One flat rate. No limits.
Send any amount. The sender pays a flat 5% creation fee. The recipient gets the full gift — nothing taken on redemption.
Creation fee
5%
of the gift amount, charged once to the sender when the SmartAza is created in the Owoche app.
Calculator
See exactly what you'll pay
₦
Recipient gets
₦5,000
Fee (5%)
₦250
You pay
₦5,250
Try any amount — there's no cap.
A few examples
| You send | Fee (5%) |
|---|---|
| ₦1,000 | ₦50 |
| ₦5,000 | ₦250 |
| ₦10,000 | ₦500 |
| ₦25,000 | ₦1,250 |
| ₦50,000 | ₦2,500 |
| ₦100,000 | ₦5,000 |
| ₦250,000 | ₦12,500 |
Recipients pay nothing
Whether you cash out to a bank account or into an Owoche wallet, there's no fee on the redemption side. The gift card amount is exactly what lands.
No upper limit
Send as much as your Owoche wallet and KYC tier allow. The 5% rate stays the same regardless of size.