A prepaid card is a payment card whose monetary value is stored on the card itself, not in a bank account. This means no network access is required by the payment collection terminals to complete transactions as funds can be deposited and subsequently withdrawn straight from the card. Personally, I feel the UBA Prepaid card leads its peers in Nigeria, this is because of its famed efficiency and speed.
The UBA Prepaid card is a re-loadable card that can be used to get cash, pay bills, and make purchases online. Do you know that the UBA prepaid card can be used from anywhere in the world? Yes, Visa cards have international acceptance in over 200 countries in the world.
The UBA prepaid card has unique features that differentiate it from a debit card. The UBA Prepaid card uses gtpsecurecard services. However, the most noteworthy feature is that this card does not need a bank account to function. It is available in Naira, USD, GBP and Yen variants. These cards are tied to your BVN at issuance, so one can only own one at any given time. With a validity period of 36 months and an extra fiber in the card hardware, the UBA prepaid card is more durable when compared to competition.
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Why Use the UBA Prepaid Card?
- 24/7 access to funds from anywhere in the world
- Speed of light transaction completion rate
- Stand-alone. Not associated with any bank account
- Safe and secure to use
- It can be used on various channels for local and international transactions
- It is secured with two PINs: the web, ATM and POS PINs
- UBA prepaid cards can be funded in any UBA business office or via UBA mobile and internet banking platforms.
Types of UBA Prepaid Card
The UBA prepaid card is categorised according to KYC (Know Your Customer). KYC is determined based on how a customer is profiled and documents presented at the time of issuance.
We have the:
Local Low prepaid card
Works only within Nigeria. Threshold is low.
Local High prepaid card
Works only within Nigeria. Threshold is high.
International Low prepaid card
Works within Nigeria and the rest of the world. Threshold is low.
International High prepaid card
Works within Nigeria and the rest of the world. Threshold is high
Documents needed to get a UBA Prepaid Card
For High KYC:
- A recent utility bill
- BVN
- A valid identification card
- Card issuance fee (N1,050)
- Completed Card Request Form
For Low KYC:
- BVN
- Card issuance fee (N1,050)
- Completed Card Request Form
The high KYC UBA prepaid card can be used for all types of card transactions both locally and internationally. This card can only be loaded with a maximum of 4 million naira per quarter. The low prepaid card can only be used withing Nigeria.
How to Get a UBA Prepaid Card in Minutes
- Get your documents stated above ready
- Walk into any UBA Business Office
- Approach a customer care officer
- Present your identification card and your recent utility bill
- Complete the Card Request Form
It takes approximately 3-4 minutes for a new prepaid card issuance, so wait a bit and receive your card.
How to Activate UBA Prepaid Card (Africard)
- Fund the newly-issued card via any UBA teller point or any of the UBA online banking platforms using the Client ID (at least N1050)
- Go to any UBA-powered ATM
- Slot your card in
- Enter your ATM default PIN (as stated in the card package)
- You will be prompted to enter a new PIN
- Now, enter your personalized 4-digit PIN
- Re-enter the 4-digit pin
- Submit
Once you have activated the UBA Prepaid card, it is ready for usage.
How to Fund/Top-Up the UBA Prepaid Africard
You can fund the UBA prepaid Africard in different ways. From the methods highlighted below, you can choose whichever method is most convenient for you. I’d advise that you also have a UBA account to help with the funding.
Through your UBA Mobile Banking App
You can fund your UBA prepaid Africard using your mobile banking app with ease. Before you attempt to fund the card, make sure you have a UBA account and also the card on the mobile banking platform. Below is how to transfer money to your UBA prepaid Africard on UBA mobile banking app:
- Fund your UBA Bank Account
- Login to your mobile banking app
- Choose Banking
- Navigate to the source account (where you want to transfer the money from)
- Click Send Money
- Select Own Account
- Select your Prepaid Card as receiving account
- Enter Amount
- Enter narration
- Click transfer
See how to add your UBA prepaid Africard to your mobile banking app here: 
Through your USSD transfer code (*919#)
- Dial *919#
- Select 6 – Transfer to UBA Prepaid Card
- Enter your PIN
- Select source account
- Enter your card client id (full 10 digits). You can find the client id at the back (bottom left) of the Africard.
- Enter amount
- Submit
Through the Bank Teller (Cash)
- Fill a normal deposit slip
- Enter your card client id (full 10 digits) in place of account number. You can find the client id at the back (bottom left) of the Africard.
- Give the cash and the slip to the bank teller to process.
Benefits of the UBA Prepaid Card
Speed
The UBA prepaid card draws from itself, so transactions are remarkably faster – you will feel this on a whole new level when you initiate an online transaction with the card as it debits itself and complete your transaction within 2 minutes.
Safe and Secure Shopping
This is a tip. The card can be loaded with the exact amount you need to shop with.
Since the card is not linked to your main savings accounts, the risk and loss one could suffer if the card is hacked into via an unprotected website is zero.
Easy Replacement
The UBA prepaid card can be easily replaced. Things to do if you lose your card:
- Call the UBA Customer Care immediately to block the card to avoid fraudulent transactions on the account.
- Visit a UBA business office with the required documents to request for a replacement.
The UBA Prepaid Card can be used as a Gift Card
The UBA prepaid card can be issued as a gift. This is a more bespoke way to hand in gifts to deserving special ones. Better than cash.
Worldwide Presence
The UBA prepaid card has no boundaries. It is powered by Visa which is available in over 200 countries of the world. The card is powered by VISA and Gtpsecurecard. This card is your reliable travel buddy which gives you unlimited freedom 24/7 anywhere in the world.
Salary Card
Branded UBA prepaid cards can be issued to employees of organisations specifically to disburse monthly salaries, weekly, or daily wages to their various employees. This variant of the UBA prepaid card can be tied to the organisation’s profile.
Taste and Personalisation
The UBA prepaid card’s outlook can be modified to what a customer wants. Hence, it will be crucial for corporate campaigns, branding, or just individual personalisation.
The UBA Prepaid Card can be used as an Expense Card
The UBA prepaid card can be useful for personal, small and medium enterprises’ audits. It does not only serve as a disbursement channel for major projects, it can also help curb excessive and unnecessary spending. For an individual, the prepaid card can serve as a stipend purse which could be preloaded weekly with a fixed amount to cut spending.
UBA Prepaid card Online Portal Features
Your card can be accessed with its client ID and password here.
- View card activity/statement
- View balance
- Funds transfer
- Phone number update
- Email address modification
Yes
Hi Gbenga, great work.
Paypal is stressing me, and I’m gonna try this out soonest. Hope it works.
Thanks
Hi Gbenga,
I got the UBA Africard (Naira) but i wasn’t happy cos i linked it to my Paypal account and when i transfer funds to my Africard, UBA automatically converts it to Naira at 408 when the official bank rate is now over 500.
Few days ago, i got the UBA Africard (Dollar) but when i went to a UBA branch yesterday to withdraw funds, they said i CANNOT withdraw dollars from my card.
Which was weird.
Can you please confirm if your able to withdraw dollars from your card?
Hello Kay Kay, thanks for reaching out.
Commercial banks HAVE their own rates which are in conformity with CBN regulations, and these are very different from the unofficial black market rates.
There are very few terminals (POS/ATM) that pay in USD in Nigeria currently as CBN continues to frown at dollarization (local use and circulation of dollars) so you might not get one nearby.
That being said, once you receive your funds in your USD prepaid card, you can visit any UBA to apply for a USD withdrawal from your prepaid card…they will give you your cash in hand. You can also transfer same to your USD bank account if you have one, you can shop with it online as well.
I hope this helps.
You can also reach me @ banknaija@gmail.com for further clarifications.
Thanks for this expose. Please must the USD (Domiciliary ) back account be UBA< What if I have a GT dom account instead?
Hello,
I’m pushing to get the UBA dollar Prepaid card. Because I want to use it to withdraw from PayPal.
However I have some questions:
Can I use it to withdraw from PayPal? If yes, will it reflect in USD dollars on the card?
