law, regulation, or an order issued by an authority.
  • If we determine that you have at any previous point in time violated this Agreement or any other agreement that you have entered into with us.

Upon the occurrence of ANY of the above, Hook shall immediately close, suspend or limit your account.

12. Grievance Policy

Hook believes in providing excellent service and strives to be sincere and transparent in its approach to customer service. Your confidence in us is of paramount importance to us and we would never place our personal growth before your interest.

We ensure a simply incredible and user-friendly experience for all our customers and in case of any complaint or concern, we do everything we can to fix them.

Hook has developed a procedure for prompt attention to the grievances of its customers with respect to various issues by setting up a “customer support” and “a dispute resolution mechanism”.

Customers can give their complaints/feedback only by using:

  • The live chat available on our public domain,
  • Calling our official contact number (+234 901 931 2249), or
  • Sending an email to help@hook.ng

You hereby agree that you are aware of our customer support channels, and we’re not liable for any damage or loss as a result of using any other unrecognized channel.

13. Disclaimers and Liability Limitation

  • Hook is not liable for delays or failures caused by events outside our control (e.g., internet outages, regulatory actions, natural disasters).
  • Third-party APIs or services used on the Platform may fail; we are not responsible for their performance.
  • To the fullest extent permitted by law, Hook disclaims liability for indirect, incidental, or consequential damages.

Hook makes use of the best services. Hook does not offer its services through social media. All transactions are done either on our official website (hook.ng), or on our mobile app downloadable on Apple Store or Google PlayStore.

14. Anti-Money Laundering Policy

Hook complies with:

  • The Money Laundering (Prohibition) Act, 2011 (as amended) (Nigeria).
  • The Terrorism (Prevention) Act, 2011 (as amended) (Nigeria).
  • The Central Bank of Nigeria AML/CFT Regulations, 2013.
  • The Ghana Anti-Money Laundering Act, 2020 (Act 1044) and related regulations.

We maintain transaction monitoring, reporting, and KYC processes, including cooperation with regulators such as the EFCC, SCUML, and the Ghana Financial Intelligence Centre (FIC).

15. Governing Law

This Agreement and the rights and obligations of the Parties hereunder shall be governed by and interpreted and construed as follows:

  • If you are in Nigeria, these Terms are governed by the laws of the Federal Republic of Nigeria.
  • If you are in Ghana, these Terms are governed by the laws of the Republic of Ghana.

16. Contact Details

If you have any questions or concerns regarding these Terms of Service, please contact us via:

Approved By Management
Updated this 11th day of September, 2025

Ready to trade with confidence?

Join 500,000+ users who trust Hook for fast, secure gift card trading.

Get started Learn more

Tag: $100 Steam Card

  • How Much Is a $100 Steam Gift Card in Naira Today? (August 2026)

    Quick Answer: A $100 Steam gift card is worth ₦125,000 – ₦190,000 on Hook in August 2026. Sell yours in minutes at Nigeria’s #1 rated gift card platform.

    If you’ve been searching for the current rate of a $100 Steam gift card in Naira, you’re in the right place. This guide gives you today’s live rates, explains every factor that affects your payout, and shows you exactly how to sell your Steam gift card safely for the best value in Nigeria.

    Gift Card Rate Calculator

    Hook.ng Rate Calculator

    Enter your gift card details below to calculate how much naira you’ll be paid, using our live rates.

    Enter amount
    Select a card to see the rate
    Select category
    Select card / denomination
    NGN PAYOUT ₦0
    Start Trading on Hook
    Loading live rates…

    The best gift card rates…

    Listed below are the top gift cards with the best rates on Hook right now, ranked in descending order. This list updates automatically as rates change.

    Loading top rates…

    About rates on Hook

    Gift card rates specified on this page are accurate as at the time it’s checked. So if you ever wonder “How much can I sell gift cards in Nigeria” or “what is gift card rate in Nigeria” or “what is the best gift card with highest rate”, this is the go-to page. However, rates change continually, and what the gift card rate is at the moment may change in the next minute. If you leave the tab open, always reload the page before checking current rates.

