Finova Africa Pricing

Banking Platforms
Infrastructure Plan
  • For businesses moving from paper records to a simple, structured digital system
    Manage your financial records, customers, savings, loans, and transactions in one secure platform instead of manual books.
  • 💰 One-Time Fee: ₦300,000
  • ☁️ Cloud Monthly Maintenance: ₦25,770/month
  • What You Get:
  • Core Banking Admin Dashboard
    A central dashboard where your staff can view customers, track balances, and directly credit or debit customer accounts in real time.
  • No Customer Mobile App
    This plan is designed for internal business operations only. Your customers do not need a mobile app.
  • Staff Mobile App
    Your field staff can register customers, collect deposits, book loans/investments, and update records from the field.
  • Customer Account Creation
    Create customer profiles and keep their financial records properly organized.
  • Deposit & Withdrawal Management
    Record all inflows and outflows while your staff process transactions directly from the dashboard.
  • Loan & Investment Module
    Create loans, track repayments, manage investments, and monitor returns.
  • Target Savings
    Help customers save toward specific goals with structured savings plans.
  • AJO/Esusu Management
    Manage group contributions, track member payments, and handle payout cycles.
  • Full Accounting Reports
    Generate Balance Sheet, Profit & Loss, Trial Balance, and other financial reports.
  • Unlimited Setup
    Add unlimited staff, branches, and customers as your business grows.
  • Best For:
  • Cooperatives moving from notebooks to digital records
  • AJO/Esusu operators managing daily contributions
  • Finance houses that need proper reporting and tracking
  • Bank Integration: Connect to a licensed banking partner for virtual account creation and interbank transfers. The partner bank securely holds your customers’ funds, while your platform provides the technology to manage and operate the service.
  • 👉 Positioning:
    Replace manual bookkeeping with a reliable digital system that allows your staff to manage and process customer transactions efficiently.

Gold Plan

White-label Android Mobile Banking App

₦600,000

One-time setup

Monthly Subscription: ₦25,770

📱 Fully Branded Mobile App

Includes the full Infrastructure Plan plus a mobile app customised with your company name, logo, and branding.

Deployment: Google Play Store (Android only)

  • Staff Mobile App
    Your field staff can register customers, collect deposits, book loans/investments, and update records from the field.

    • What Your Customers Can Do

    • Account Management: Open and manage multiple accounts
    • Money Transfer: Send and receive money from any bank
    • Wallet Transfer: Instant wallet-to-wallet transfers
    • Airtime & Data: Buy airtime and mobile data
    • Bill Payments: Pay electricity, TV, and other bills
    • Savings: Target savings, fixed savings, and Ajo/Esusu
    • Investment: Apply for Investment, manage investments, and track returns
    • Loans: Apply and repay loans easily
    • Cards: Use virtual cards and request ATM cards
    • Marketplace: Buy and sell products inside the app
    • Statements: Download account statement anytime
    • Transaction Report: View and track all transactions in real-time
    • Live Chat: Chat with support directly inside the app
    • Notifications: Get instant transaction alerts
    • Security: Login with PIN and biometric authentication
  • Bank Integration: Connect to a licensed banking partner for virtual account creation and interbank transfers. The partner bank securely holds your customers’ funds, while your platform provides the technology to manage and operate the service.

    • 🌍 Cross-Border Service

    Your customers can enjoy international banking services directly from your app.

    • Open and use USD, GBP & EUR accounts
    • Send and receive money internationally
    • Make global payments with virtual dollar cards

    White-label Fintech App

    Advanced Digital Banking Solution (Android & iOS)

    ₦1,000,000

    One-time setup

    Monthly Subscription: ₦25,770

    🚀 Complete Banking Solution

    This plan includes the full Infrastructure Plan and all Gold Plan features, upgraded into a fully customized fintech application.

    📱 Mobile App & Deployment

    • Custom Mobile App Design: Choose from professionally designed app templates tailored to your brand
    • Full Branding: App customized with your company name, logo, and identity
    • Android Deployment: Google Play Store
    • iOS Deployment: Apple App Store
    • App Store Setup: $100 Apple developer registration (if new) + $99 yearly renewal (to be paid by you)

    👨‍💼 Business & Staff Tools

    • Free Staff Mobile App: Branded app for internal operations
    • Staff Operations: Field staff can perform transactions and manage customers

    📱 What Your Customers Can Do

    • Account Management: Open and manage multiple accounts
    • Money Transfer: Send and receive money from any bank
    • Wallet Transfer: Instant wallet-to-wallet transfers
    • Airtime & Data: Buy airtime and mobile data
    • Bill Payments: Pay electricity, TV, and other bills
    • Savings: Target savings, fixed savings, and Ajo/Esusu
    • Investment: Create and manage investments, track returns
    • Loans: Apply and repay loans easily
    • Cards: Use virtual cards and request ATM cards
    • Marketplace: Buy and sell products inside the app
    • Statements: Download account statements anytime
    • Transaction Report: View and track all transactions
    • Live Chat: Chat with support directly inside the app
    • Notifications: Get instant transaction alerts
    • Security: Secure login with PIN and biometrics
  • Bank Integration: Connect to a licensed banking partner for virtual account creation and interbank transfers. The partner bank securely holds your customers’ funds, while your platform provides the technology to manage and operate the service.

