The GTBank Naira MasterCard is a Naira denominated debit card issued in partnership with MasterCard Worldwide. It is denominated in Naira, but can also be used to settle purchases via POS terminals and Online in other major currencies.

It is accepted in Nigeria and abroad. The GTBank Naira MasterCard card is linked online, real-time to your Current or Savings account; all transactions done using this card are reflected on the account instantly. The Card is accepted in Nigeria and Abroad.

Multi-purpose spending companion – Your GTBank Naira MasterCard is capable of making all forms of local and international payments across all channels (ATM, POS, Online) such as:

  • School Tuition & Accommodation Fees: You can cover tuition and accommodation payments for your wards locally via the payment portal on the website of the educational institution or in person using the merchant’s POS terminal.
  • Shopping Online: With your card, you no longer have to wait until you travel to shop. You can now do so at many international websites that offer delivery to Nigeria such as ASOS, Amazon, Victoria Secret, River Island, Hawes and Curtis and many more.
  • Safety – Your card eliminates the risk and inconvenience of carrying cash and has security features such as Chip and PIN technology which guards against unauthorized transactions. The card also uses Card Secure which is an additional verification feature for web (online) transactions. Please visit for a guide on how to register for this service.
  • The card is valid for 3 years

Issued automatically to all Guaranty Trust Bank individual current and savings account holders.

    • Local ATM Withdrawals: N150,000
    • Local POS transactions: N3,000,000
    • International POS & Online transactions: $1,000 monthly

    N/B: ATM cash withdrawals have been limited to within Nigeria. 

    *For your daily international spending limits, kindly call GTConnect, our 24 hour contact center, on +234 80 3900 3900, +23480 2900 2900 0r +234 1 4480000 to get the current limits.

Introducing Card Secure from Guaranty Trust Bank

GTBank has simplified the process of completing online international transactions with your GTBank card through the use of a One Time Password (OTP) to complete online international transactions on merchants’ sites that require a MasterCard Secure Code or Verified by Visa code.

One Time Password (OTP) is an added card security feature for all GTBank cardholders.

It is a unique 6-digit code that can be received via:

  • Registered Phone number
  • Registered Email Address
  • GTBank Hardware token

The code received can then be used to confirm or complete online purchases whilst shopping online at participating online merchants.

Benefits of Card Secure

  • Enhanced Online Security
  • Easy to use
  • No required software to download and works from any computer.

To register your card for GTBank CardSecure, click here NOW.