Modern, simple, and
free. Everything to
keep control in your

Make online purchases and
payments for digital and
physical products without
caps, limits or restrictions

All that for free? Yes .

Bureacracy costs money. We are efficient
so you don't have to pay anything.

An App ready
for the new .

The O3 Cards work on the existing Interswitch Network/Verve, which means they can be used on all Automated Teller Machines (ATMs), Point of Sale (POS) terminals and Internet Payment Sites in Nigeria.

O3 Cards complies with the international Euro pay, MasterCard and Visa (EMV) Standard with data transmission done under an encrypted and secure environment. Our operating systems run on certified platforms that are Payment Card Industry Data

Security Standards (PCI DSS) certified and in line with International
Security Standards issued by the Payment Card Industry Security
Standards Council (PCI SSC).

No Bank Restrictions

EMV compliant to ensure online security

Accepted everywhere in Nigeria

24 Months validity

No Collateral/Zero Deposit

Revolving Credit

Minimum Mandatory Repayment of only
10% of what you spend.

Access to Discounts and Great Deals

Earn cashback on POS and Web spends. No minimum spend no spend exclusions

Get discounts & special deals when you use your card at cinemas, eateries and your
favorite spots.

Shop online and get discounts and amazing deals

Buy credit and data via the O3 app

Emergency card replacement

Staff enjoys a revolving credit cycle.

Staff can have access to
200% of his or her
monthly net salary.

Staff can make
minimum repayment of
the 10% on the
outstanding balance.

No fees

Maximum limit of

0.13% daily interest on what you spend

Free Supplementary cards

Transfer or Receive money to/from any bank