ONYFAST review
Updated October 12, 2026 · VaultCue Editorial Team
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Our verdict
For people who handle everyday money through a mobile app and a globally accepted card, ONYFAST keeps everything card centred. The brand offers physical or virtual cards that recharge from mobile money and support payments, transfers between clients and withdrawals in Congo and abroad.
Key facts
- Best for
- Covers daily spending through cards recharged from mobile money
- Currency conversion fee
- 1.5%↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- FCFA 0↗
- Transfer fee
- 1.5% per money transfer; fixed payment fee 50 FRS CFA↗
- Legal entity
- MECRECU↗
- Headquarters
- Congo↗
- Founded
- 2021↗
- Support channels
- Email, Phone, Chat↗
- Audience
- Business, Teens
- Pricing model
- No monthly fee, Low FX fees
- Features
- No credit check
- Official website
- onyfast.com
Savings
Money transfer
- Delivery time
- Instant for account-to-account and mobile wallet transfers; 5 business days for SWIFT transfers to other banks↗
- Payout methods
- Bank, Wallet, Card↗
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Offers physical or virtual cards for online and in store spending
- Recharges cards from mobile money for flexible everyday use
- Enables instant card to card transfers between ONYFAST clients
- Supports withdrawals at cash machines in Congo and abroad
Cons
- Centres all spending and withdrawals around a single card product
- Requires a mobile app to manage cards and operations
Who it suits
- People who want a card for online and in store purchases
- Travellers who need cash access in Congo and abroad
Who should look elsewhere
- People who want branch based account services
How ONYFAST compares
Where ONYFAST is available
- Available
- Congo
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does ONYFAST offer?+
ONYFAST provides physical or virtual cards linked to everyday money management through a mobile app. Holders recharge from mobile money and then pay online or in stores. They also transfer to other clients and withdraw cash when needed.
Where can holders use the cards?+
Holders use the cards for online purchases, subscriptions and daily shopping where the cards are accepted. They also withdraw cash from cash machines in Congo and in other countries. Security measures protect payments and withdrawals at home and abroad.
Which countries and transfers does ONYFAST cover?+
The service focuses on use in Congo with international use for spending and withdrawals. Holders send funds directly to another ONYFAST client from card to card within moments. International card use extends the same balance beyond Congo for travel and online buying.
What currency conversion fee does ONYFAST charge?+
The currency conversion fee at ONYFAST is 1.5%. (Source, checked September 26, 2026)
Which company operates ONYFAST?+
ONYFAST is operated by MECRECU. (Source, checked September 26, 2026)
Where is ONYFAST based?+
ONYFAST is based in Congo. (Source, checked September 26, 2026)
When was ONYFAST founded?+
ONYFAST was founded in 2021. (Source, checked September 26, 2026)
How can I contact ONYFAST support?+
ONYFAST offers support through Email, Phone, Chat. (Source, checked September 26, 2026)
Sources
- onyfast.com checked September 26, 2026
Backs: Access terms, Free ATM withdrawals, Features, Currency conversion fee, Headquarters, Pricing model, Support channels, Transfer fee
- onyfast.com/entreprise.html checked September 26, 2026
Backs: Founded
- onyfast.com/privacy.html checked September 26, 2026
Backs: Legal entity
- onyfast.com/puct_onyfast.html checked September 26, 2026
Backs: Audience
- onyfast.com/services_onyfast.html checked September 26, 2026
Backs: Account kind, Delivery time, Local account details, Payout methods, Rate type
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Licence type, Deposit protection, Currencies.