Fees, call rates and loan costs
This page lists everything we charge. Last updated 7 October 2026.
Account fees
| Item | Cost | Details |
|---|---|---|
| Create account | Free | Sign-up and identity checks cost nothing. |
| Call credit | From ₦1,000 | You add credit to your balance to make calls. Unused credit stays in your balance. |
| Account activation | From ₦2,000 | Charged once, depending on the package you pick. Unlocks withdrawals and loan applications. Shown again before you pay. |
| Withdrawals | Min ₦2,000 | Sent to a verified bank account in your own name, usually within 24 hours. |
International call rates
These sample rates show how pricing works. The exact per-minute rate for your destination is always shown in the app before you dial, and you can cancel before the call connects.
| Destination | Rate | Notes |
|---|---|---|
| +44United Kingdom | ₦38 / min | Mobile and landline, sample rate |
| +1United States | ₦30 / min | Mobile and landline, sample rate |
| +1Canada | ₦30 / min | Mobile and landline, sample rate |
| +971United Arab Emirates | ₦95 / min | Mobile and landline, sample rate |
| +233Ghana | ₦70 / min | Mobile and landline, sample rate |
| +27South Africa | ₦60 / min | Mobile and landline, sample rate |
| +91India | ₦55 / min | Mobile and landline, sample rate |
| +86China | ₦40 / min | Mobile and landline, sample rate |
Call partner pay
Each call window shows its own per-minute rate and the slots left before you join. You are paid for completed minutes that pass review. Pay is not guaranteed because it depends on available windows and calls.
Loan costs
Loans range from ₦10,000 to ₦150,000 for 1, 2 or 3 months. We charge a flat fee of 5% of the amount borrowed for each month of the loan.
| Borrow | Months | Fee | Total to repay |
|---|---|---|---|
| ₦20,000 | 1 | ₦1,000 | ₦21,000 |
| ₦50,000 | 2 | ₦5,000 | ₦55,000 |
| ₦100,000 | 3 | ₦15,000 | ₦115,000 |
| ₦150,000 | 3 | ₦22,500 | ₦172,500 |
Repayments are split equally across the months. Because the fee is flat and you repay in parts, the true yearly cost is higher than the monthly percentage suggests. Compare it with other options before you borrow.
Late or missed repayments can reduce your limit and lead to the collection steps in our Terms of use. Only borrow what you can repay from income you are sure of.
Questions about a charge?
Email support@scratchtowin.vip and we will explain it.