    • 🌍 Cross-Border Service

    Your customers can enjoy international banking services directly from your app.

    • Open and use USD, GBP & EUR accounts
    • Send and receive money internationally
    • Make global payments with virtual dollar cards

    White-label Enterprise Fintech App

    (Best Plan to generate High revenue)
    Complete fintech solution for individuals, businesses, and corporate users

    ₦1,500,000

    One-time setup

    Monthly Subscription: ₦25,770

    🚀 Complete Enterprise Fintech Solution

    This plan includes all Infrastructure Plan, Gold Plan, and Fintech App features, with advanced business banking, cross-border, POS, ATM, and card integrations.

    📱 Mobile App & Branding

    • Custom Mobile App Design: Professionally designed app tailored to your brand
    • Full Branding: Your company name, logo, and identity fully represented
    • Full Deployment: Google Play Store (Android) and Apple App Store (iOS)
    • iOS App Store Setup: $100 registration (if new) + $99 yearly renewal (paid by you)

    👨‍💼 Business & Staff Tools

    • Individual Mobile App: Includes all Gold Plan features, fully customized to your business identity
    • Business Mobile App: Dedicated app for corporate users to perform transactions, approvals, and manage accounts
    • E-Banking Platform: Secure web-based platform for businesses to manage accounts and monitor activities in real time
    • Cross-Border Services: Enable customers to create and manage USD, GBP, and EUR accounts, and send & receive international payments (Just top up your vault)
    • Staff Mobile App: Fully branded app for internal operations and field activities

    💬 Digital Banking Channels

    • Live Chat: In-app support for customers

    💳 POS, ATM & Card Services

    • POS Integration: Enable agent banking and merchant payments
    • ATM & Card Integration: Support Naira & Dollar cards, withdrawals, and issuance

    ⭐ Enterprise Experience

    • Priority Branding: Your platform runs as a standalone fintech app
    • Advanced Experience: Designed for fintechs, MFIs, MFBs, and enterprises
    • Bank Integration: Connect to a licensed banking partner for virtual account creation and interbank transfers. The partner bank securely holds your customers’ funds, while your platform provides the technology to manage and operate the service.

    Global Fintech Platform

    5-Country Cross-Border Banking Solution

    ₦4,000,000

    White-label setup

    Monthly Subscription: ₦25,770

  • iOS App Store Setup: $100 registration (if new) + $99 yearly renewal (paid by you)

    • 🌍 Expand Your Fintech Across 5 Countries

    Launch your fintech in up to 5 countries, each with its own interface, currency, and localized experience — all connected under your brand.

    • Each country has a customized app interface
    • All apps operate under one platform
    • Users can send money across supported countries

    💸 Cross-Border Transfers

    Enable seamless transfers between countries, with recipients receiving funds in their local currency.

    • Wallet-to-wallet transfers across countries
    • Custom exchange rate control
    • Instant value conversion at your defined rate

    💰 Revenue Opportunities

    • Earn from exchange rate margins
    • Earn from transfer fees
    • Earn from account maintenance (USD, GBP, EUR, etc.)
    • Earn from international inflows
    • Earn from dollar card usage

    📱 App Deployment

    • Supports up to 5 country-specific apps
    • Android and iOS deployment
    • Fully branded with your company identity

    💳 Global Features

    • Multi-currency wallets (USD, GBP, EUR, GHS, NGN, etc.)
    • Virtual and physical dollar cards
    • Bill payments across supported regions
    • Free transfers between users on your platform
    Full Source Code Systems
    Core Banking System – Standalone (Full Source Code)

    ₦10,000,000

    One-time payment (No monthly subscription)

    🏦 Core Banking System (Full Ownership)

    • Complete Source Code: Full ownership and control of the platform
    • Self-Hosting: Deploy on your own server or preferred infrastructure
    • Unlimited Customization: Modify features and integrations to suit your operations
    • Full API Access: Connect to banks, payment gateways, POS, and third-party services

    ⚙️ System Modules

    • Customer Management: Customer onboarding, KYC, and profile management
    • Account Management: Account creation, balances, and transactions
    • Loan Management: Loan creation, disbursement, tracking, and repayment
    • Investment Management: Manage investments, returns, and customer portfolios
    • E-commerce Module: Buy and sell products within the platform
    • POS Integration: POS transactions, terminal management, and settlements
    • CRC Integration: Credit checks and customer credit history access

    📊 Reporting & Accounting

    • Loan Reports: Repayment reports, overdue loans, running loans, and portfolio tracking
    • Accounting Reports: Balance Sheet, Trial Balance, Profit & Loss, and financial statements

    🏢 Built for Institutions

    • Ideal for MFBs & MFIs: Designed for full operational control
    • Flexible Operation: Managed by your internal IT team
    • Scalable & Secure: Built for enterprise-level transactions

    Mobile Banking App (Full Source Code)

    Own your mobile banking application with full control

    ₦3,000,000

    Monthly Cloud Subscription: ₦25,770

    📱 Complete Mobile Banking Solution

    This package includes all Gold Plan features, delivered as a fully branded mobile banking application with complete source code ownership.

