Frequently Asked Questions : STMD

Required documentation for card issuance includes:
  • Valid means of ID
  • Utility Bill
  • One Passport Photograph
  • Filled Card application Form (including BVN)
ATM NGN150,000 $300 Daily 50,000
POS NGN 250,000 NGN 250,000 (Equivalent in any currency) Daily
WEB NGN 250,000 NGN 250,000 (Equivalent in any currency) Daily

There are no Monthly Spend Limits. Annual International Spend Limit is $50,000

Application forms are available at all Access Bank Branches and can also be downloaded online from
For card loading and funding, this card can be loaded with cash at any Access Bank branch nationwide and also via card transfers from other banks on Quickteller via any ATM or online at

YES there are transaction charges.

  •  Exchange Rate on international transactions is defined by the issuer.
  • International ATM Transaction Fee : NGN240
  • Local ATM Fee (from 4th Transaction on other bank terminal) : NGN65
  • Any other International ATM Transaction Fee as presented by the ATM Acquirer.
  • SMS Transaction Notifications : NGN4
There are no monthly or annual load limits. Daily load limit is NGN50, 000. Maximum amount on the card at any time cannot exceed NGN250,000.
This card will offer up to 20% discount on Shipping and Freight costs for the first two transactions and 15% on subsequent transactions.
Card Balances are delivered via SMS Transaction Notifications, ATMs or our Contact Centre.
YES. Your prepaid card can be funded from another bank's debit card via Please refer to your prepaid card welcome letter for steps.
Annual Maintenance is NGN100. 
YES, but that has to be on your Access Bank account.
Please call our 24 Hour Contact Centre on 01-2712005-7 to block your card, and request for another card.
The bank decided this.
YES for ATM transactions, but NO for non cash transactions (POS & WEB) these are dependent on the merchant.
The card uses a dynamic OTP for local web transactions. This will be delivered to the cardholder's registered phone number with the bank at the point of transaction.

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