Secondly, I have a dollar domiciliary account. Can I transfer the USD from the prepaid card to the domiciliary account?
Please advise me.
Okay
I think you should transfer the money to a dollar account of another bank coz people usually withdraw in dollars
You need to transfer the funds to your domicillary account
Please i got a uba prepaid card.. but how can i fund it ..
Hello Promise,
Please find how to fund/top-up the uba prepaid card here: https://www.banknaija.com/all-about-the-uba-prepaid-card-features-uses-how-to-get/#How_to_FundTop-Up_the_UBA_Prepaid_Africard
Hello please what is the fix rate when uba prepaid card is use on intanational website?
Hi Olajire,
Please contact UBA customer care for this information.
Regards,
What is the cost of using uba prepaid card? Thanks.
N1,050. Thanks.
Good day sir and happy New Year,sir can it possible to make a payment that’s above 100$ which is limition on my naira Uba prepaid card when I link it with Paypal?
you cannot spend more than the limit. regards,
What is the daily limit of UBA prepaid card?
Do i fund this account with naira and then if i want to pay in dollars for any transaction it would be in dollars??
You can fund in naira and spend online in USD. The limit, however, is $100/month. If you will be spending more online, I’d recommend a USD-denominated card.
Pls what is the dollar spending limit online to purchase goods perday with this africard.
Because I would love to buy goods online worth 800$, how do I go about it
The $ spending threshold for some banks fluctuate depending on the current FX situation at the time. However, the widely-propagated threshold is $100 per MONTH.
To do your transaction, I’d advise that you get a USD card and spend freely.
Hi Ridwan, I can help you out with your purchase. Kindly reach out to me on 08*********.
We can meet face to face to handle your transaction.
Thanks
Dear Ridwan/Anyone reading this,
ALWAYS ignore these types of messages above as they are attempts to swindle you off your hard earned money.
Stay guided.
If a prepaid naira card also has a threshold of $100 that means it’s not different from my normal debit card na
The Africard is a prepaid card, a debit card is a debit card.
The global Naira spending limits also apply to the Naira Africard (as with all other Naira-denominated accounts/cards). If you want to exceed this threshold, simply get a USD Africard, source for your own FX and spend as you wish.
Hello Gbenga , great work💪. With africard naira hope I can spend more than $100 monthly online???
Hello Ifeanyi,
Thank you for the feedback.
The global Naira spending limits also apply to the Africard (as with all other Naira-denominated accounts/cards). If you want to exceed this threshold, simply get a USD Africard, source for your own FX and spend.
How much limit can i withdraw at abroad atm with my naira prepaid card? Prompt response please
Eq. $100 only/month (or as the national policies proscribe at the time of transaction).
I wanted to request for a uba africard for connecting with my PayPal account.
And I want to ask if I should request for Either a naira or USD prepaid card. And what features differentiate the two
I want to earn online in USD and withdraw in naira. Thanks.
Can I withdraw pounds from my paypal instead of dollar on my uba prepaid card?
Hi Monica,
If I get you correctly, you mean to ask if you can withdraw GBP using your USD UBA prepaid card. Yes, a cross-currency change will be done and your card will be credited with the equivalent of the GBP.
Alternatively, you can get a GBP UBA Prepaid card in any of their outlets for a more seamless transaction.
Can I own a Naira and Dollar Prepaid card at once?
Yes, you can
Please how do I load a dollar prepaid card without going to the bank
You can load your dollar prepaid card via any of UBA’s online banking channels i.e. mobile banking, internet banking.
Going through your page it has really answered all my questions . Thanks so much for this
Please if I want to fund my USD Afri Card, at rate would I be charged on please??
Hi Trex,
Thank you so much.
The rate would be $1 to $1 since you’d be funding the card with usd. You can only fund a UBA prepaid card using the currency it’s denominated in.
This page has answered all my questions but there is one baffling question..
Please bro gbenga I want to ask, Can I fund my UBA dollar prepaid card using my UBA account (Internet banking or App).
