Getting the Right Card

Use your card wherever your heart desires and shop online as much as you could. Roam your Money.

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
  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