---
title: "o3cards - Reviews, Revenue and Downloads in Nigeria | Apple App Store"
description: "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; "
---

# o3cards — Nigeria

![o3cards App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/38/23/40/382340f6-884f-cd93-829e-da2e31b19a7f/AppIcon-stg-0-0-1x_U007emarketing-0-11-0-85-220.png/434x0w.png)

**Developer:** [O3 CAPITAL NIGERIA](https://apptail.io/developer/o3-capital-nigeria-TGLd)
**Category:** Finance
**Rating:** 2.9/5 (97 ratings)
**Price:** Free
**Bundle ID:** com.o3cards.o3cards
**Store:** Apple App Store
**Country:** Nigeria
**Version:** 2.3.5 (released 2026-01-06)
**Original Release:** 2021-05-24
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/ng/app/app/id1565911719)
**AppTail Page:** [https://apptail.io/app/o3cards-QMQ/nigeria](https://apptail.io/app/o3cards-QMQ/nigeria)

## o3cards Description
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.

## o3cards Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/b4/47/05/b447057c-6f86-62c9-e2b2-01ac5c2a353a/9_16_Store_Banner_2nd.jpg/1260x2736.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/5e/3a/08/5e3a08bc-b2d6-7f09-c399-9596a3ee42cc/d90475bc-5c0b-4a2e-a0b9-faea957449a8_9_16_Store_Banner_2nd.jpg/1290x2796.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/4d/f8/23/4df823f9-8cc5-eeaf-dc29-d39d2fd73633/5f116646-f864-4f1a-a20f-0fcc2f4ed587_9_16_Store_Banner_3rd.jpg/1290x2796.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/5e/c3/88/5ec3889e-3b6e-15df-0270-963ff6600339/56bbdbe5-04da-4cda-8869-dbd83f8e0032_9_16_Store_Banner_5th.jpg/1290x2796.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d3/97/f1/d397f16b-9f10-8c4f-a044-2855fb70746e/9_16_Store_Banner_2nd__U00281_U0029.jpg/1260x2736.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/5d/86/76/5d867612-f721-1b41-076b-f2cf4f723dc0/9_16_Store_Banner_2nd__U00282_U0029.jpg/1260x2736.png)

## o3cards Rating Breakdown in Nigeria
- 5 stars: 41 (42%)
- 4 stars: 4 (4%)
- 3 stars: 2 (2%)
- 2 stars: 1 (1%)
- 1 stars: 49 (51%)

## o3cards Reviews in Nigeria

### ***** "GREAT PRODUCT"
The O3 App is the most seamless app. Welldone to the O3 team.
-- Fortune222, 2024-10-23

### ***** "Great app"
I enjoy using the app. It’s a great app
-- Yinka5star, 2024-10-11

### ***** "Babatunde"
A Real Fuctional App. One of the best have seen. User-friendly app and an amazing experience it has all the necessary features a financial app should have and more. I will rate the app 10/10
-- BeTeey, 2024-10-10

### ***** "The new change"
This change was needed and the onboarding process was seamless. What wowed me is the application process for making a credit card request. I got my O3 AMEX Green card delivered to me and got my online subscription locked. Great game.
-- Jayido, 2024-10-10

### ***** "Great app"
Nice app. Seamless transactions
-- Stanchoko, 2024-10-10

### ***** "Good app"
Still trying to setup. Doesn't send otp to me
-- currentiyke, 2024-08-15

### ***** "Love the update"
Love how the app has gotten better since the rebuild and launch with American Express
-- Arizonaee, 2024-08-15

### ****- "User Friendly"
Am glad that you keep updating the App and making it easier to pay into your O3 card via the app and also send to other O3 Card Users
-- NanyaBekee, 2022-06-09

### *---- "Account statement"
Offering financial services without a transparent customer account statement or even a simple transaction history is a sham
-- rhincenice1, 2022-05-21

### *---- "Unable to signup"
I’m unable to signup for the app, keeps giving me a remark of authentication error.
-- deedamie, 2022-04-24

