The Classic service runs on Java-enabled phones and Smartphones (iPhone, Android, Blackberry). You can carry out the following transactions on the Classic service:

• Funds Transfer (Inter-Bank & Intra-Bank)
• Bills Payment
• Phone Airtime Purchase
• Balance Enquiry
• Mini Statement

The Visa credit card is a dual currency denominated payment card which allows you spend and settle in naira for domestic transactions, while all your international transactions are billed and settled in US dollars. However you also have the option to settle your dollar spend/bills in Naira subject to the prevailing exchange control regulations.

With your Credit card, you don't have to wait for pay day. Simply pay for it your way, whenever you want it.

Naira Credit Card

• Naira denominated credit card

• Accepted at over 2 million ATMs and 30 million merchant locations, across over 220 countries globally

• Interest free period of up to 40 days

• Verified By Visa (VbyV) additional security for online transactions

• Up to 50% of net monthly salary can be availed as credit limit.

• No collateral required for salaried employees

• Minimum monthly repayment of 15% of outstanding balance

• No need to source for FX to repay bills

• Available in classic variant and supplementary cards available

*** TERMS & CONDITIONS apply.

• Access Prepaid is a reloadable payment card product that can be funded and used for transactions across multiple channels i.e. ATM, Point of Sale (POS) terminals, Internet, Mobile and Telephone orders.
• Access Prepaid cards are issued to both individuals and corporates and is available in VISA, Verve and MasterCard variants.
• The Verve Prepaid variant can be used on all terminals (PoS, ATM & Web) in Nigeria only.
• The Visa variant is available in four currencies; NGN, GBP, USD and Euro. Both card variants can be used at over 30 million merchants, 2 million ATMs and 220 countries of the world.
• The MasterCard variant is only available in Naira at the moment, but can be used both locally and abroad. Co-branding options are available for all card schemes (MasterCard, VISA & Verve).

Please see use case options for both individual and corporates;

S/N	INDIVIDUAL	CORPORATES
1	Utility/Expense Card	Payroll Cards for Salary disbursements
2	Shopping Card	Travel and Entertainment allowance disbursements
3	Identity Cards	Identity Cards for students and other associations (e.g Nigeria Bar Association)

USD Credit Card

• US Dollars denominated card

• Accepted at 2 million ATMs and 30 million merchant locations, across over 220 countries globally

• Interest free period of up to 40 days

• Minimum monthly repayment of 15% of outstanding balance

• Available in Gold, Platinum and Infinite variants.

• Issued as a secured or unsecured credit card

• Available in Classic, Gold, Platinum and Infinite variants.

• Verified By Visa (VbyV) additional security for online transactions

• Pay for domestic spends in Naira and international spends in US Dollar

• Supplementary cards available

• Card limit per variant:

  1. Classic - 0 to $10,000

  2. Gold - $10,001 to $20,000

  3. Platinum - $20,001 to $50,000

Getting started with your Visa Credit Card

• Collect your card, pin and VbyV pin from the branch.
• Call our contact centre on 01-2712005-7 for cardholder authentication and card activation.
• Note that some of the information provided by you during the application process will be required during the activation process.
• Your Credit card is accepted in over 30 million merchant locations, 2 million ATMs in 220 countries.
• Credit Card Support:  To provide you with the best of service reliability and functionalities, our 24/7 contact center in partnership with the Visa Global Customer Assistance Services (GCAS), provides proactive customer assistance to our cardholders globally on issue resolutions, enquiries etc.

*** TERMS & CONDITIONS apply.