This is a revolving overdraft limit placed on your Debit Naira MasterCard.


  • Facility Type: Overdraft
  • Tenor: 1 year renewable (subject to clean-up every 30 days)
  • Loan Amount: N1million (maximum)
  • Repayment: Monthly repayment of interest, with bullet payment of principal at end of cycle
  • Interest Rate: Competitive interest rate
  • Fees: 2% flat (on N1million upon first utilization)
  • Utilization: Strictly via Naira Debit MasterCard (available for ATM withdrawals, POS purchase and web payments)
  • Customer must be a Platinum 1 and 2 customer
  • Customer’s average monthly salary should not be less than N1million in the last six months.
  • Customer must have received their salary through GTBank in the last three months consecutively.
  • Annual turnover should not be less than N20million
  • Customer must not have any past due obligation with GTBank or other banks.
  • Completed application form
  • Employer Undertaking form