High Yield, Higher Ambition
High Yield, Good Returns, Fixed Income Investment.
Grow Your Money
While You Sleep
O3 Capital offers Fixed Income Investment with highyield returns - monthly, quarterly, or annual payouts
High Yield
The O3 capital funds management service guarantees a steady stream of high yield returns on your Investment - whether that's monthly, quarterly or annually. It's up to you!
Capital Security
Due to our strategic approach, which ensures maximum returns, your funds are in safe hands.
Diversification
Diversification from stock market risk to a lower risk investment vehicle which are less sensitive to macroeconomics risk.
Capital Preservation
Capital preservation strategy aimed at safeguarding the value of your investment against market and inflationary pressures, with emphasis on return of principal.
See exactly what your
money can earn
Enter your investment amount, tenure, and preferred rate to calculate your projected returns instantly.
Annual Interest Rate
Rate varies by investment amount and tenure.
Higher amounts and longer tenures attract better rates.
ROI Calculator
Principal
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Gross Interest Earned
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Total (Principal + Interest) at Maturity
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Your investment is
in safe hands
O3 Capital operates with institutional rigour — so your money is always protected, compliant, and accounted for.
CBN Compliant
All investment operations are fully compliant with Central Bank of Nigeria regulations and guidelines.
Bank-Grade Encryption
256-bit SSL encryption and multi-factor authentication protect every transaction and account access.
Independent Audits
Regular independent audits and third-party verification ensure full transparency and accountability.
24/7 Support
Dedicated investment support team available around the clock via in-app chat, phone, and email.
FAQs
Download the O3 app, create your account, complete KYC verification, fund your account, then navigate to Cards and create your virtual card instantly.
You can spend from your USD, EUR, GBP, or NGN balance depending on the card type. Your card automatically draws from your available balance.
No manual top-ups needed. Your O3 card spends directly from your account balance — just make sure you have sufficient funds before a transaction.
Yes. You can add your O3 card to Apple Pay or Google Pay for fast, contactless payments anywhere in the world.
Yes. You can create multiple virtual cards for different purposes — one for subscriptions, one for travel, one for business — each with its own limits and controls.
Absolutely. Your card is protected by 3D Secure verification, in-app freeze/unfreeze controls, and industry-standard encryption on every transaction.
Your O3 card is accepted anywhere Visa is accepted — that's over 200 countries and millions of merchants online and in-store worldwide.
Once your account is verified and funded, you can create your virtual card instantly — it takes less than 5 minutes from sign-up to card ready.
Our support team is available 24/7. Reach us via the in-app chat, email us at hello@o3cards.com, or visit our Help Center for guides and tutorials.
Availability of card services depends on your location and supported jurisdictions. Learn more
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