# o3cards > Nigerian non-bank card issuer for credit and prepaid Naira-denominated cards. (iPhone/iPad app by O3 CAPITAL NIGERIA LIMITED.) - Source: https://appshunter.io/ios/app/o3cards/id1565911719 (this page in markdown: same URL + `.md`) - Developer: [O3 CAPITAL NIGERIA LIMITED](https://appshunter.io/developer/1565911721) - Category: Finance, Lifestyle - Price: Free - Rating: 2.55/5 from 33 App Store ratings · 12 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 99 MB - Languages: English - Released: 2021-05-24 - Data updated: 2026-08-25 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/o3cards/id1565911719/reviews.md ## What is o3cards? O3 Capital is the first non-bank card issuer in Nigeria and aims to become the preferred credit card issuer in the long-term. The strategic thrust of the company is to issue Naira denominated cards; both credit and prepaid to the Nigerian market. This objective correlates to that of the Central Bank of Nigeria’s Financial System strategy 2020, to create a “cashless Nigeria”. The Central Bank of Nigeria (CBN) introduced a policy on cash-based transactions in on July 01, 2014. The policy aimed to reduce the amount of physical cash circulating in the economy and encourage more electronic-based transactions Taking advantage of the CBN initiative and the demand for micro-credit facilities by the growing middle income demography of the Nigerian working population, O3 Capital has developed its product to cater to the fast growing credit card market and seeks to cultivate the culture of credit card usage in Nigeria. ## Key features - Credit card issuance - Prepaid card issuance - Naira denominated cards - Promotes cashless transactions - Micro-credit facilities ## Recent user reviews (10 of 12) All indexed reviews: https://appshunter.io/ios/app/o3cards/id1565911719/reviews.md ### 1/5 — Rubbish app *2021-09-23* Unable to register an account this is like the 10th time I’m redownloading this app rubbish ### 1/5 — Complaint *2021-09-12, version 1.1* I am not able to sign up for the first time ### 1/5 — Not Worth it *2021-08-20* Waste of Data...this App doesn’t worth downloading at all...I regret getting it on my phone ### 1/5 — Not functioning *2021-08-10* Why would you waste your money on ads when the apps is not functional! ### 1/5 — Terrible *2021-08-02* The app does not deserve any rating. That terrible ### 1/5 — No option to confirm pin *2021-08-02, version 1.0* This app is not worth it, the pin confirmation option need to be worked on , error app ### 5/5 — 👎👎👎 *2021-08-02* Foolish app, na waste of time, they will only collect your details ### 2/5 — Still in process *2021-08-02* I think it’s still under development and will be fully functional soon. The features they will provide will be very helpful ### 1/5 — Mr Akay *2021-07-31* This app is so useless i can’t say more than that ### 1/5 — Transaction pin issues *2021-07-27, version 1.0* No option for transaction pin ## Frequently asked questions about o3cards ### What is o3cards? o3cards is a non-bank card issuer in Nigeria that provides Naira-denominated credit and prepaid cards. It aims to support the country's transition to a cashless economy. ### What types of cards does o3cards offer? o3cards offers both credit cards and prepaid cards. These cards are denominated in Naira and are designed for the Nigerian market. ### Is o3cards available on Android devices? Based on the provided information, o3cards is currently supported on iPhone and iPod devices. Android compatibility is not specified. ### How secure is o3cards? While specific security features are not detailed, o3cards operates within the framework of the Central Bank of Nigeria's policies aimed at promoting electronic transactions, suggesting a focus on secure financial operations. ### When was o3cards last updated? The latest version of o3cards is 2.3.8, and it was last updated on March 13, 2026. This indicates a recent and ongoing development cycle. ### What is the user rating for o3cards? o3cards has a rating of 2.5 stars from 34 ratings. This suggests that user satisfaction may be mixed. ### Does o3cards have ads? No, o3cards does not contain advertisements. The app is free to use without any ad interruptions. ### What is the age rating for o3cards? o3cards has an age rating of 4+, making it suitable for a wide range of users. ## Version history (last 5 releases) ### 2.4.1 — 2026-07-09 Bug fixes, and major performance improvement ### 2.4.0 — 2026-04-16 Bug fixes and performance improvement. ### 2.3.9 — 2026-04-02 Introduction of new reward system, physical card and some important new features. ### 2.3.8 — 2026-03-13 Major bug fixes and performance improvement. ### 2.3.7 — 2026-01-26 Bug fixes and performance improvement. ## Apps similar to o3cards | App | Rating | Price | Category | | --- | --- | --- | --- | | [FundQuest](https://appshunter.io/ios/app/fundquest/id1581269981) | — | Free | Finance | | [Monéé Powered by Citygate](https://appshunter.io/ios/app/monee-powered-by-citygate/id1668239974) | 5.0 (1) | Free | Finance | | [Fewchore Mobile](https://appshunter.io/ios/app/fewchore-mobile/id1530249533) | 5.0 (1) | Free | Finance | | [Regxta Business](https://appshunter.io/ios/app/regxta-business/id6467222864) | 5.0 (1) | Free | Finance | | [Payrail Agency](https://appshunter.io/ios/app/payrail-agency/id1588794187) | — | Free | Finance | | [Pryme (Previously OjirehPrime)](https://appshunter.io/ios/app/pryme-previously-ojirehprime/id1665362585) | 2.8 (5) | Free | Finance | ## More apps by O3 CAPITAL NIGERIA LIMITED - [Blink by O3](https://appshunter.io/ios/app/blink-by-o3/id6768255303) All apps by O3 CAPITAL NIGERIA LIMITED: https://appshunter.io/developer/1565911721 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*