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Customer Care: 0803 901 2001



About OneCard Nigeria


OneCard Nigeria is a technology-based fast-moving consumer goods company that gives individuals and businesses of all sizes convenient, secure ways to recharge mobile phones, toll passes, pay TV, internet and electricity,nationwide.

OneCard offers unique, secure top-up solutions for individual, corporate and retail customers via online channels, as well as retail channels using our handheld Direct TopUp device and the innovative One1Card, the one card that recharges multiple services.


OneCard recharges mobile networks, toll passes, pay TV, internet and electricity meters throughout Nigeria.

The following products are currently available:

  • Mobile: Airtel, 9Mobile, Glo, MTN
  • Pay TV:  Startimes, DSTV, GOTV
  • Toll: Lekki Concession Company (LCC) toll
  • Electricity:  Eko Electricity, IBEDC, IKEDC. EEDC, BEDC, PHEDC
  • Bank: Cit, Diamond, Ecobank, FCMB, Fidelity, First Bank, GTBank, Heritage Bank, Jaiz Bank, Keystone Bank, Skye Bank, Stanbic IBTC Bank, Standard Chartered, Sterling bank, UBA, Union Bank, Unity Bank, Wema Bank, Zenith bank
  • Internet: Smile, Spectranet, Swift

More services coming soon.


OneCard channels are available online and through our trade partners nationwide. You can call 0803 901 2001 or visit and complete the contact form to reach a OneCard representative.


Online services are designed for end users who have access to the internet and want to top up their various accounts. Services offered through trade partners are more ideal for anyone who does not have access or time to use the Internet.


We have two online channels for individuals and businesses. MyTopUp Nigeria can be used by anyone with a debit or credit card to recharge up to ten accounts in one single transaction. MyTopUp Business serves small and large businesses, and offers auto top-up and bulk top-up features.


Trade partners are appointed for our retail products: Direct TopUp and One1Card, the one card that recharges multiple services.


Anyone can become a OneCard trade partner. Fill out the form on the become an agent page of the website and a OneCard representative will call you. You may also contact our customer care on 08039012001


Trade partners are able to offer all OneCard services/products they are approved for, based on their application and payment.



About Direct TopUp

Direct TopUp is OneCard’s java software service offered to retail points for the convenient recharge of various accounts.


The Direct TopUp starter packs are offered for N10,000.00. The fee covers the cost of the device, data SIM, Direct TopUp software, and N3,000 wallet to commence trading.


The following products are currently available:

  • Mobile: Airtel, 9Mobile, Glo, MTN
  • Pay TV:  Startimes, DSTV, GOTV
  • Toll: Lekki Concession Company (LCC) toll
  • Electricity:  Eko Electricity, IBEDC, IKEDC. EEDC, BEDC, PHEDC
  • Internet: Smile, Spectranet, Swift

More services coming soon.


You can get started within 5 minutes once you complete the application form through our trade partner. You can also call the OneCard customer care line 08039012001

Direct TopUp service points are located in high traffic areas like hotels, hospitals, airports, restaurants, office complexes, motor parks, etc. To find a retailer near you click here

The Direct TopUp device can be used to recharge accounts from N50 and N50,000. Retailers earn a commission for all sales of any of the products available on the Direct TopUp service. Commissions earned vary.


No, you don’t. Direct TopUp increases your income through the commission for each sale and this comes directly to your Direct TopUp account as you carry out each transaction; the more sales you make, the more profit you gain.


The Direct TopUp device and the software are simple and very user friendly. However, OneCard Nigeria organizes periodical training nationwide for potential partners. Approved trade partners also provide training for potential Direct TopUp point owners

Yes, a manual to guide you on basic use of the Direct TopUp device is available on our website or request a copy from your dealer or any Direct TopUp agent near to you.


All Direct TopUp devices come pre-loaded with our software. During the first time launch of the software, it will ask for your Direct TopUp account number. The Direct TopUp account number is the number that is used to activate your account on the Direct TopUp platform. Once this number is entered correctly, you are ready to start trading.


After the first time setup of the account number, check your Direct TopUp wallet balance to confirm that you have set up the correct account and using the right MPIN. If you get a successful response from the balance request then you have the correct account number and MPIN.

Each Direct TopUp start up kit comes with two SIM slots, which allows you to use 2 SIM cards from 2 different mobile network operators. With 2 SIM Cards active and operational, you can switch between the two SIM depending on which operator is stronger in your location. You therefore have the flexibility of using any of the 4 operators to do your transaction.


No, your Direct TopUp account is not linked to any SIM card. This is why you can trade with any SIM of your choice just like you can collect money with your debit card from any ATM machine of any bank.


A simple menu option on the Direct TopUp software allows you to change your MPIN at any time. To be able to change the MPIN, you must supply the previous MPIN you are using and the new one you intend to use.


Direct TopUp account is activated with a default MPIN for all Direct TopUp accounts. This is 2345. You are advised to change this immediately.


Direct TopUp works with GPRS network, and every location that has GSM coverage also has GPRS.


Yes you can make transactions without a credit balance with the data SIM card provided to you by OneCard. However, to use any other mobile network operators, you need to have a credit balance of more than N50 to be able to make transactions.

When you enter the wrong MPIN 5 consecutive times, your Direct TopUp account will be blocked to protect your account from theft or fraud.


