Pre-Launch. Early Access Opens July 2026

Credit for the
Ones They
Left Out.

You earn. You are reliable. You still get turned away. ONEBANQ is the zero-interest credit card for Nigerians the old banks said no to. Real credit, clear fees, no interest. Ever.

Get Early Access See How It Works
verified_userBank-Grade Security paymentsVerve Physical Card flagNigeria Only
ONEBANQ home screen
how_to_reg Can you apply? 18 or over, resident in Nigeria, with a BVN, a government-issued ID and a verifiable income.

Millions of Nigerians earn well and are still locked out of credit. We are changing who gets to say yes.

What You Get

One Card. One Wallet. No Interest.

Everything ONEBANQ does today, described honestly. No features we do not ship.

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A Zero-Interest Credit Card

Get assessed, get a limit, get a physical Verve card. Spend on credit and pay it back with no interest charged. You only ever pay the clear fees we show you upfront.

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Airtime, Data and Power

Buy airtime and data, and pay electricity bills straight from your unified ONEBANQ wallet. Your token and receipt arrive in seconds.

send

Send to Any ONEBANQ User

Move money instantly to friends and family on ONEBANQ with a tag or phone number. Free, immediate, and built for the people you actually pay.

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Fees You Can Read in One Line

Issuance, monthly maintenance, a capped per-transaction fee. That is the whole list. No interest, no hidden charges, no surprises on your statement.

ONEBANQ credit approved screen
How It Works

From Application to Approved, in Plain Steps.

1
Apply and Verify. Confirm your identity with your BVN and a quick liveness check.
2
Get Assessed. We review your profile and tell you your decision honestly.
3
Get Your Limit and Card. See your approved credit limit and order your Verve card.
4
Spend and Repay. Use it, then repay with zero interest. Autopay keeps you on track.
Walk Through Every Step
The BanqCard

A Premium Card That Costs You Nothing in Interest.

A physical Verve card, accepted across Nigeria. Freeze it, set spend limits, change your PIN, and track every transaction from the app. The credit is real. The interest is zero.

Freeze in a TapPause your card instantly if it goes missing.
Set Spend LimitsCap what any single transaction can take.
Change PIN In-AppUpdate your card PIN without a branch visit.
Get Early Access
ONEBANQ card details screen
Honest Pricing
0% Interest.
Always.

We make money from small, fixed fees, not from your interest. Here is the entire list.

See Full Pricing
Card IssuanceOne time, when your card is made
₦1,500
Monthly MaintenanceKeeps your account and card active
₦150
Per Transaction3% of each spend, capped at ₦5,000
3%
InterestOn every naira of credit
₦0
Built on Trust

Your Money and Your Data, Handled with Care.

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Security First

Biometric login, transaction PINs, and instant card freeze. You stay in control of every action.

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Your Data Rights

Under the NDPA you can view your consent history, export your data, or request erasure from the app.

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Fair by Design

Clear fee disclosures, respectful collections, and an FCCPC complaint channel that is always reachable.

Good Questions

The Things People Ask First

We earn from small, fixed fees rather than interest on your balance. You see those fees before you ever accept a card, and they never change based on how much credit you use.
Nigerians aged 18 and over with a verifiable income, a BVN and a government-issued ID. The common thread among our users is being creditworthy but underserved by traditional banks.
Your BVN for identity verification, a quick liveness check, and basic profile and income details. We retrieve your verified name from NIBSS so you cannot mistype it.
Yes. We use biometric login and transaction PINs, and we handle your data in line with the Nigeria Data Protection Act, 2023. You can manage your consent and data rights directly in the app.
Read All FAQs

Be First in Line When ONEBANQ Opens.

Early access opens in July 2026. Leave your email and we will reach out the moment you can apply.

Opens our short sign-up form with your email already filled in.