    Hook provides higher than the average rates to convert gift card to naira or cedis, which is because we have the interest of customers at heart. So, you can be rest assured that the rate you see on this page is the best.

    With that said, Hook remains the best site to sell gift card in Nigeria and also the best site to sell gift card in Nigeria and Ghana. On Hook, you can sell iTunes, Amazon, Razer Gold, Steam Card, Google Play, Apple Store, eBay, Walmart, Sephora, OneVanilla, Nordstrom, Target, JCPenney, Best Buy, Nike, Hotels.com, Macy’s, Gamestop, Xbox, Vanilla, G2A, American Express (AMEX), OffGamers, Foot Locker, Visa, Play Station and others.

    What affects gift card rates?

    Gift card rates are always a bit high during the festive period, like December. The end of the year is always a peak period for all industries, especially the e-commerce industry, a lot of businesses just want to stock up, which increases the demand for gift cards.

    Hook gift card rates are above the market average because we have customers’ interests at heart.

    Also, gift card prices increase during the holiday season, when many people are at home. This means more people are likely to play mobile games, which in turn increases the demand for gaming gift cards like Steam, Playstation, Xbox and Google Play.

    However, in response to the end-of-the-year rush, the e-commerce market is bound to adjust, and so the demand for payment methods like gift cards will drop around January. This contributes to relatively lower gift card rates in the early part of the year.

    In short, it’s all demand and supply. But rest assured, Hook will give you the best.

    steam euro gift card

    Current $100 Steam Gift Card Rate in Naira (August 2026)

    Hook updates its Steam gift card rates in real time. Below is today’s full rate table across all denominations:

    Steam Gift CardRate on Hook (₦)Rate per $1 (₦)
    $10 Steam Card₦8,000 – ₦17,000₦800 – ₦1,700
    $20 Steam Card₦29,000 – ₦38,000₦1,450 – ₦1,900
    $50 Steam Card₦68,000 – ₦88,000₦1,360 – ₦1,760
    $100 Steam Card₦125,000 – ₦190,000₦1,250 – ₦1,900
    $200 Steam Card₦250,000 – ₦290,000₦1,250 – ₦1,450
    $300 Steam Card₦365,000 – ₦470,000₦1,217 – ₦1,567
    $500 Steam Card₦585,000 – ₦790,000₦1,170 – ₦1,580

    Rates change daily based on the Naira–Dollar exchange rate and market demand. Always check the live rate on Hook before trading.

    Steam Gift Card Rates by Region in Nigeria (August 2026)

    Hook accepts Steam gift cards from multiple countries. Here’s how each region compares:

    RegionDenominationNaira Range (₦)Notes
    🇺🇸 US Steam (USD)$10 – $500₦8,000 – ₦790,000Second best
    🇬🇧 UK Steam (GBP)£10 – £500₦9,100 – ₦400,000Highest rates
    🇨🇦 Canada Steam (CAD)C$10 – C$500₦9,305 – ₦220,000Good demand
    🇪🇺 Europe Steam (EUR)€10 – €500₦9,000 – ₦269,000Solid value
    🇦🇺 Australia Steam (AUD)A$10 – A$500₦8,500 – ₦220,000Accepted
    Poland Steam (PLN)10 – 500₦9,500 – ₦220,000Accepted
    New Zealand (NZD)10 -500₦8,900 – ₦220,000Accepted
    Switzerland (CHF)10 -500₦10,900 – ₦220,000Accepted

    Pro Tip: US Steam eCodes always fetch the highest Naira rates on Hook. If you have a US digital code, expect top-tier payouts.

    How Does a $100 Steam Card Compare to Other Gift Cards?

