Getting the Right Card

Find the best card for your lifestyle with UBA. Whether you want to pay bills, transfer funds or shop online we have the perfect card for you.

Find the best Card for you

Now you can compare cards side-by-side, plus get info about the card that's right for your lifestyle. Let the comparison begin. Don't Worry, we'll guide you whether you want to load cash, access ATMs, transfer funds, shop online, pay bills and many more. Find cards you like with the filters below.
  Verve Debit CardDebit MasterCardGold Debit MasterCardVisa Classic Debit CardVisa Dual Currency Card
Has EMV micro-chip and is PIN enabledYesYesYesYesYes
Can be used to pay for purchases on local websites and POSYesYesYesYesYes
Can be used to pay for purchases on websites and POS abroadNoYesYesYesYes
Requires PIN for all ATM and POS transactionsYesYesYesYesYes
Requires a CVV2 Code for all internet transactionsYesYesYesYesYes
Requires One-Time-Password for local website purchasesYesYesYesNoNo
Customer Requirements
Individual Savings/Current accountYesYesYesYesYes
Domiciliary accountNoNoYesNoYes
Getting a new card₦ 1,000₦ 1,000₦ 5,000₦ 1,000₦ 1, 000
Replacing a lost or stolen card₦ 1,000₦ 1,000₦ 2,500₦ 1,000₦ 1,000
Annual maintenance₦ 100₦ 100₦ 3,000₦ 100₦ 100
Daily Transaction Limits
ATMs₦ 150,000₦ 150,000₦ 300,000₦ 150,000₦ 150,000
POS₦ 1,000,000₦ 1,000,000₦ 1,500,000₦ 1,000,000₦ 1,000,000
Internet₦ 500,000₦ 500,000₦ 750,000₦ 1,000,000₦ 1,000,000
Transaction Fees
UBA ATMs in NigeriaFreeFreeFreeFreeFree
Other ATMs in Nigeria₦ 65 from the 4th transaction₦ 65 from the 4th transaction₦ 65 from the 4th transaction₦ 65 from the 4th transaction₦ 65 from the 4th transaction
ATMs abroadNA₦ 240₦ 240₦ 240₦ 240
POS in NigeriaFreeFreeFreeFreeFree
POS or websites abroadFreeFreeFreeFreeFree
I'm... What Makes Me Special? What Do I Need? Recommended Card
  • A student
  • An average income earner
  • I'm an average income earner looking for a card that helps me with my daily activities, I rarely travel
  • A card I can use it on ATM, POS, and local Websites with *flexible monthly fees *Pay-As-U-Go: pay monthly fee only in the month card was utilized on the ATM
  • A professional
  • A middle-class salaried Worker
  • I travel about 1 or 2 times a year
  • I like to skip the queues in the banking hall or would rather not visit them
  • I'm aspirational and proud of my achievements
  • I'm conscious of my status
  • A card I can use anywhere in the world but with flat and low cost
  • A card that I can used to pay for goods and services at the comfort of my home .e.g. internet shopping (Amazon, iTunes, ASOS, etc.) without traveling out of Nigeria
  • A Successful Professional
  • An entrepreneur of a growing company
  • Business person
  • A senior executive
  • I travel, buy and do businesses outside Nigeria a lot
  • I pay for superior services and always demand value for money
  • I'm selective, conscious of my lifestyle and seek out innovation
  • A card that I can used anywhere, and for everything such as book hotel reservations or vacation online
  • A card that provides perks and incentives such as access to airport lounges and exclusive events
  • A card with transaction limits beyond what standard debit cards provide
  • A top executive of a large or international organization
  • I travel abroad often and purchase expensive things
  • I have money, status and want corresponding high-quality service
  • I'm willing to paying for quality
  • I want specialized and personalized services
  • A card that sets me apart
  • A card that provides perks commensurate with my; status in life
  • A card that provides transaction limits beyond what an ordinary debit card provides

Using your Card Abroad

Please let us know if your travel plans take you outside your registered country. That way we’ll be expecting to see foreign transactions on your Card, and you can continue to use your Cards for purchases and to withdraw money. If for any reason you are unable to use your Card, please contact us immediately. Call our Customer Fulfillment Centre +234 700 2255 822 or Email: