Features and Benefits

  • 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 3 years

How to Apply

Internet Banking

  • Issued instantly when requested on Internet Banking. 


  • Login to the Internet Banking Platform
  • Select Cards from the left-hand panel, click on the Virtual Card request menuand 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

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 is no longer available as a Virtual card’.

Transaction Limits

Daily loading limitN100,000
Daily Maximum Card BalanceN500,000
Local Web transactions N500,000 daily
International Online transactions$3,000 monthly

*Please note that a charge of N1,200 applies for every cash withdrawal at an ATM abroad while Online and POS transactions are free. 


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

Your card can be used for online purchases ONLY

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

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

Your maximum balance represents the maximum amount that can be stored on your card at any time. Your maximum balance cannot exceed N500,000 at any time.

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.

The daily transaction limit allowable on the card is N500,000.00

N/B: The funding limits are subject to Central Bank of Nigeria (CBN) regulation and may change without notice.