OnlineNaira Fees

Opening an OnlineNaira account is free and you could do it from here - Sign up Now.

It means OnlineNaira will not deduct any fees from your money when you send money to another OnlineNaira member. Click here to send money to another OnlineNaira member.



  1. Cards, Cash, Mobile Money, mPesa, USSD, Local Agents - 2% plus NGN250 per transaction;
  2. Cash Deposit Nigeria Only - 2% plus NGN250 per transaction;
  3. Cash deposit excluding Nigeria - 2% plus NGN250 per transaction;
  4. Deposit with PerfectMoney - 0% plus NGN0 per transaction;

Everytime you fund your OnlineNaira account either by physically depositing money from a Bank in Nigeria or transferring money into our Bank Account through Online/Telephone Banking, we will charge a fee. Money you deposit into our bank account is credited to your OnlineNaira account within minutes. Click here for more information on PerfectMoney deposits.

Refunds: When you receive a refund from a merchant outside of OnlineNaira, the same is credited to your OnlineNaira account within 24 hours. All refunds are treated as Deposits and will incur our Seller FEE, depending on where the refund is coming from. If the payment for which you received a refund was initially processed by OnlineNaira, it would still be treated as a $ receipt.


Please make a withdrawal from your OnlineNaira account whenever you need to make a payment to an International Merchant.

  1. Cash in 1hr - 1% plus NGN1,860 per transaction;
  2. Same Day Cash - 1% plus NGN1,260 per transaction;
  3. Next Day Cash - 1% plus NGN900 per transaction;
  4. Cash in 3 days - 1% plus NGN600 per transaction;
  5. Any International Bank - 1% plus NGN18,250 per transaction;
Send Money Options Cost
Forex A Minimum Internal Transaction Fee of 5% applies to eCurrency and Cryptocurrency

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