    Steam gift cards are among the highest-paying gift cards in Nigeria. Here’s how a $100 Steam card stacks up against other popular brands:

    Gift Card BrandValue for $100Rate per $1 (₦)Demand Level
    Steam (US eCode)₦125,000 – ₦190,000₦1,250 – ₦1,900Very High
    Apple / iTunes (US)₦90,000 – ₦116,000₦900 – ₦1,160High
    Razer Gold (Global)₦117,000 – ₦120,000₦1,170 – ₦1,200High
    Google Play (US)₦50,000 – ₦100,000₦500 – ₦1,000Medium
    Xbox / PlayStation₦98,000 – ₦100,000₦980 – ₦1,000Medium
    Amazon (US)₦28,000 – ₦74,000₦280 – ₦740Very High

    Steam gift cards consistently rank among the top-paying cards in Nigeria, making them one of the smartest gift cards to trade in 2026.

    5 Factors That Affect Your $100 Steam Gift Card Rate in Naira

    Understanding these variables helps you trade at the right time and get maximum value:

    1. Card Region (US vs UK vs Canada vs Europe vs Australia)

    US Steam gift cards command the highest Naira rates because they are the easiest to verify and redeem globally. A $100 US Steam card will almost always pay more than an equivalent UK or Canadian card.

    2. Card Type: eCode (Digital) vs Physical Card

    eCodes — digital codes delivered via email — typically fetch higher rates than physical cards. They’re faster to verify, lower risk for the platform, and process in seconds. If you have a physical card, expect a slightly lower payout compared to the same denomination as an eCode.

    3. Naira–Dollar Exchange Rate

    The official and parallel market Naira exchange rate directly moves Steam gift card rates. When the Naira weakens against the Dollar, your $100 card pays out more Naira automatically. Rates on Hook reflect the current market in real time.

    4. Market Demand and Seasonal Timing

    Demand for Steam cards spikes during gaming sales events (Steam Summer Sale, Winter Sale, Black Friday). During these periods, buyers pay premium prices for Steam wallet credit — which pushes Naira rates higher for sellers. Selling during high-demand windows maximises your payout.

    5. Card Validity and Condition

    Only unused, valid, and fully unscratched cards are accepted. Partially redeemed, expired, or region-locked cards will not be processed. Always confirm your card is active and unredeemed before submitting.

    Why Sell Your $100 Steam Gift Card on Hook?

    Hook is Nigeria’s most trusted gift card trading platform, verified by thousands of users nationwide. Here’s why sellers choose Hook:

    • Best Rates Guaranteed: Hook consistently offers the highest Steam gift card rates in Nigeria.
    • Instant Payouts: Your Naira lands in your bank account within minutes of verification.
    • Bank-Level Security: Every transaction is encrypted and protected end-to-end.
    • Easy App: Available on both Google Play and Apple App Store with a clean, intuitive interface.
    • Transparent Fees: No hidden charges. What you see in the app is exactly what you receive.
    • Multi-Currency Support: Trade US, UK, Canadian, European, and Australian Steam cards.
    • 24/7 Customer Support: Real humans ready to resolve any issue quickly.

    How to Sell Your $100 Steam Gift Card on Hook — Step by Step

    Selling your Steam gift card on Hook takes less than 5 minutes:

    1. Download the Hook App from the Google Play Store or Apple App Store.
    2. Register and verify your account by setting up your profile and confirming your identity.
    3. Add your bank account details so payouts go directly to your account.
    4. Tap ‘Sell Gift Cards’ and select Steam Gift Card as the card type.
    5. Enter your card details — denomination, region, and your eCode or card photo.
    6. Review the live Naira payout amount displayed in the app.
    7. Confirm the transaction and submit for instant verification.
    8. Get paid — your Naira reflects in your wallet and bank within minutes.

    Start selling now: Download Hook on Play Store or App Store and get paid today.

    Tips to Get the Best Rate for Your $100 Steam Gift Card

    Follow these proven strategies to maximise your Naira payout:

    • Sell US eCodes whenever possible — they consistently pay the highest rates.
    • Trade during gaming sale seasons (Steam Summer Sale, Black Friday) when demand peaks.
    • Check the live rate on Hook immediately before confirming your transaction.
    • Keep your card unused and in perfect condition before selling.
    • Avoid sharing your card code publicly or with unverified individuals.
    • Never trade on Telegram or WhatsApp groups — scam risk is very high.
    • Sell quickly after receiving the card — exchange rates can move within hours.