Call the OneCard Nigeria Care Center on 0803 901 2001 and you will be asked to provide some vital information which you must have supplied during account activation and other information that will prove the ownership of the account, the information you supplied will be verified and within 12 hours, the account will be unblocked and the MPIN reset. You will be adequately informed of the new MPIN.


Please ensure that the data SIM card provided to you is properly installed. If there is still a problem, please change to an alternative SIM card from another network operator. Also make sure that the SIM you are using is properly registered with the mobile network operator, and maintain a credit balance of at least N50. You should always use the SIM card of the operator that works best in your location.


Yes there are other trade partner categories. Please call 0803 901 2001 and a OneCard representative will describe your options.


Delivery of the confirmation message depends on variables that are linked together. if there is a slight delay at any point in the line of transmission, the message might be delayed considerably.


The Direct TopUp software is designed to prevent you from recharging the wrong account. Users are strongly advised to follow all the steps carefully to totally reduce or eliminate recharges to the wrong account.


If you or your business can meet the basic requirement, there is no limit to your growth in the business.


If such happens, call the Care Center on 0803 901 2001 and supply your vital information. Your account will be blocked until you acquire a new device to continue the trade. Your MPIN will also be reset for you to restart business.


After a successful transaction, you will receive a confirmation message telling you the transaction was successful. If a customer insists they have not received the credit, you may call our customer care line at 0803 901 2001 for your transaction details and confirmation.


Yes you can. Anyone on a service provider operating in Nigeria can be topped up even if they travel out of the country.


You can switch between SIM depending on which network operator is stronger in your location. That is to say that you can use any SIM that has a strong GPRS location in your location at the time of transaction.


You can get the platform for the new products by syncing your Direct TopUp device, Go to the Direct TopUp column you will see the word SYNC, press next, enter the M-pin then Request.


Error MessagePossible CausesSolution
No Response. Please Try AgainNo call credit on the SIM card being used for the transactionRecharge the phone and ensure you maintain a minimum balance of ₦50 before starting any transaction.
No network coverageMake sure there is network coverage on the available SIM on the phone or lock the SIM that does not have network coverage and use a second SIM.
Technical Failure, Please Try again laterInsufficient funds in your accountEnsure you have enough credit balance in your Direct TopUp account before starting the transaction.
Invalid Prefix………….The phone number you entered is not correct for the network the subscriber is usingGet the correct number and choose the right network.
Invalid PinAn incorrect account M-pin access code was enteredEnsure you enter the correct M-pin in the next transaction. If an incorrect M-pin is entered 5 times, your account will be barred and can only be restored by the Direct TopUp customer care centre.
Destination Number InvalidThe phone number entered does not match a valid phone number formatCheck the number and try again
Destination Number and Confirm Destination Number must be the sameThe two numbers entered did not match each otherCheck the number and make sure that the first one and the confirmation are the same
Subscriber Not Found The number is not yet active on the activation template.Confirm if the number is active.
The device has been configured with a wrong number.Advise the caller to try topping up a number to get the actual number the phone was configured with. And advise for re-configuration.


About One1Card

One1Card is the multipurpose recharge card that tops up different services. This is the only card of its kind in Nigeria today.


Below are the steps to use One1Card:

  1. Scratch the PIN surface gently.
  2. Dial:
    • For Mobile:               *979*SPID*PIN#
    • For Non Mobile:      *979*SPID*PIN*Account No#
  3. SPID means Service Provider Identification (SPID)
  4. The following are the SPIDs for active service providers:


Mobile Airtel; 9Mobile; Glo; MTN
Non-MobileStarTimes;   EKEDC;   LCC;  SMILE Internet; Bank


All One1Cards function the same way. But we offer customized One1Cards by special order, such as the customized cards the Redeemed Christian Church of God produces for distribution in all its parishes nationwide.


One1Card is available in many convenient denominations: N20, N50, N100, N200, N500, N750, N1500, N1000, N3000, N5000, and 10,000 .


One1Card is available at vendors shops, restaurants, and hotels around Nigeria, as well as Redeemed Christian Church of God parishes. To find a OneCard agent near you, click here.


You are free to partner with OneCard for the distribution of One1Card in your chosen location. Call 0803 901 2001 and our representative will contact you with more details.


One1Card is only available for use on Nigerian service providers.


You can make money by purchasing One1Card at a discounted rate and selling at the standard rates.

A message is displayed on the phone device giving the status of the transaction. You also receive confirmation text from some service providers confirming the status of the recharge request. You can also use the regular service provider codes to check your account balance.


Call our Care Center on 0803 901 2001 or e-mail providing the card serial number, batch number and any part of the PIN that is visible to you. You will get a reply with the full PIN if all the information you provided is correct.


You will not be barred for making multiple attempts but you are advised to always try to input the correct PIN every the time.


Yes you will enjoy all offers from your service provider and additional ones being offered by OneCard.

Yes, you can load up to the value of your subscription using any denomination. You are, however, advised to load full value using Direct TopUp or large denominations of One1Card.

Yes, you can borrow credit from your service provider when you run out of airtime. You continue to enjoy all the benefits of your service provider.

Yes. You continue to enjoy all the benefits of your service provider.

The SPIDs of banks listed are the same USSD codes of banks for example, GTBank is 737 also First Bank is 894.

You will receive a message that informs you the alert that a certain amount has been deposited in your bank account by you.