Instant
Card delivery
No
Hidden fees
24/7
Support
For Individuals

Cards built for individuals

O3 Prepaid Card
O3 Prepaid Card
CBN Licensed Local Network
Annual Fee: ₦8,500
Core Card Features
  • Preloaded Naira-denominated prepaid card — no credit check required
  • Physical + Virtual card — issued same day
  • Fund your card instantly from any Nigerian bank account
  • Works at POS, ATM, and online across Nigeria
  • Pay bills, airtime, subscriptions, and more
  • 24/7 card support via WhatsApp and in-app chat
Control & Security
  • Freeze and unfreeze your card instantly from the app
  • Set spending limits and transaction controls in real time
  • PIN-protected and 3D Secure verified on every transaction
  • Instant transaction alerts via SMS and push notification
  • Zero liability on unauthorised transactions
  • Card details masked for safe online use
Ideal Use Cases
  • Staff and payroll expense management
  • Budget control for individuals and families
  • Student spending cards — no bank account needed
  • Gifting and corporate giveaway programs
  • Event and travel allowance distribution
  • Daily spending for the unbanked and underbanked
Apply Now → View Full Details
O3 Gift Card
O3 Gift Card
CBN Licensed Naira Denominated
Annual Fee: ₦15,000
Gift Card Features
  • Instant digital gift card delivery
  • Send gift cards to friends, family, and employees worldwide
  • Available in multiple currencies and denominations
  • Secure online redemption for shopping and subscriptions
  • Works across selected global retail and digital platforms
  • Physical and virtual gift card options available
  • Easy card balance tracking and transaction history
Shopping & Lifestyle Benefits
  • Use gift cards for online shopping, entertainment, and travel bookings
  • Access exclusive merchant offers and seasonal discounts
  • Perfect for birthdays, rewards, incentives, and corporate gifting
  • Accepted on selected international e-commerce platforms
  • Convenient gifting without the need for bank transfers
  • Flexible spending with no hidden redemption charges
Security & Protection
  • Protected transactions with advanced security systems
  • Instant card freeze and support assistance if compromised
  • Secure redemption process to prevent unauthorized usage
  • Real-time notifications for card activity and purchases
  • 24/7 customer support for card-related assistance
Apply Now → View Full Details

Perfect for every moment

From big celebrations to small acts of love.

Birthdays
Send the perfect gift instantly. No wrapping required.
Holidays
Celebrate Christmas, Eid, and every festive season.
Surprises
No occasion needed. Just a reason to show you care.
Corporate Gifts
Reward staff and clients in bulk. Easy to manage.
Graduations
Mark the milestone with something they can actually use.
Celebrations
Promotions, weddings, anniversaries — any win counts.

Get your O3 card
in less than 5 minutes

Download the app
Step One

Download the O3 app

Create your account
Step Two

Create your account

Fund your account
Step Three

Fund your account

Create your card
Step Four

Create your card instantly

Already have the app?

Go to Cards to create your
new virtual card in seconds!

Create your card →
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FAQ

FAQs

Instantly. As soon as you complete your purchase, the gift card is delivered digitally. The recipient gets it right away, no waiting.

Yes. You can send an O3 Gift Card to any family member or friend. They'll receive it digitally and can redeem it across supported platforms.

No manual top-ups needed. Your O3 card spends directly from your account balance — just make sure you have sufficient funds before a transaction.

No. The O3 Prepaid Card requires no bank account and no credit check. Complete quick KYC, fund your card, and you're ready to spend.

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.

Yes. O3 offers corporate bulk gift card solutions for HR teams and employee rewards. Contact care@o3cards.com for enterprise pricing.

Your O3 card is accepted anywhere Visa is accepted — that's over 200 countries and millions of merchants online and in-store worldwide.

Freeze it instantly in the app with one tap. You're also covered by zero liability on unauthorized transactions. Support is available around the clock.

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

Get digital banking
at your fingertips

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