o3cards vs PrimeTrust APA
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
o3cards
This app provides access to credit and prepaid cards in Nigeria, aiming to promote electronic transactions and a cashless economy. It caters to the growing demand for micro-credit facilities among the working population.
- Credit card issuance
- Prepaid card issuance
- Naira denominated cards
- Promotes cashless transactions
- Micro-credit facilities
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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.
PrimeTrust APA
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PrimeTrust APA is a secure digital pension platform that makes saving for retirement simple. Open your Retirement Savings Account (RSA), make contributions, and track your pension balance anytime, anywhere. WHAT YOU CAN DO - Open a Retirement Savings Account (RSA) and complete your registration in minutes - Make pension contributions securely from your phone - View your RSA balance and contribution history - Track the status of your account and contributions in real time - Manage your profile and account settings - Access your account securely with a personal PIN BUILT FOR SECURITY Your information is encrypted and handled with care. Access is protected with a personal PIN, and your identity is verified as part of your registration. ABOUT PRIMETRUST APA PrimeTrust APA Limited operates as a licensed pension access point, helping contributors participate in the Contributory Pension Scheme. Contributions are processed to a licensed pension custodian. Start building your retirement savings today with PrimeTrust APA.
Screenshots
Verdict
The clearest difference is update cadence: PrimeTrust APA at every 3 days against o3cards's every 3 weeks. o3cards's advantage is iOS requirement (13.0 vs 15.1). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
o3cards ships an update every 3 weeks, PrimeTrust APA every 3 days. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.
| Parameter | o3cards | PrimeTrust APA |
|---|---|---|
| Price | Free | Free |
| Rating | 2.5 (32 ratings) — better | — |
| Positive reviews | 8.3% of reviews | — |
| Number of ratings | 32 — better | — |
| Update frequency | Every 3 weeks | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 58 MB | 42 MB |
| Age rating | 4+ | 4+ |
| Developer | O3 CAPITAL NIGERIA LIMITED | PRIMETRUST APA LIMITED |
In-app purchases
o3cards
No in-app purchases
PrimeTrust APA
No in-app purchases









