Here is how a Debit card really works

A Debit Card is
linked to cardholder’s bank account.
This means that the cardholder can only have access to funds available
in their bank account.
Cards can be used
to withdraw money from ATMs, pay for transactions on UBA POS machines or pay
online for items bought.
 Every transaction done with a Debit Card will reflect
online real time in a cardholder’s bank account. Cardholders can monitor their
transactions by simply viewing their account statement.
Also, SMS messages
will be sent to Cardholders phone when a transaction is done. E-mail
notifications are also sent to the card holders e-mail address where the
cardholder indicated an e-mail address on his or her card application form.
To start using a
debit card, all cardholders must first activate the card at the nearest UBA business
office by selecting a PIN of their choice on the instant card activation platform
(POS or ATM).
It is important to
note that without activation, the card cannot be used for any transaction.
To activate a card,
simply select a PIN on the card activation platform.  It must be a 4 digit PIN number exclusively
selected by the cardholder. The cardholder must not ask for assistance in
selecting this number from anyone. It must also be a number that the cardholder
can easily remember
 A ‘successful PIN Change’ message is displayed
on the platform once a PIN is selected successfully. This PIN will also be sent
to the cardholders bank registered mobile number to indicate that he or she has
successfully activated the debit card.
Once this is
received by the cardholder, the card is ready to be used. It is important that
this secret PIN number is never disclosed to anyone. Keeping the number secret
is the cardholders’ first and most important protection against fraud.
Cardholders should
subscribe to the UBA e-statement monthly statements of transactions on their
bank accounts by email. Alternatively, they can walk into any of our branches
and request for a print statement, which would be delivered to you immediately.
To withdraw cash at
the ATM, insert your card into the machine and enter your PIN. Select the type
of account the card is linked to make a withdrawal and enter the amount of cash
you want to withdraw. Then take your cash, card, and receipt to keep track of
your balance.
Remember to report
lost or stolen cards immediately to the nearest UBA branch or by calling UBA
Customer Fulfillment Center (CFC) on +234-1-2808-UBA/2808822/6319822 or +234-700-CALL-UBA
/700 2255-822. This number is also listed on the back of the card. The number
can also be found on the letter accompanying the card given to all card


UBA recommends
making a note of this number and keeping it in a safe place in case both your
card and the letter are lost or stolen.


  1. DO YOU NEED A LOAN TO START UP OR EXPAND YOUR BUSINESS? Zion financial services is a sincere and certified private Loan company approved by the Canada Government, we give out international and local loans to all countries in the world, Amount given out $2,500 to $10 Million. We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration.

    Available now are

    Apply for a loan today with your loan amount and duration, Its Easy and fast to get 3% interest rates and monthly installment payments. email us now to apply:

    Peter James
    General Manager
    zion capital investment, Canada


Please enter your comment!
Please enter your name here