No Interest. Just Clear,
Capped Fees.
Most credit in Nigeria costs you through interest you can barely track. ONEBANQ does not work that way. We earn from a few small fees, and here is every single one.
Every Fee, in One Table.
If a charge is not on this table, we do not charge it.
| Fee | When It Applies | Amount |
|---|---|---|
| Card Issuance | Once, when your physical card is made | ₦1,500 |
| Monthly Maintenance | Each month, to keep your account and card active | ₦150 |
| Per Transaction | 3% of each spend, never more than the cap | 3%, up to ₦5,000 |
| Interest | On any amount of credit, for any length of time | ₦0 |
These are the standard ONEBANQ fees, as set out in our Terms of Use. You will always see the exact fees that apply to you in the app before you accept your card, and any change is notified at least 30 days in advance.
We Make Money from Fees, Not from Your Interest.
Traditional lenders profit more the longer you stay in debt. That puts them on the opposite side of you. Our model is built the other way around. Small, predictable fees mean we do well when you spend and repay with confidence, not when you struggle.
See How It Works
Firm, Factual, Never Aggressive.
Life happens. If you miss a repayment, we follow clear, respectful steps in line with FCCPC guidelines. No interest piles up, and no one harasses you.
We Remind You
Clear reminders show your outstanding amount and due date well before anything changes.
Card Pauses, Reversibly
If a balance stays unpaid, spending is temporarily paused. It comes straight back once you are up to date.
Always a Way Through
Every notice shows a repayment option and a way to reach support. You are never stuck.
Credit That Respects Your Money.
Join early access and be first to apply when we open in July 2026.
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