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OFS review

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

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Our verdict

OFS is a prepaid Visa card aimed at kids, and cost is the trade-off: a monthly fee of XOF 1,100 plus a currency conversion fee of 2.2% on top of every top-up. It suits parents who want a set spending limit for a child and travel money that works abroad.

Key facts

Best for
A prepaid Visa card for a child in Benin, with a fixed monthly charge and no borrowing.
Monthly fee
F CFA 1,100↗
Currency conversion fee
2.2%↗
Card type
Prepaid↗
Top-up fee
1% of top-up, minimum 1000 XOF↗
Card network
Visa↗
Legal entity
OWO FINANCIAL SERVICES SARL (RCCM RB/COT/18B22306)↗
Headquarters
Benin↗
Founded
2018↗
Support channels
Email, Phone, Help-centre, Community↗
Features
Travel
Audience
Kids
Official website
ofs.bj

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • The card is prepaid, so money is loaded before it is spent and there is no borrowing to repay.
  • It runs on the visa network, with travel listed as a use, so it works on trips abroad.
  • Support runs on email, phone and help centre, which covers phone and email for anything urgent.

Cons

  • A monthly fee of XOF 1,100 applies whatever the card is used for, so an idle month still costs.
  • Spending abroad is charged a conversion fee of 2.2%, which adds to the cost of any foreign purchase.
  • Every top-up takes 1% of top-up, minimum 1000 XOF, so frequent small loads cost more in charges than fewer larger ones.
OFS

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Parents in BJ who want a prepaid Visa card for a child rather than a credit card.
  • Travellers who need a card that works outside BJ and can accept a conversion fee of 2.2%.
  • Anyone who loads the card in fewer, larger amounts, since each top-up takes 1% of top-up, minimum 1000 XOF.

Who should look elsewhere

  • Wise, whose monthly fee is £0 against XOF 1,100 here, if the card should cost nothing each month.
  • bunq, also at a monthly fee of €0, if paying nothing monthly matters more than a card built for a child.

Fees and FX

Three charges set the cost. The account carries a monthly fee of XOF 1,100, spending in another currency is charged a conversion fee of 2.2%, and every top-up takes 1% of top-up, minimum 1000 XOF. The top-up charge is the one to watch if the card is loaded often, and the conversion fee is the one to watch on a trip.

The company behind it

The card is issued by OWO FINANCIAL SERVICES SARL (RCCM RB/COT/18B22306), based in Benin and founded in 2018. It is aimed at kids, so family spending sits at the centre rather than adult banking. Support runs on email, phone and help centre, so help arrives by phone, email, a help centre or a community forum.

How OFS compares

Where OFS is available

Available
Benin

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

Frequently asked questions

How much is the monthly fee on the OFS card?+

OFS charges a monthly fee of XOF 1,100 on the account. That is a standing cost rather than a one-off: it applies whether or not the card is used that month, so an account opened for occasional use still pays it every month.

What does it cost to spend in another currency?+

Spending in a currency other than the account currency is charged a conversion fee of 2.2%. The card is listed for travel, so travel is a stated use, but the conversion charge adds to the cost of any foreign purchase.

What does it cost to top up the card?+

Each load takes 1% of top-up, minimum 1000 XOF, so the top-up cost is charged on the amount added rather than as a flat amount. Loading in several smaller amounts costs more in charges than loading in fewer, larger ones, which matters for regular top-ups.

Is this a debit card or something else?+

The card is prepaid rather than a credit card, so money is loaded before it is spent and there is no borrowing. It runs on the visa network, so acceptance follows that network wherever the card is used.

Who is the card aimed at?+

OFS is built around kids, so a parent opening an account for a child is the intended customer. Because the card is prepaid, spending stops when the balance runs out, which suits a parent who wants a set amount for the week.

How do I get help if something goes wrong?+

Support runs on email, phone and help centre. That means a person can call or email, work through the help centre, or post in the community. A phone and an email address give a direct route when something is wrong with a load or a blocked payment.

Who is behind OFS and where is it based?+

The card comes from OWO FINANCIAL SERVICES SARL (RCCM RB/COT/18B22306), a company based in Benin and founded in 2018. Anyone outside that market has to check what applies locally before opening an account.

Sources

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

Not confirmed yet: Free ATM withdrawals, Protection.

Related by the facts

OFS

OFS

A prepaid Visa card for a child in Benin, with a fixed monthly charge and no borrowing.

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