Unlike banks, Fonia offers services that are easy to use, transparent, competitively priced with no hidden fees or charges, Not to mention, friendly, and convenient. In fact, the phone is the bank branch. We believe in financial inclusion. That everybody is entitled to a bank account. And that everybody should have the opportunity to get ahead. With our mobile app the phone is transformed into a personal bank account, with all the features unbanked customers need. Plus, with no pre approval, everyone is 100% approved. All of this with the bonus of having built-in credit rating and credit score monitoring to help customers get on their feet and get ahead.