If YES, then My question is can I use a UBA savings account (NAIRA denominated) to fund a UBA dollar prepaid card Online ??
Please fund a USD card using a USD account. Alternatively, you can source for your own FX and deposit the cash into the card at any UBA Business Office. Thank you
[…] via […]
Sir can it’s possible to send from Uba prepaid naira to Uba prepaid dollar?
Hi Baba Said,
Currencies differ. It’s not possible.
I got my naira africard, but I’ve not been able to link to paypal successfully, i only got a debit of 480naira; no pp-code was sent… I’ve waited for a month now, the 480 was refunded, still ni code.. I reattempt it today; the same amount was debited…please i need help
I’d advise that you confirm with the bank if your phone number is correctly entered in the card details. You should also check the same on PayPal. That’s the most common cause of non-receipt of the otp code.
The correct format is +23480…..
My number was entered correctly… The PayPal code, that starts with PP-**** is what i didn’t receive after I’ve been debited
The ‘PP’ code is to be sent directly from UBA. Confirm that the card that you have is the ‘International’ type, not Local. Do you get regular transaction alerts when you use the card?
Will an international online payment in naira over 100k go through with Uba naira prepaid card?
Can Uba naira prepaid card work on an online international payment gateway charged in naira?
Can Uba naira prepaid card work on an online international payment gateway charged in naira(above 100 thousand naira)?
Hi Emas Vic,
The $100 global monthly threshold applies to the naira UBA prepaid card as well. Your limit/month on any naira card is $100. You can get a USD/GBP card, load it and use it for your transactions.
Yes, the UBA Naira Prepaid Card (International) will work on intl platforms. Local card types would not.
Weldone Sir, how can I know the difference between the Local type UBA Naira prepaid card and the Naira prepaid card for international transaction
Can Uba naira prepaid card work on an online international payment gateway charged in naira? Over N100k
I have a uba Afri card(dollar). Can I withdraw in naira since the card is that of dollar.
Thank you for your feedback. again sir can Uba prepaid dollar card holder Get dollar buy from the Uba Bank’or is there any app that Support currency exchange that will help me load my prepaid dollar card without visiting a business office to do that?
Hello Said,
Thank you for your comments. You can only load a UBA prepaid card using any of UBA’s e-channels or simply going to the “business office” to do that.
Thanks you for your quick response’ again sir my experience with Uba prepaid naira card I can load it myself via u mobile app internet banking or by Dial*919# and I can also add My prepaid on my app’ but that of Dollar i can’t be able load money on it I when to the bank with naira my thoughts to get exchange and load money to the card but I was told that I will only come with dollar to load ; that is why I am asking if there any app that support currency exchange that will allow me to load my card
Would I be able to link a low kyc prepaid card to my my PayPal account.
How can I get my uba naira prepaid card billing address
Hello, Please if I get the uba prepaid dollar card, how do I fund it, can I get dollar from the bank?
You need to source for your USD from the parallel market yourself.
Hello, Please I just got my Uba dollar prepaid card and to activate it I need to fund it with dollar, So can I go to a any uba bank and make a deposit in naira then they fund it with dollar?
The bank will not do naira-usd conversion for you so you have to source for you USD elsewhere e.g family, friends, aboki?
please I got my UBA naira prepaid card yesterday but i’m unable to link it with my paypal. it’s saying “your card was declined by issuing bank. please try a different card or contact your card issuer with questions.
Local or international card?
I have this same issue you responded to.. my card was declined and was asked to contact the issuing bank.. though money was deducted from my account and a pp code was sent but can’t input the code due to the declined message.. it’s a naira visa prepaid card.. please can you help
Were you using a UBA Naira prepaid card?
Hi Gbenga.
On the prepaid card enrolment form, there are no blocks for BVN and also since the features of the card says that it’s not linked with Bank Accounts. Would BVN still be requested upon registration at one of their Business offices?. I speak as one who doesn’t know his BVN and it’s much complicated than requesting the number from the Bank.
