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ONYFAST review

Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ONYFAST is a prepaid visa card aimed at kids, built for families in a single market who want a set spending limit rather than a full current account. The monthly fee is XAF 299 and each top-up costs 400 XAF, so the running cost of the card sits mostly in loading it.

Key facts

Best for
A prepaid visa card for kids, with multi-currency, virtual card and travel features.
Monthly fee
FCFA 299↗
Card type
Prepaid↗
Top-up fee
400 XAF↗
Card network
Visa↗
Headquarters
Congo↗
Founded
2021↗
Support channels
Email, Phone↗
Features
Multi-currency, Virtual card, Travel
Audience
Kids
Official website
onyfast.com

Facts checked September 26, 2026, 5 sources

Pros and cons

Pros

  • Built for kids, with the virtual card, multi-currency and travel features listed for the account (multi currency, virtual card and travel).
  • Support runs on email and phone, so a parent can call as well as write.
  • Because the card is prepaid, spending stops when the loaded balance runs out, so the limit is set by the amount loaded.
  • The issuer is based in Congo and was founded in 2021, so the card and its terms come from one company.

Cons

  • The card charges XAF 299 a month and 400 XAF to load, while the monthly fee most cards in this category carry is €0.
  • Support runs on email and phone only, with no live chat or self-service help centre listed.
  • The card is prepaid, so a top-up has to happen before spending and there is no credit line to cover a gap.
ONYFAST

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Scored 8.4 / 10 by HodlCue.

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Who it suits

  • Parents in CG who want a small prepaid card for kids with a firm spending limit.
  • Families who travel and want a virtual card alongside the physical one (multi currency, virtual card and travel).
  • Anyone who would rather pick up the phone than fill in a form, since support runs on email and phone.

Who should look elsewhere

  • Anyone after a free monthly card: Monzo Flex charges £0 a month.
  • Anyone who wants a travel account without a monthly charge, since Wise charges £0 a month.
  • Euro account holders who would rather pay nothing, since Bitpanda charges €0 a month.

Fees

Two charges matter here: a monthly fee of XAF 299 for keeping the card open, and a 400 XAF charge whenever the card is topped up. Both are single figures set out in the card terms, so the running cost is easy to work out. For a card that has to be loaded before it can be spent, the load charge is the one that recurs through the year.

The company behind it

ONYFAST is based in Congo and was founded in 2021, so the issuer is a newer local operation. Support runs on email and phone: email and phone. No live chat or self-service help centre is listed alongside them, which means a question goes to a person either way. For a card aimed at families, a phone line helps when a top-up or a payment needs sorting out.

How ONYFAST compares

Where ONYFAST is available

Available
Congo

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does the ONYFAST card cost to keep?+

The card carries a monthly fee of XAF 299, and every top-up adds a 400 XAF charge. Both figures are single amounts in the card terms, so the cost of a year is the monthly fee repeated plus one load charge for each refill. Nothing else is listed.

Who is the card aimed at?+

ONYFAST builds the card for kids. A prepaid format suits a parent who wants spending capped by the amount loaded rather than by a credit limit, and the multi-currency, virtual card and travel features (multi currency, virtual card and travel) let the same balance be used at home and abroad.

What kind of card is it?+

It is a prepaid card on the visa network, so there is no borrowing attached. Spending draws down a balance that has been loaded in advance, which keeps card use tied to money already on the account.

How do I reach ONYFAST for help?+

Support runs on email and phone, so email and phone are both open routes. No live chat or self-service help centre is listed alongside them, which means a question about a top-up or a declined payment goes to a person. For a card aimed at families, the phone line covers the cases that cannot wait.

Where is the company based?+

ONYFAST is based in Congo and was founded in 2021. The card, its fees and its terms all come from that one issuer, so the monthly fee of XAF 299 and the 400 XAF load charge make up the full cost picture to weigh.

Is there a virtual card?+

A virtual card is one of the features listed for the account (multi currency, virtual card and travel), alongside multi-currency and travel. That gives a card number separate from the physical one for online shopping and travel bookings, drawing on the same loaded balance.

What happens when the balance runs out?+

The card is prepaid, so there is no overdraft and spending stops once the loaded balance is gone. Topping up again costs 400 XAF each time, which is worth weighing against how often the card gets refilled.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

ONYFAST

ONYFAST

A prepaid visa card for kids, with multi-currency, virtual card and travel features.

8.4/10See alternatives