Get In Touch

We're always here
to help you.

Whether you have a question about your card, need help with a transaction, or want to explore what O3 Capital can do for your business — our team is ready.

Fastest Response

Chat on WhatsApp

Talk to a real person. Our team responds in minutes — no bots, no queues.

Start Chat →

Email Support

Send an Email

For detailed enquiries, complaints or partnership requests. We reply within 24 hours.

care@o3cards.com →

In-App Support

O3 App

Log into the O3 app and reach support directly from your account dashboard.

Open App →
Support Online Now

Support Hours

Monday – Friday8:00 AM – 6:00 PM
Saturday9:00 AM – 2:00 PM
Sunday & Public HolidaysClosed
All times in West Africa Time (WAT / UTC+1)

Direct Contact

WhatsApp

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Head Office

Tower 1, Plot 30, Churchgate St, Victoria Island, Lagos, Nigeria.

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Lagos, Nigeria

O3 Capital — Head Office

Tower 1, Plot 30, Churchgate St, Victoria Island, Lagos, Nigeria.
Appointments available on request

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Ready to Start?

Open your O3 account in under 5 minutes

Get your card, invest, and manage your finances — all from the O3 app.

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Quick Answers

The most common questions — answered before you even need to ask.

WhatsApp messages are typically answered within minutes. Email responses are sent within one business day. In-app chat is handled in real time during support hours.

Immediately freeze your card from the O3 app under Card Controls, then contact us on WhatsApp. We'll investigate and respond within 4 hours.

Yes. Log into the O3 app and go to Cards → Application Status. You'll see real-time updates. You can also reach out to our team with your application reference number.

Open the O3 app, go to Settings → Security → Reset PIN. You'll verify your identity via OTP sent to your registered phone number before setting a new PIN.

Send us an email at care@o3cards.com with subject "Partnership Enquiry". Our business development team will reach out within 48 hours.

O3 Capital operates primarily digitally for speed and convenience. However, you can reach our Lagos head office by appointment — contact us via WhatsApp to schedule.

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