Prices and commissions, in naira, before you start
With Naija AI you know the possible costs before any trade happens. We state the size of the initial deposit clearly, the main fees, the trading costs, and the conditions for deposits and withdrawals. Nothing on this page is fine print: if a cost can appear on your account, it is listed here or shown to you for confirmation before you confirm a transaction.
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Plans: Basic, Advanced, Premium
Choose the plan that matches your starting capital and the level of attention you want. Every plan runs on the same engine.
| Feature | Basic | Advanced | Premium |
|---|---|---|---|
| Recommended for | Those just starting out | More experienced users | Users with the largest transaction volumes |
| Initial deposit | Minimum starting capital: ₦400,000 | From ₦2,400,000 | From ₦8,000,000 |
| Market monitoring | Included | Included | Included |
| AI-based tools | Included | Included | Included |
| Market alerts | Basic | Extended | Individual |
| Analytical resources | Core information | Extended | Full access |
| Learning materials | Included | Included | Included |
| Support | Online | Priority | Individual |
| Personal manager | Included | Included | Included |
| Priority processing of withdrawals | Not included | Included | Included |
| Monthly fee | ₦0 | ₦0 | ₦0 |
| Platform access | Included | Included | Included |
Important: we do not charge a monthly fee for access to the platform. The amount stated in each plan is the initial capital allocated to trading activity, not a membership or subscription charge. Trading commissions and other applicable costs are disclosed separately below and always shown before you confirm a transaction.
Core fees
The costs that can appear on an active account.
| Cost type | Fee / cost |
|---|---|
| Account opening | Free |
| Account maintenance | Free |
| Custody of funds | Free |
| Trading commission | Up to 0.58% per transaction |
| Currency conversion | Up to 1.50% |
| Forex spread | From 0.8 |
| Inactivity fee | Free |
The applicable fee is disclosed before you confirm a transaction. Spread can vary depending on the asset, liquidity, volatility and current market conditions, which is why we publish a range rather than a single number.
Additional costs
Third-party costs we do not control, listed so they cannot surprise you.
| Type of additional cost | Description |
|---|---|
| Network fees on digital-asset transfers | May apply when moving digital assets between venues; set by the payment networks, not by Naija AI. |
| Payment provider fees | May be charged by a third-party payment provider, for example on international card transactions. |
| Currency conversion | May apply when an operation runs in a currency different from your account currency. |
| Asset-specific or service-specific costs | May be applied by brokers or other partners depending on the chosen asset or service, and shown before confirmation. |
All applicable fees, where any exist, are displayed to the user before a transaction is confirmed. Naija AI applies no hidden charges.
Deposit and withdrawal costs
Deposits and withdrawals by NIP instant bank transfer, Visa, Mastercard and OPay are Free on every plan. Processing times differ by method and direction: deposits land instantly, while withdrawals take up to 24 hours for NIP and OPay and 1 to 3 business days for cards. The full method-by-method tables, including types and descriptions, are on the Deposit & withdrawal methods page, and the rules that govern withdrawal processing are on the Withdrawal policy page.
Timelines and limits
The minimum first deposit follows your plan: ₦400,000 for Basic, ₦2,400,000 for Advanced, ₦8,000,000 for Premium. Withdrawals are processed on business days; a request submitted before 15:00 WAT normally starts processing the same day. Large withdrawals above ₦10,000,000 may take an additional business day for the standard security checks described in the withdrawal policy.
Important notes. Past performance does not assure future results, and no fee on this page buys protection from market risk. Trading commissions are charged on activity, so an inactive account incurs no trading costs. If you ever see a charge on your account that does not match a line on this page, contact [email protected] the same day.