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OFS review

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

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Our verdict

OFS is a prepaid Visa card from a Benin-based operator aimed at families and children, with support by email, phone, a help centre and a community. Costs are the drawback: a monthly fee of XOF 1,100, a currency conversion charge of 2.2% and a top-up fee of 1% of top-up, minimum 1000 XOF.

Key facts

Best for
Parents in Benin who want a prepaid Visa card for a child to use.
Monthly fee
F CFA 1,100 (Source, checked September 26, 2026)
Currency conversion fee
2.2% (Source, checked September 26, 2026)
Card type
Prepaid (Source, checked September 26, 2026)
Top-up fee
1% of top-up, minimum 1000 XOF (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
OWO FINANCIAL SERVICES SARL (RCCM RB/COT/18B22306) (Source, checked September 26, 2026)
Headquarters
Benin (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Community (Source, checked September 26, 2026)
Features
Travel
Audience
Kids
Official website
ofs.bj

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Prepaid Visa card, so the balance is controlled by whatever is loaded onto it
  • Aimed at kids and families, with a parent holding the account
  • Support runs through email, phone and help centre, so help is easy to reach
  • Marked for travel use, which suits a card carried abroad

Cons

  • A monthly fee of XOF 1,100 adds a fixed cost even for light use
  • Currency conversion costs 2.2%, above the prepaid ranking median of 0.5%
  • Top-ups carry a fee of 1% of top-up, minimum 1000 XOF
OFS

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Scored 8.8 / 10 by DebitCue.

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Who it suits

  • Parents in Benin looking for a prepaid card for a child
  • Families who want a Visa prepaid card with several ways to get help
  • Anyone spending abroad who prefers a prepaid balance to a drawn-down account

Who should look elsewhere

  • Travellers who want low currency conversion costs, since the charge is 2.2%
  • Cheap-card seekers, as Skrill charges a monthly fee of €5 and JMMB's prepaid card charges none

Fees and currency costs

Three charges matter. The monthly fee is XOF 1,100. Each top-up costs 1% of top-up, minimum 1000 XOF, so money added to the card is never added at full value. Converting currency costs 2.2%, which sits above the prepaid ranking median of 0.5%. A card that carries a monthly fee, a top-up fee and a conversion fee adds up quickly for anyone paying it in often or spending across borders.

Who runs it

OFS is run by OWO FINANCIAL SERVICES SARL (RCCM RB/COT/18B22306), based in Benin and established in 2018. The card is a prepaid Visa card rather than a current account, and the audience is children. Help is available through email, phone and help centre, so a parent or a child can reach the operator by email, by phone, through a help centre or in the community. The card is also listed for travel use.

How OFS compares

Where OFS is available

Available
Benin

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

Frequently asked questions

What does OFS cost to keep?+

The monthly fee is XOF 1,100. That is a fixed charge on the card regardless of how much you load or spend, so it suits a card that gets used often rather than one held mostly as a backup.

What does it cost to load money onto the card?+

Each top-up carries a fee of 1% of top-up, minimum 1000 XOF. Because the fee sits on the top-up rather than the balance, frequent small loads cost proportionally more than occasional larger ones.

How much does it cost to convert currency?+

Converting currency costs 2.2%. That is higher than the prepaid ranking median of 0.5%, so the card works out expensive for anyone spending heavily outside its home market.

What kind of card is it?+

It is a prepaid Visa card. The balance comes from money loaded onto the card rather than from a drawn-down current account, and the operator lists travel among its features.

Who is the card aimed at?+

The stated audience is kids, which points to a parent opening the account and a child carrying the card. A prepaid balance also caps how much can be lost if the card is misplaced.

Who runs the card?+

The operator is OWO FINANCIAL SERVICES SARL (RCCM RB/COT/18B22306), based in Benin and founded in 2018. It is a single company issuing the card, rather than a bank branch network.

How do you get help?+

Support is available through email, phone and help centre. That includes phone and email, plus a help centre and a community, so help does not depend on a single channel.

How much cheaper are the alternatives?+

JMMB's prepaid Visa card carries a monthly fee of JMD 0 and CrediMax's prepaid Visa card carries BHD 0, against XOF 1,100 here. Skrill's monthly fee is €5.

Sources

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

Not confirmed yet: Free ATM withdrawals, Protection.

OFS

OFS

Parents in Benin who want a prepaid Visa card for a child to use.

8.8/10See alternatives