Finova Africa Pricing

Banking Platforms
Starter Plan

₦300,000

  • Admin Dashboard Only – Fully web-based system with no mobile application for your customers
  • Loan Management Dashboard for loan creation, tracking, and repayment
  • Investment Dashboard to manage customer investments and returns
  • Esusu (Ajo) Dashboard for group savings and contribution management
  • Target Savings Dashboard to support goal-based savings
  • Customer Account Creation with full onboarding capabilities
  • Teller Operations – Credit and debit customer accounts efficiently
  • Field Staff Monitoring for tracking activities and performance
  • Unlimited Setup – Create unlimited branches, admin staff, and customers
  • Flexible API Integration – Connect to your preferred banking and payment APIs
  • Advanced Reporting & Analytics – Access real-time financial and operational insights
  • Loan Repayment Report – Track all repayments and payment history
  • Overdue Loan Report – Monitor delinquent accounts and missed payments
  • Active (Running) Loan Report – View all ongoing loans and their status
  • End-of-Day (EOD) Report – Daily summary of transactions and balances
  • Real-Time Transaction Report – Monitor transactions instantly as they occur
  • Financial Reports – Includes Balance Sheet, Trial Balance, and Profit & Loss statements
  • Monthly Subscription: ₦25,770
Gold 1 Plan

₦600,000

  • All Mobile Applications Include:
  • App only on Google playstore (Andriod Alone)

  • Comprehensive Admin Dashboard for full system control and monitoring
  • Loan Management Dashboard for loan creation, tracking, and repayment management
  • Automated Loan Repayment – System automatically debits customer accounts based on repayment schedules
  • CRC Credit Check Integration – Access customer credit reports and history via CRC (Credit Bureau) to support informed lending decisions
  • Advanced Reporting & Analytics – Access detailed financial and operational reports in real time
  • Loan Repayment Report – Track all customer loan repayments and payment history
  • Overdue Loan Report – Monitor missed payments and identify delinquent accounts
  • Active (Running) Loan Report – View all ongoing loans and their current status
  • End-of-Day (EOD) Report – Daily summary of all transactions, balances, and activities
  • Real-Time Transaction Report – Monitor all system transactions instantly as they occur
  • Investment Dashboard to manage customer investments and returns
  • Esusu (Ajo) Dashboard for group savings and contribution management
  • Target Savings Dashboard to help customers set and achieve financial goals
  • Customer Account Creation with full onboarding capabilities
  • Teller Operations – Credit and debit customer accounts seamlessly
  • Field Staff Monitoring for tracking performance and activities
  • Unlimited Branch & Staff Creation for scalable operations
  • Airtime & Data Purchase directly from the platform
  • Bill Payments (electricity, cable TV, and more)
  • Receive Funds from all Nigerian banks
  • Send Funds to all Nigerian banks
  • E-commerce Store Integration to sell products and services
  • Customers can create multiple savings products within the app
  • Locked Savings Feature – Customers can lock specific savings accounts for disciplined saving (ideal for cooperative/Esusu contributions)
  • Google Play Store Deployment (Android app)
  • POS Integration with third-party partners
  • Virtual Naira & Dollar Cards (ATM-enabled)
  • Customers can open multi-currency accounts (e.g., USD, EUR, etc.)
  • Referral System to drive user growth
  • Physical ATM Card Integration – Issue fully branded ATM cards customized with your company name and logo
  • Monthly Subscription: ₦25,770
Gold 2 Plan

₦800,000

  • Custom Mobile App Design – Fully personalized mobile application tailored to your brand identity
  • Includes all Gold 1 features, with the added advantage of selecting your own unique mobile app design, exclusively mapped to your company
  • Google Play Store Deployment for seamless distribution
  • Monthly Subscription: ₦25,770
Premium Plan

₦1,200,000

  • Custom Mobile App Design – Choose from a range of professionally designed mobile app templates tailored to your brand
  • Includes all Gold 1 features, with the added benefit of a dedicated mobile app design exclusively customized and mapped to your company
  • App Store (iOS) Setup – $100 one-time Apple developer registration (if you don’t have an account) and $99 yearly renewal. If you already have a developer account, we will deploy directly on your console
  • Free Staff Mobile App – Branded with your company name and logo for internal operations
  • Deployment – Google Play Store (Android) and Apple App Store (iOS)
  • Monthly Subscription: ₦25,770
Standard Plan

