These online banks are very wicked.
If you take loan from them, for instance N500k loan.
You'll pay monthly interest of 9.9% and the total amount to be repaid at the end of the year would be N1 million.
Meanwhile, if you invest N500k with them, they'll pay you annual interest of 15%, at 1.25% monthly.
And at the end of the year, they'll return a total of N575k to you.
This is totally unfair.