Open Space Finance

Open Space Finance is your all-in-one financial platform for personal and business banking — built for everyone who wants complete control of their money. PERSONAL BANKING Open a personal account and manage your finances with ease. Send and receive money instantly, track your transactions, and keep your funds secure. BUSINESS BANKING Register and manage your business account on the go. Handle business transfers, manage team members with role-based access, and keep your business finances organised. MONEY TRANSFERS Send money to any bank account quickly and securely. No delays, no hidden charges. SAVINGS & WEALTH Grow your money with our savings features. Earn interest on your balance and take advantage of our wealth management tools designed to help you build long-term financial security. LOANS & CREDIT Access personal loans directly in the app. Apply in minutes, view a full repayment breakdown before you borrow, and repay in clear monthly instalments — with no hidden charges. Repayment terms start from a minimum of 3 months (90 days). Loan rates: 5.99% monthly flat interest rate. A one-time processing fee of 0.5% applies upfront. No early repayment fee. Late payments incur a 3% monthly penalty on the overdue amount. Maximum Annual Percentage Rate (APR): 80%. Representative example: Borrow ₦1,000,000 over 3 months at 5.99% monthly flat interest plus a one-time 0.5% processing fee (₦5,000) — repay 3 monthly instalments of ₦393,233.33, total repayable ₦1,179,700.00, representative APR 71.88%. Rates and terms vary by product and eligibility. Open Space Financial Services Ltd. is authorised as a Digital Money Lender under the FCCPC Limited Interim Regulatory Framework for Digital Lending, 2022. AI FINANCIAL ADVISOR Get personalised financial insights and recommendations powered by AI. Understand your spending, plan better, and make informed financial decisions. SECURITY & BIOMETRICS Your security is our priority. Log in with Face ID or fingerprint biometrics, receive instant security alerts for every login, and manage your transaction PIN with confidence. BUSINESS TEAM MANAGEMENT Invite team members to your business account with role-based permissions — owner, admin, editor, or viewer — giving you full control over who can do what. WHY OPEN SPACE FINANCE? • Fast, secure money transfers • Personal and business accounts in one app • Biometric login and real-time security notifications • AI-powered financial guidance • Savings with interest • Personal and business loans with transparent terms Open Space Finance is operated by Open Space Financial Services Ltd., regulated in compliance with applicable Nigerian financial laws and regulations. Download Open Space Finance today and take charge of your financial future.