Friday, 22 March 2013


GTBank will let you have a MasterCard ATM debit card when you open an account with them (Current or Savings account). Once this card is activated for Internet banking, you can use it for online purchases and payments worldwide, anywhere you see the MasterCard logo on the Internet. You can use it to order for products online or pay for services. However, you have to activate it to start using it for online payments and purchases.

To activate it, do the following:

[1]. Go to any branch of GTBank close to you and ask to see the Customer Service people or the person in charge of card services. Tell them you want to apply for Internet Banking or want to be profiled for Internet Banking and would want to apply for a “Token”. A Token is a small security hardware like a key holder that generates a set of numbers which will enable secure transfers via the Internet banking platform. It generates a random password which will then be keyed in after the password to enable transfer. You need the GTBank token device to activate your Internet banking account and also need it for your subsequent transactions in order to further secure your account from unauthorized transfers. The set of numbers generated should be entered when you are doing any transaction on the GTBank website. Like I had earlier said, it is also required for the activation of your ATM card for online payments. The bank will debit N2,100 or so for the Token once you log into their site and activate your Internet banking account (or Naira MasterCard). You will get the Token device that very day (or they will ask you to come back for it another day) together with a PIN which you need to change in the process of activating your Internet Banking account on their site.

[2]. After getting your Token and Internet Banking details, go to the GTBank website - - to activate your ATM card for online payment. Click on "Login" under "Internet Banking" and then enter your Internet Banking account user details [User ID (Username) and Password] which should have been sent to your email address. Enter the login details and once inside your account, click on "Get Activation Code" button.

[3]. On the next page, follow the instructions provided and fill the form on the page. Select your card type (MasterCard) and enter the expiry date (which you will find on your ATM card) and then press the little button on your Token. It should display some digits, type in those digits and click on the "Submit" button.

[4]. After you submit, your code will be generated for you. The generation of the code means your ATM card has been activated. Keep this online activation code away from anybody except yourself, you shouldn't compromise it.

[5]. Your GTB Naira MasterCard (ATM card) is now ready for making online payments anywhere you see the the MasterCard secured logo on the Internet. The code generated will be required every time you want to make payment online with the card.

[6]. When making payments on any website, you will be required to fill in the following card details after clicking the "Order" or "Buy" button on the website: Card type (choose MasterCard); Card Holder's Name (enter your name as it is written on your GTB Naira MasterCard); Expiry Date (enter it as it is on your card); CVV Number (enter the three-digit numbers at the back of your card beside the Signature).

NOTE. Although the GTB Naira MasterCard is widely accepted online, you cannot use it to effect payment on some sites on the Internet. Some sites may reject it while some may not have provisions for accepting it. For example, Clickbank products cannot be procured using this card. Most Clickbank products require a PayPal login before you can buy products on the site, so your GTB Naira MasterCard will not be useful to you on However, so many other sites will accept the card. You can use it to make online payment for your web hosting service with; domain name service with or; autoresponder service with,,; and products purchase on B2B online sites like To cap it all, you can use this card on many websites that accept the usual MasterCard. You can use it on websites like,,,, (to order PCs, tablets and other electronic gadgets from China), and (to purchase electronics, PCs, tablets, computer accessories, cell phones and accessories, handbags, clothes and so on from China) and (to buy domain name and webhosting).