Virtually all banks in Nigeria issue ATM debit cards but at the moment the GTBank Naira MasterCard, UBA Africard, Zenith Bank Mastercard Websurfer, and Zenith Bank Visa Prepaid Buxz cards are some of the most reliable payment cards you can use on the Internet for your online transactions here in Nigeria to make payments worldwide. The Fidelity Bank debit card which the bank offers to its customers who have at least a Savings Account with them is also reported to be a good online payment option.
GTBank will let you have a Naira MasterCard ATM debit card when you open an account with them (Current or Savings Account). You can start using the card for your international online transactions by going to any branch of the bank to activate the card for Internet banking, you will be able to use it for your online purchases and payments worldwide, anywhere you see the MasterCard logo on the Internet. Just go to any GTBank branch 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 can use the GTBank Naira MasterCard to order for products online or pay for services anywhere on the Internet wherever you see the MasterCard logo.
For now, let me concentrate on the easiest of them to get – the UBA Visa Prepaid card, called UBA Africard, issued by United Bank of Africa (UBA). The UBA Africard is one card you would want to consider and virtually the easiest to obtain. The UBA Visa Prepaid card (Africard) is a debit card variant denominated in Naira and is pre-funded and re-loadable. It is internationally accepted in all Visa acceptance points (ATM, PoS & Web). Card holders do not need to have an account with UBA in order to obtain this card, and the card can be obtained from any branch of UBA. The card is of two types; the personalized and the non-personalized types. I will advise you to go for the non-personalized type because you can instantly obtain it just immediately after applying for it.
All you need to apply for the UBA Africard is a valid form of identity, particularly a government-issued ID, which could be an international passport, driver's license or National Identity Card, or even the Voter’s Registration Card (in line with the new CBN directive).
You need a minimum of N500 (five hundred naira) to obtain this UBA Africard prepaid card, although in some cases you can get it even without paying a dime.
This card has a 10 digit number on it. This number serves as your account number. To fund the card, simple pay into the account number at the counter.
NOTE: Although the aforementioned cards are widely accepted online, you cannot use them to effect payment on some sites on the Internet. Some sites may reject them while some do not have provisions for accepting them. For example, Clickbank products cannot be procured using most Nigerian prepaid card. Most Clickbank products require a PayPal login before you can buy products on the site, so your Nigerian prepaid card will not be useful to you on www.clickbank.com. However, so many other sites, particularly the China based B2B sites like Aliexpress.com and DHgate.com will accept the card. You can also use these cards to make online payments for your web hosting service with Hostgator.com; domain name service with Namecheap.com or GoDaddy.com; autoresponder service with TrafficWave.net, Getresponse.com, Aweber.com. To cap it all, you can use these cards on many websites that accept the usual Visa and MasterCard. You can use them on websites like Amazon.com, Namecheap.com, Getresponse.com, Aweber.com, Aliexpress.com (to order PCs, tablets and other electronic gadgets from China), and DHgate.com (to purchase electronics, PCs, tablets, computer accessories, cell phones and accessories, jewelleries, handbags, clothes and so on from China) and Web4africa.net (to buy domain name and webhosting).
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