    Safety Tips When Selling Steam Gift Cards in Nigeria

    Online gift card trading carries risks if you use unverified channels. Protect yourself with these rules:

    • Only trade on verified platforms like Hook — never with individual social media buyers.
    • Confirm the correct website URL or app before entering any card details.
    • Screenshot every transaction confirmation for your records.
    • Double-check your card code before submitting — mistakes cannot be reversed.
    • Ignore offers promising rates far above market — these are almost always scams.
    • Report any suspicious buyer or transaction to Hook’s customer support immediately.

    What Is a Steam Gift Card?

    A Steam gift card is a prepaid voucher that adds funds directly to your Steam Wallet. Steam is the world’s largest PC gaming platform, used by over 130 million active users globally. With Steam wallet credit, you can:

    • Buy PC games, indie titles, and AAA releases.
    • Purchase in-game items, skins, and cosmetics.
    • Download DLC (Downloadable Content) and expansions.
    • Subscribe to gaming services and tools.
    • Gift credit to other Steam users.

    Steam gift cards come in physical (scratch-to-reveal) and digital eCode formats, in multiple currencies including USD, GBP, EUR, CAD, and AUD. In Nigeria, they’re one of the most actively traded gift cards because of their high demand and strong Naira conversion rates.

    Frequently Asked Questions (FAQs)

    Q: How much is a $100 Steam gift card in Naira today?

    As of August 2026, a $100 Steam gift card is worth between ₦125,000 and ₦190,000 on Hook, depending on the card region, type (eCode vs physical), and current exchange rate. US eCodes fetch the highest rates.

    Q: Can I sell a $100 Steam gift card in Nigeria?

    Yes, absolutely. Steam gift cards — including US, UK, European, Canadian, and Australian cards — can be sold for Naira on Hook. Digital eCodes are preferred and processed instantly.

    Q: How fast do I get paid after selling on Hook?

    Hook verifies Steam gift cards almost instantly. Once verification is complete, your Naira payout is sent directly to your bank account, usually within a few minutes.

    Q: Do digital eCodes pay more than physical Steam cards?

    Yes. eCodes are easier to verify and process, so they typically attract a slightly higher Naira rate compared to physical cards of the same denomination.

    Q: Which Steam gift card region pays the most in Nigeria?

    US Steam gift cards (USD) consistently pay the highest Naira rates in Nigeria. UK (GBP) comes second, followed by European (EUR) and Canadian (CAD) cards.

    Q: Can I sell a partially used or expired Steam gift card?

    No. Only unused, valid, and fully active Steam gift cards are accepted. Partially redeemed or expired cards cannot be processed on Hook.

    Q: Are there fees when selling on Hook?

    Hook is transparent about its fee structure — any applicable fee is clearly shown in the app before you confirm your transaction. There are no hidden charges.

    Q: Can I convert my Steam card to another gift card instead of cash?

    Yes, some platforms allow gift card swaps (e.g., Steam for Google Play or Xbox). Hook’s primary service is converting gift cards to Naira cash, but you can check the app for any available swap features.

    Conclusion

    A $100 Steam gift card in Nigeria is worth between ₦125,000 and ₦190,000 in August 2026, with US eCodes commanding the highest rates. Steam cards are among the best-paying gift cards in Nigeria thanks to strong demand and high global liquidity.

    To get the maximum Naira value for your Steam card, always trade through a verified platform, choose US eCodes when possible, sell during high-demand periods, and check live rates before confirming your transaction.

    Hook makes the entire process fast, safe, and transparent — from submission to Naira in your bank account in minutes. Download the Hook app today and sell your $100 Steam gift card at Nigeria’s best rate.

    Ready to sell? Download Hook on Google Play or Apple App Store. Get paid in minutes.

    Adewale

    Admin