Simple, Transparent Fees & Charges
No surprises, no fine print that costs you later. Saving is free, receiving money is free, and where small fees do apply, we show them clearly before you confirm. Here is how our pricing works across every product.
Clear Fees for Every Service
Each product is priced to keep money in your pocket. The figures below are indicative; your exact fee is always shown in the app before you confirm any action.
Daily Savings
Build a habit, keep every naira
Wallet
Receive, hold, send, and pay
VTU & Bill Payments
Airtime, data, electricity, TV
Loans
Clear rates, no hidden charges
Final fees are confirmed in-app; figures shown here are indicative and may change. You will always see the exact fee for any transfer, withdrawal, bill payment, or loan before you confirm it. The Naira sign used throughout is ₦.
What You See Is What You Pay
We believe pricing should be something you understand at a glance, not a puzzle you decode after the money is gone. Before any transfer, withdrawal, bill payment, or loan, NAJ Capital shows you the exact amount and any fee, so you can decide with full information.
Shown before you confirm₦10
No hidden charges₦10,010
Fair by Design
Transparent
Every fee is disclosed before you act. There are no surprise deductions after the fact.
Low Cost
We keep fees small and skip them entirely on saving and receiving money.
Honest
No hidden charges, no traps. What you agree to is exactly what you pay.
Pricing You Can Trust, From Day One
Open a free account and start saving, sending, and paying, knowing exactly what each step costs.