Features and Benefits

  • Multi-purpose spending companion – Your GTBank Naira MasterCard is capable of making all forms of transactions (cash withdrawals, payments and purchases) in Nigeria and abroad across all channels (ATM, POS, Online).
  • 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 www.gtbank.com/cardsecure 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.

Transaction Limit

  • Local ATM daily withdrawals: N150,000
  • Local POS & Online daily transactions: N3,000,000
  • ATM daily withdrawal Abroad: $300
  • International ATM, POS & Online monthly transactions: $3,000 

N/B: Please note that a charge of N1,200 applies for every cash withdrawal on ATMs abroad while POS and online transactions are free.