O3 Capital Nigeria Limited is a financial services institution dedicated to enriching our customers' lives. By issuing both credit and prepaid cards, we offer various consumer loans and funds management services to ensure that every Nigerian has an equal opportunity to prosper.
We provide banking and credit products and services that help people achieve their goals — from starting a family to exploring the world. Our network connect banks, card members and merchants nationwide with innovative commerce solutions.
At O3 Capital, our vision is to become Nigeria's preferred card issuer. Our mission is to help people spend smarter, manage debt better and save more so they achieve a brighter financial future.
Help people spend smarter, manage debt better and save more so they achieve a brighter financial future — one card at a time.
To become the most trusted and widely used card issuer in Nigeria, giving every citizen equal access to financial opportunity.
We act with empathy and integrity, champion sustainable solutions, and use our energy and expertise to make a positive difference.
"Cashless Nigeria" — CBN Financial System Strategy
As Nigeria's first non-bank credit card issuer, our strategic thrust is to introduce both credit and prepaid Naira-denominated cards into the Nigerian market. This objective correlates with the Central Bank of Nigeria's Financial System Strategy, which aims to create a truly cashless Nigeria. We want every Nigerian to have the ability to keep up with daily consumption requirements — never cash-strapped, always empowered.
Care
Acting with empathy and integrity, we put the people and businesses we serve at the center of everything we do.
Sustainability
We are passionate about offering sustainable solutions that create long-term value for customers and communities.
Excellence
We champion innovation and use our energy, expertise and resources to make a positive difference every day.
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