    ⚙️ Key Features

    • Custom UI Design: Choose from professionally designed app interfaces tailored to your brand
    • Full Source Code Access: Complete project code delivered to your GitHub repository
    • Full Ownership: You own and control the application without dependency
    • Cross-Platform Deployment: Published on Google Play Store (Android) and Apple App Store (iOS)
    • Scalable Architecture: Easily extend features and integrate new services as your business grows
    • IT Team Enablement: Your internal team can manage, update, and expand the system independently
    • Enterprise-Ready: Suitable for fintechs, cooperatives, MFIs, MFBs, and banks
  • Bank Integration: Connect to a licensed banking partner for virtual account creation and interbank transfers. The partner bank securely holds your customers’ funds, while your platform provides the technology to manage and operate the service.

    • 🌍 Upgrade Option

    • Global Fintech Platform (Source Code): ₦6,000,000
    API Collections (FOR Company that has their own mobile app already , just need to connect to our core Banking)
    API Services

    ₦300,000

    • Virtual Account APIs – Integrations with Safe Haven, 9PSB, and Parallex Bank for account generation and collections
    • Card APIs – Support for Naira ATM cards and Dollar virtual cards
    • Multi-Currency Virtual Accounts – Enable accounts in multiple currencies for global transactions
    • Interbank Transfer API – Seamless transfers to all Nigerian banks
    • Wallet-to-Wallet Transfers – Instant transfers between users within your platform
    • BVN Verification API – Validate customer identity using BVN
    • NIN Verification API – Identity verification using National Identification Number
    • Investment Module – Manage savings and investment products
    • Loan Module – Loan creation, disbursement, and repayment management
    • E-commerce Module – Sell products and services directly within your platform
    • Monthly Cloud Maintenance: ₦25700
    International virtual Account Service (Cross Border Service)
    Cross Border Pricing
    ONE TIME ACTIVATION FEE $50

    Virtual Account Creation

    Account TypeCharge
    All Currency Accounts (Individual)Free
    Business Account CreationFree

    Account Maintenance

    Account TypeCharge
    Individual Account$3 / month
    Business Account$12 / month

    Wallet Maintenance (crypto wallet)

    DescriptionCharge
    Active Wallet$0.50 / month

    Onramp

    DescriptionCharge
    Convert fiat deposits to digital balance0.90%

    Withdrawals

    DescriptionCharge
    Bank withdrawals0.55%

    FX Conversion

    PairCharge
    USD ↔ EUR0.60%
    USD ↔ GBP0.60%
    USD ↔ MXN0.60%
    USD ↔ BRL0.65%

    Stablecoin Transactions

    DescriptionCharge
    USDT Transactions0.20%

    Stablecoin Holdings

    DescriptionCharge
    Stablecoin Balance (AUM)0.25% annually

    Compliance

    TypeCharge
    KYC (Individual Verification)$3
    KYB (Business Verification)$12

    Payment Rail Fees

    TypeCharge
    ACH / SEPA / PIX / SPEIThird-party fees apply
    SWIFT / Wire TransfersThird-party fees apply

    Network Fees

    DescriptionCharge
    Blockchain Gas FeesVariable (network cost)

    Transaction Exceptions

    DescriptionCharge
    Failed / Returned TransactionsThird-party fees apply

    Minimum Non-Accessible Vault Balance

    Currency Base Amount Naira Equivalent (₦)
    USD$166₦250,000
    Dollar Card$166₦250,000
    EUR€156₦250,000
    GBP£131₦250,000
    CNY1190 CNY₦250,000
    KES6,650 KES₦100,000
    GHS769 GHS₦100,000
    UGX250,000 UGX₦100,000
    MXN1,111 MXN₦100,000
    BRL334 BRL₦100,000

    Note: Pricing is designed to remain competitive and transparent. Certain third-party fees (bank rails, network, and blockchain costs) may apply depending on transaction type and region.

    Note: Third-party fees such as ACH, wire, SWIFT, SEPA, PIX, SPEI, gas, and other network charges may still apply where applicable.

    Transaction Charges

    Note: Inflow and outflow charges are determined by the partner bank and may vary based on negotiated terms.

    BVN Verification ₦50
    NIN Verification ₦100
    CAC Search ₦3,000
    ATM Card Withdrawal (POS) ₦5 per transaction
    ATM Withdrawal ₦35 per transaction
    ATM Card Issuance ₦2,100 per card (Minimum: 300 cards)
    Custom Branded ATM Cards Minimum order: 500 cards
    Minimum Vault Top-Up (Non-Accessible Balance) ₦300,000
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