Note: ₦15,900 Monthly Maintenance
One time payment
Perfect for small enterprises needing a simple digital tool to manage admin activities without mobile app integration.
One time payment
Provides a basic white-label Android mobile app with admin dashboard for essential management and client access.
One time payment
Offers an enhanced white-label Android app with extra fintech features and Playstore publication for broader reach.
One time payment
Top-tier plan offering full mobile app launch on both Android and iOS platforms with complete admin tools and support.
Gain access to essential APIs for virtual banking, interbank transactions, and fintech integrations across multiple channels.
Complete control and customization with full access to the source code and advanced UI capabilities for developers.
Build a professional fintech website designed for seamless performance and high user engagement.
Offer customers easy financial interactions through WhatsApp, customized with your brand name and logo.
Transparent breakdown of all transaction and verification fees applicable within Finova’s ecosystem for secure and cost-effective financial operations.
| Service | Fee |
|---|---|
| App Transfer (Interbank) | #15 |
| POS Transfer | #25 |
| POS Payment | 0.49% (Cap #90) |
| Amucha Virtual Account | 0.7% (Cap #150), Min #10 |
| Providus Xpress Wallet | FREE INFLOW CHARGES |
| 9PSB Virtual Account | 0.5% (Cap #150), Min #20 |
| Kuda Virtual Account | FREE INFLOW CHARGES |
| Corporate Account Search | #3,000 |
| ATM Card Charge | #45 |
| ATM Maintenance Fee | #100 (every 3 months) |
| SMS | #6 |
| BVN Verification | #50 |
| NIN Verification | #70 |
| Credit Check | #300 |
| Minimum vault balance | #200,000 |
Summary: Finova ensures competitive transaction pricing that supports scalable operations while maintaining transparency for every service tier and partner.
Comprehensive overview of naira-based card service charges, covering creation, usage, and maintenance for individuals and businesses.
| Service Fee | Notes |
|---|---|
| Physical Card | #2,100 — Min. 50 cards (excl. delivery) |
| Naira Virtual Card | #200 — Per card creation |
| Authorization | #10 — Per ATM/POS/Web transaction |
| ATM Withdrawal | #45 — Per withdrawal |
| Maintenance (Monthly) | #50 — Per card |
| Naira Wallet Top-up | #500,000 — Required by NIMS |
Summary: These rates ensure low operational costs, enabling clients to efficiently manage their card portfolios.
Details on all USD-based transaction fees for international operations and cross-border business dealings.
| Fee Type | FINOVA Fee |
|---|---|
| Card Creation | $3 |
| Card Funding | $2 for funding less than $100 2.5% for transactions above $100 |
| Card Withdrawal | $2 |
| Card Transactions/Spend | $0 |
| Card Maintenance (Monthly) | $1 |
| Cross Currency/Border Transactions | 3.5% + $1 |
| Chargeback | $50 |
| Card Decline & Unsettled Transactions | $0.5 charged on every insufficient debit |
| Minimum Wallet Top-up | $300 |
Summary: Dollar transaction fees are designed to minimize cross-border costs while maintaining financial efficiency for global users.
Transparent cost of POS devices, allowing businesses to scale with reliable fintech hardware options.
| Device | Price (₦) |
|---|---|
| Mini POS (Nomba) | 30,000 |
| Mini POS with Printer | 65,000 |
| Android POS (No Printer) | 75,000 |
| Android POS (With Printer) | 85,000 |
Summary: Finova in partnership with Nomba integrates partners’ backend systems with the Nomba interface, allowing partners to control pricing, brand POS devices, manage resolutions, and map, remap, or deactivate terminals. Minimum purchase is 20 pieces.
Please note: A minimum Vault Wallet balance of ₦200,000 is required and must be credited immediately after your Vault Account is created with Vault Bank.
This amount is non-accessible and serves as your pledge balance.
This requirement applies only to partners using our Vault Bank, for Inflow and Outflow purpose.