₦5,000,000

  • 5-in-1 Multi-Country App – A single platform supporting up to 5 countries, each with a customized design tailored to its region
  • Nigeria: Includes all Gold 1 features
  • Other 4 countries include selected and optimized features tailored to each market, with support for their respective currencies (e.g., USD, EUR, GBP, and others)
  • Android & iOS Deployment (Fully branded mobile apps)
  • Customers can send money internationally directly from your app
  • Free intra-app transfers between your users globally
  • Dollar Card Support (Virtual & physical card options)
  • Customers can pay bills from any country they are in
  • Multi-currency support – users can store and manage USD, Euro and others within the app
  • White Label Package – ₦5,000,000 (Fully branded app under your company name)
  • Revenue Opportunity: Earn from cross-border transfers, inflows, and USD-based maintenance fees
  • Full Source Code Access – ₦10,000,000
  • Monthly Subscription: ₦25,777
Full Source Code Systems
Core Banking System – Standalone (Full Source Code)
Full Source Code Systems
Core Banking System – Standalone (Full Source Code)

₦10,000,000

  • Complete Core Banking System Source Code – Full ownership and control of the platform
  • Self-Hosting Capability – Deploy and manage the system on your own servers or preferred cloud infrastructure
  • Unlimited Customization – Modify features, workflows, and integrations to suit your business needs
  • No Monthly Subscription – One-time payment with no recurring platform fees
  • Full API Access – Integrate with banks, payment gateways, POS systems, and third-party services
  • Multi-Module System – Includes lending, savings, payments, cards, POS, reporting, and customer management modules
  • POS Module Integration – Supports POS transaction processing, terminal management, settlement tracking, and third-party POS integrations
  • Full Accounting & Financial Reporting – Includes Balance Sheet, Trial Balance, Profit & Loss, and other key financial statements
  • Loan Reporting Suite – Includes loan repayment reports, overdue loan reports, running loan reports, and loan portfolio monitoring
  • Microfinance Reporting – Supports operational and financial reports required by MFBs and MFIs for effective monitoring and management
  • Suitable for MFBs and MFIs – Ideal for institutions that want to fully manage their operations independently using their own infrastructure
  • Flexible Operating Model – Can be self-managed by your institution or managed by your in-house IT team for full control and operational independence
  • Security & Scalability – Built to support enterprise-grade operations with high transaction volumes
  • Technical Documentation – Complete system documentation to support deployment, customization, and integration
  • Initial Setup Guidance – Support provided for deployment and system configuration
Mobile Banking App With Full Source Code

₦4,000,000

  • Includes All Gold 1 Features – Full functionality as outlined in the Gold 1 package
  • Custom UI Selection – You can choose your preferred mobile app UI design from our available design options
  • Source Code Delivery – Upon project completion, the full project code will be securely pushed to your GitHub repository
  • Full Ownership – The project source code is entirely owned by you, granting complete control and independence from Finova
  • Cross-Platform Deployment – The application will be deployed on both Google Play Store (Android) and Apple App Store (iOS)
  • Scalable & Customizable Architecture – You can extend the platform beyond default Finova features by adding new functionalities as your business evolves
  • IT Team Enablement – Your internal IT team can further develop, customize, and manage the application independently
  • Enterprise-Ready Solution – Suitable for large cooperatives, fintech companies, MFIs, MFBs, and banks seeking full system ownership and control
  • Monthly Cloud Subscription: ₦25,770
API Collections
API Services

₦400,000

  • 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: ₦10,000
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 (IF YOU ARE USING FINOVA PARTNERS VAULT)
Transaction Charges
ServiceFee
Minimum Vault Pledge Balance – Required balance maintained with Finova partner bank vault (non-accessible)
If you are using your own API key or a recommended integration, this requirement is waived and your vault balance can be zero 		₦100,000
Kuda Bank Inflow ₦0 (Free)
Safe Haven Inflow 0.5% (Cap ₦100)
9PSB Inflow 0.5% (Cap ₦100)
Outflow Transfer ₦15 per transaction
BVN Verification ₦50
CAC Search ₦3,000
NIN Verification ₦100
ATM Withdrawal (POS) ₦5 per transaction
ATM Card Withdrawal ₦35 per transaction
ATM Card Issuance – ₦2,100 per card Minimum order: 300 cards
Custom Branded ATM Cards – Personalized with your company name and logo Minimum order: 500 cards
Minimum Vault Top-Up (Non-Accessible Balance) ₦300,000
```