The GTBank Virtual MasterCard is a digital payment card designed to aid frequent online shoppers with a secure and flexible alternative to physical payment cards. The virtual card is instantly issued via Internet Banking.
It is designed primarily for:

Security conscious online shoppers who prefer not to use their debit/credit cards linked to their regular bank account online.
As a fall back option for customers who have forgotten or lost their Card, but need to perform urgent online purchase

Accessible: Your Virtual Mastercard can be used wherever MasterCard is accepted online.
Instant: The Virtual card is available instantly on request.
It’s Flexible: The card can be loaded from your existing Account via Internet Banking.
Safe: Your card eliminates the risk and inconvenience of carrying cash and it cannot be stolen.
It’s Prepaid: The card is loaded via Internet Banking.
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.
It’s Virtual: You don’t need to carry it out around to use it for online shopping always available on your Internet Banking.
Secure: The card rides on the existing GTBank Internet Banking state-of-the-art secure technology platform.
Back-up plan: The Virtual Mastercard is a fall back option for customers who have forgotten or lost their Card, but need to perform urgent online purchase.
Its Convertible: The card can be converted to a physical debit card upon your request.
The card is valid for 2 years

Issued instantly when requested on Internet Banking.

Maximum daily loadable limit: N100,000
Daily Transaction limit (POS): N250,000.
Maximum amount permitted on your card at any point in time: N250,000
*(or its equivalent in the currency of the country you are transacting)

Logon to the Internet Banking Platform
Select Cards from the left-hand panel, click on the Virtual Card request menu and fill the displayed form
Click the new “Request Button” to initiate your request for a new virtual Pre-paid Card
Select the Account to Debit for charges
Click on the Account to link and agree to the “Terms and Condition” check boxes
Answer your secret question and click the Continue button
The confirmation button is then displayed
Generate a 6-digit code from your hardware token device
Input the generated 6-digit token code on the confirmation page and click the ‘Submit’ button
Internet Banking will display the details of the Pre-paid card once your request is successful:
PAN (Card Number)
Expiry date
Activation Code
N/B: You can view the details of your Virtual card anytime by clicking view card details but you will require the use of Hardware token.

How to Convert to Your Virtual Pre-paid card to a Physical MasterCard

Click Convert to physical Card link button as shown on the right
Select the Account to debit for the card Charge
Select your preferred PickUp Branch
Answer your secret question and click the Continue button
A record submitted successfully is displayed once request is complete
N/B: The card is removed from the History page and will no longer available as a Virtual card

What is a GTBank Virtual Prepaid Card?

The GTBank Prepaid Virtual Card is an instant card issued via the Internet Banking Platform

Where Can I Use my GTBank Virtual Prepaid Card?

Your card can be used for online purchases ONLY

Do I need to activate my card before first use?

No, you do not need to activate the card before use.

Is my Virtual card linked to my primary account with the bank?

No, the card is not linked to your primary account, a separate account is created for the card.

What is my Maximum Balance?

Your maximum balance represents the maximum amount that can be stored on your card at any time. Your maximum balance cannot exceed N250,000 at any time

What is my Daily Funding Limit?

Your daily funding limit is the maximum amount that can be loaded on your virtual card daily. GTBank Virtual Prepaid Cardholders are restricted to loading a maximum of N100,000 on their virtual cards daily.

What is my Daily Transaction Limit?

The daily transaction limit allowable on the card is N250,000.00
N/B: The funding limits are subject to Central Bank of Nigeria (CBN) regulation and may change without notice