### *---- "Unable to log in"
I am unable to log into the application. I keep getting authentication error. Even when I try to do forget password, I see that it says my email address is not registered as a user. Then when I try to create a new account, I get the same authentication error. So I can’t use this application at all
-- zazzy953, 2021-11-27

### *---- "Transfer and paying bills issues"
I have been trying to make transfer and buy data for almost a week and it has just being saying transaction denied. I sent a mail and they did not reply, I even called all their numbers and nobody picked.
-- asake23, 2021-11-27

### *---- "Has anyone successfully gotten a card?"
Has anyone successfully gotten a card? Even 1 person.
-- Uyaismiles, 2021-11-14

### *---- "Useless app"
Very useless app, why can’t one proceed after requesting for a loan why always stop there
-- iyqegram, 2021-09-27

### *---- "Registration issue"
I am trying to register and it’s telling me requirements are not met please can you work on itt😭
-- dahrib, 2021-09-18

### *---- "Can’t upload ID"
After signing up. I tried uploading id. It will show successful. But it won’t proceed.
-- englox, 2021-09-12

### *---- "Issues"
I can’t register
-- funmities, 2021-09-11

### *---- "Rubbish"
Useless app
-- omuma sandra, 2021-09-09

### ***** "My o3 app experience"
Very swift and efficient mobile app for transactions
-- dmnaaaa, 2021-09-06

### ***** "App on point"
The app is so so on point😍
Very easy and flexible for me to move my funds 😁💃💃💃
O3cards Nice one guys👍👍🙌
-- Amaka oli, 2021-09-06

[View all o3cards reviews and detailed analytics on AppTail](https://apptail.io/account/signup?utm_campaign=ai-crawl&utm_content=reviews)




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## o3cards Available In
- [Nigeria](https://apptail.io/app/o3cards-QMQ/nigeria)
- [United States](https://apptail.io/app/o3cards-QMQ/united-states)
- [Canada](https://apptail.io/app/o3cards-QMQ/canada)
- [United Kingdom](https://apptail.io/app/o3cards-QMQ/united-kingdom)
- [Colombia](https://apptail.io/app/o3cards-QMQ/colombia)
- [Dominican Republic](https://apptail.io/app/o3cards-QMQ/dominican-republic)
- [Algeria](https://apptail.io/app/o3cards-QMQ/algeria)
- [Ecuador](https://apptail.io/app/o3cards-QMQ/ecuador)
- [France](https://apptail.io/app/o3cards-QMQ/france)
- [Greece](https://apptail.io/app/o3cards-QMQ/greece)
- [Hong Kong SAR China](https://apptail.io/app/o3cards-QMQ/hong-kong)
- [Ireland](https://apptail.io/app/o3cards-QMQ/ireland)
- [Argentina](https://apptail.io/app/o3cards-QMQ/argentina)
- [Japan](https://apptail.io/app/o3cards-QMQ/japan)
- [South Korea](https://apptail.io/app/o3cards-QMQ/south-korea)
- [Kuwait](https://apptail.io/app/o3cards-QMQ/kuwait)
- [Kazakhstan](https://apptail.io/app/o3cards-QMQ/kazakhstan)
- [Lebanon](https://apptail.io/app/o3cards-QMQ/lebanon)
- [North Macedonia](https://apptail.io/app/o3cards-QMQ/north-macedonia)
- [Peru](https://apptail.io/app/o3cards-QMQ/peru)
- [Pakistan](https://apptail.io/app/o3cards-QMQ/pakistan)
- [Romania](https://apptail.io/app/o3cards-QMQ/romania)
- [Singapore](https://apptail.io/app/o3cards-QMQ/singapore)
- [Taiwan](https://apptail.io/app/o3cards-QMQ/taiwan)
- [Italy](https://apptail.io/app/o3cards-QMQ/italy)
- [Azerbaijan](https://apptail.io/app/o3cards-QMQ/azerbaijan)
- [Chile](https://apptail.io/app/o3cards-QMQ/chile)
- [China](https://apptail.io/app/o3cards-QMQ/china)

---

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