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ONYFAST review

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

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Our verdict

ONYFAST is a prepaid payment account built around parents and kids in a single market, with a monthly fee of XAF 299 and a 400 XAF charge on each top-up. It suits families who want an easy-access card with multi-currency and virtual card options, and less suits anyone who wants fee-free everyday spending.

Key facts

Best for
Parents in a single market who want a prepaid card for their kids.
Monthly fee
FCFA 299↗
Card type
Prepaid↗
Top-up fee
400 XAF↗
Card network
Visa↗
Legal entity
MOUELET MOUANDA ROCK DASSIN↗
Headquarters
Congo↗
Founded
2021↗
Support channels
Email, Phone↗
Features
Multi-currency, Virtual card, Travel
Audience
Kids
Official website
onyfast.com

Savings

Rate type
Variable↗
Access terms
Personal payment account with an individual or collective savings option, opened online in 5 minutes with a simple ID only and no income conditions↗
Account kind
Easy access↗
Pricing model
No monthly fee

Facts checked September 26, 2026, 7 sources

Pros and cons

Pros

  • Opening happens online with a simple ID check and no income conditions, so a card can be set up for a child without paperwork
  • Multi-currency, a virtual card and travel all sit on the prepaid card, covering shops, trips and online spending
  • Support runs on email and phone, giving a parent a phone and email route

Cons

  • A monthly fee of XAF 299 applies, where bunq charges €0 a month and Varo Believe Secured Credit Card charges $0
  • Each top-up carries a charge of 400 XAF, which adds up for an account loaded regularly
  • Support runs on email and phone only, with no live chat channel
ONYFAST

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Scored 8.4 / 10 by SumCue.

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Who it suits

  • Parents who want a prepaid card for their kids, opened with ID only and no income conditions
  • Families who travel or pay online, with multi-currency and a virtual card on the same account
  • Anyone who wants savings alongside the card, held individually or collectively

Who should look elsewhere

  • Anyone chasing a fee-free monthly account: bunq charges €0 a month against XAF 299 here
  • Households that top up often and would rather avoid the 400 XAF load charge, and who may prefer Varo Believe Secured Credit Card at $0 a month

Fees and FX

The pricing is short and clear. The account carries a monthly fee of XAF 299, charged for keeping the prepaid card active. Money loaded into the account is charged 400 XAF each time, so frequent top-ups cost more than occasional ones. Budget for both charges together, since the monthly cost keeps running even in a month with no spending on the card.

The company behind it

ONYFAST is provided by MOUELET MOUANDA ROCK DASSIN, a business based in Congo that has been running since 2021. That makes it a small local operation rather than a large high street name, and the service is aimed at a single market. Support runs on email and phone, so help is a phone call or an email rather than live chat.

How ONYFAST compares

Where ONYFAST is available

Available
Congo

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

Frequently asked questions

What does ONYFAST cost to hold and to top up?+

The account carries a monthly fee of XAF 299. Each top-up is charged 400 XAF on top of that, so a family that loads money every week pays the load charge repeatedly. Where you can, add the amount in a single go and the two charges stay predictable.

Who is the ONYFAST card aimed at?+

ONYFAST lists kids as its audience, so the card is built around a parent giving a child a way to pay. The prepaid format means the balance is loaded in advance, which suits a child learning to handle money rather than borrowing against income.

What kind of card is it and where can it be used?+

The card is a prepaid card on the visa network, so it is accepted wherever that network is accepted. Because you load the balance first, a card that runs down simply stops working until the next top-up, which is part of the point for a child.

Does it handle more than one currency?+

The multi currency, virtual card and travel cover multi-currency use, a virtual card and travel, so a card for a child can also carry spending money on a trip. Add the virtual card for online payments without handing over the physical one.

How do I open the account?+

The account is a personal payment account opened online with a simple ID check and no income conditions, so a parent can apply without payslips. It is an easy access account, which means the savings option can be opened individually or collectively and the money stays reachable.

Can I get help if the card is not working?+

Support runs on email and phone, so a parent has a phone number and an email address to use. There is no live chat in that list, so a blocked card or a failed top-up is sorted by phone or by writing in, which is quicker than waiting for a chat agent.

Is there a savings element?+

Yes. Alongside the payment account there is an individual or collective savings option, and the rate on it is variable, so the return can move up or down. The account is an easy access kind, so you are not locked into a fixed term for the savings.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

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

ONYFAST

ONYFAST

Parents in a single market who want a prepaid card for their kids.

8.4/10See alternatives