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Access Visa card.

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Who is Visa?

Visa operates the world's largest retail electronic payments network providing processing services and payment product platforms. This includes consumer credit, debit, prepaid and commercial payments, which are offered under the Visa, Visa Electron, Interlink and PLUS brands.

Visa enjoys unsurpassed acceptance around the world and Visa/PLUS is one of the world's largest global ATM networks, offering cash access in local currency in more than 170 countries.

What is a Visa credit/charge card ?

A Visa credit card is a dollar denominated card linked to a credit line separate from your other bank accounts. When you make payments with the card, your available credit is reduced by the amount spent. You can choose to pay off the total amount spent at the end of each month or spread the repayment over time.

On the other hand with a Visa charge card the amount spent must be repaid in full at regular intervals. Also, it is easy to track what you have spent, because details of every transaction are produced in monthly Visa statements.

How do I get a Visa credit card?

Please fill and submit a card requisition form in any Access Bank branch or download from our website www.accessbankplc.com

What are the types of Visa credit cards available?

Visa cards are available as Classic, Gold, Platinum and Corporate credit cards.

How do I activate my Visa credit card(s)?

Please call the customer service numbers at the back of your card or 0700 CALL ACCESS to activate your card

Can my card be used to withdraw money from an automated teller machine (ATM)?

Yes. Your Visa credit card is accepted worldwide on over one million ATMs; Nigeria Inclusive.

Can my card be used on a POS terminal?

Yes. With over 24 million locations worldwide, the following transactions can currently be carried out on a PoS terminal at merchant locations: purchase of goods and services, balance enquiries, PIN change, funds transfer (card to card or card to account), mini-statement, bill payments, etc.

Can my card be used to make purchases on the Internet?

Yes. There are over 10 million websites that accept the Visa credit cards for payments, just look out for the Visa logo

Does my card expire?

Yes. The life span of a typical card is 2 years and this is usually embossed on your card.

Can I give out my PIN to a 3rd party to use my card?

No. This is not encouraged. Your PIN is a secret code that should be known to you alone. By giving out your PIN to a 3rd party, you are entirely liable for the consequences.

What do I do if my card is lost or stolen?

If you are travelling outside the country and your Access Visa card has been lost or stolen, call the Visa Global Card Assistance Service on +1 (0)410 581 9994.

How secure is my Visa credit card?

Visa recently introduced 'the Verified by Visa' scheme to tackle fraud when giving your card details on the internet. This service protects your Visa card details with a password.

Can I use/spend more than the credit limit I have on my card?

No you cannot. You can spend only to the extent of your approved credit limit but this can be increased based on request.

Is my money protected if my card is lost or stolen?

Yes. Especially if you have registered it for Verified by Visa, no-one will be able to transact with the card.

How can I make payments in other currencies since my card is Dollar-denominated?

Visa credit card can be used for payment in any internationally accepted currency. Currency conversions are done automatically against daily-maintained rates at Visa. This enables customers to seamlessly make payments in the local currencies of the host country and be billed in their account currency (US Dollars, in this case).

Will my card account accept Naira denominated deposits?

Typically the Visa card account is a dollar denominated account and deposits will only be accepted in dollars however you can still be issued a Visa card in Access Bank if you have a Naira account only.

How can I increase the credit limit on my Visa card?

The credit limit on your card can either be increased or reduced, by simply giving us an instruction to the effect and funding your account with the required collateral deposit. This can be done from any of our branches nation-wide.

 

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