Hi Sami,
You can easily retrieve your bvn using *565*0#, or visit your bank ask for it. BVN is an essential to getting a UBA prepaid card
Good afternoon sir. Please does Uba prepaid card (naira) can work in other countries and what is the maximum amount Uba prepaid card can carry?
How much does Paypal charge for Linking the prepaid card.
[…] The Chipper Card is a virtual internationally-enabled VISA card that you can use to pay for things on both local sites and international portals. The Chipper Card is a pre-loadable card, just like UBA Prepaid Cards. […]
[…] RELATED: UBA Prepaid Card (Africard) – Is this the Best Prepaid Card in Nigeria? […]
Hi Gbenga. Is it possible to fund the prepaid (dollar) card too via the mobile app?
You can fund the prepaid USD card directly via your USD account, yes.
Hi Gbenga, I’m new to this prepaid card stuff, I am about to get it tomorrow. And i must say every comment here and your reply has answered the majority of my questions. However, Pls, what code will i send to my company( international) if i want to get paid? I’m a freelancer and I am about to get paid. What code will i send over to them?
To fund a UBA Prepaid Card, you will need the card’s Client ID. It’s usually at the back of the card (bottom-left).
Good morning, thanks for replying all the questions.
Please I will like to know which uba prepaid card I should get ( dollar or naira) as I want to link it to an online company where I will be paid in USD?
USD, easily
Please if I receive dollars in uba naira prepaid card, will it automatically convert to naira in my account balance. For example someone pays me $50 dollars into my naira prepaid card, will it automatically convert it to 28000naira into my uba prepaid account? Please reply
A Naira denominated debit or credit card CANNOT receive another currency order than its own. Please explain better
Good evening Mr Gbenga
My name is Wisdom.
I got this email from your website, you added it to a question you answered.
I have a UBA savings account (Naira)
I have a UBA prepaid card. (NAIRA AFRICARD)
I Just got UBA Dollar AFRICARD
My question is; Can I fund my UBA prepaid Dollar card with my UBA savings account online or through the app?
I don’t have a domiciliary account.
Again, I want to ask, if I open a domiciliary account and I want to fund it.
Can I fund it Using; Western Union , MoneyGram or Online platforms that supports the use of NAIRA DEBIT CARD for international transaction.
Does Western union and MoneyGram support the transfer of money from Naira Debit cards to a Domiciliary account??
My advise is: if you are doing any transaction that needs FX e.g USD, SOURCE for your own FX from the parallel market or any other means available to you. Please you can fund a USD card using your UBA USD account.
On your questions bothering WU/MG, kindly contact the merchants themselves.
Okay thanks
Please if I receive dollars in uba naira prepaid card, will it automatically convert to naira in my account balance. For example someone pays me $50 dollars into my naira prepaid card, will it automatically convert it to 28000naira into my uba prepaid account? Please reply
What I mean is just like with PayPal you can transfer dollars directly to the naira prepaid card and it will automatically convert it to naira into the uba prepaid account. So will it be the same thing if someone just directly sends dollar to the naira prepaid card?
Please I just want to understand the usage of the card well, I’m not use to all this
Your card is Naira-denominated, it takes NAIRA. Even IMTOs have been stopped from converting USD to Naira for Nigerian beneficiaries due to the volume of short-changing going on in that space. That said, I think you should just get a USD prepaid card to map to PayPal and a USD account to receive your inward transfers.
Hello Gbenga,
I have UBA USD AfriCARD Account, and it’s connected to PayPal also.
Can I make withdrawals from it by transferring the funds to my USD Domiciliary Account in another bank?
Thank you so much for your reply
Thanks, Mr Gbenga.
Pls can UBA USD prepaid card withdraw naira at the ATM stands??
Nope
Hi, Mr Gbenga
Please can i fund my neteller account using my uba dollar africard
Hi Mr Gbenga
I want to make some online payment in GBP. But I have a usd prepared card. Will it work
Yes, it should work
Hi Mr Gbenga
I want to make some online payments in pounds but I have a usd prepaid card. Will it work
Thanks
That should work
What is the spending limit on UBA naira prepaid card online