The Nigeria UBA Africard has been around for some time, although many people don't know or understand the powerful features that go into this particular VISA card. There are reasons why you should consider the New UBA Africard for online and offline transactions.
If you're in a tight spot about which prepaid bank card to use, relax as I reveal the top 10 things you should know about the New UBA VISA Africard.
1. You don't need an account with UBA to apply for a UBA Africard
Many people think that they need to open an account with UBA to apply for the Africard. No! The UBA Africard is a prepaid card and is not tied to a bank account. However, you must present a valid government-issued ID, a utility bill, and a passport photo to receive the card.
2. The UBA card is a prepaid VISA card
The Africard platform is a virtual e-wallet issued by banks for online purchases and offline activities, linked to a VISA plastic card for offline POS, ATM and of course web transactions. It is a separate entity from your bank account and can only be funded by banking hall or transfer from your UBA account if you have one.
3. You can charge your card only between 8am and 4pm
It is good to know that you can only recharge your UBA Africard between 8 is and 4pm at the banking hall. So if you are in a queue at the banking hall and time is against you, it is best to go up to the tellers and let them know you want to top up your Africard.
4. UBA Africard is VISA Verified
VISA is an international power for online transactions, and it lives up to its reputation. The Africard is Visa Verified / Verified by Visa. You can enable this option in the user portal when you are logged in, and this adds an extra level of security to card transactions.
5. You can withdraw money from all ATMs for free
Yes, unlike other ATM cards, the UBA Africard card has a zero fee for ATM withdrawals. I don't know why it's free, but I enjoy it as much as you do. Who doesn't like free stuff?
6. Where your debit card fails internationally, the UBA Africard will pass
This is very important to note; the UBA Africard is accepted on many sites, even where a regular credit/debit card fails. I have successfully used it to pay on sites like Amazon, eBay, Fiverr, Upwork, etc.
7. There is a Naira Africard and Dollar Africard
Yes, the UBA dollar card was introduced in 2018 as a backup to its Naira counterpart. While you can top up the Naira card with Naira, you can only top up the Dollar card by going to the tellers in the banking hall with Dollars. The Naira card works the same as the dollar card and can do almost everything the dollar card can do.
8. You can withdraw money from VISA and Mastercard ATMs all over the world
With no limit, the Africard is your excellent travel companion. You can use the card to withdraw local currency in any country you visit. You can also pay at any cash register in any country you are in. Isn't that impressive?
9. The UBA Africard is issued immediately
Yes, you read that right. No complicated processes. Just come to a UBA branch near you with your ID card, utility bill and a passport photo, and in an hour or two, you should have your Africard card activated and ready to use.
10. You can manage your card online
Interestingly, your card has an online portal where you can check your balance, print statements, and transfer funds to other cards/UBA accounts, revise/correct transactions, block the card, change PIN, etc.
There are other prepaid cards in Nigeria from other banks. I will write about them when I use them and have gathered enough knowledge to talk about them. For now, let's rock our UBA Naira/Dollar Africard.