Your Union Bank debit card offers you all the convenience and security you need. Pay bills, shop online and transact wherever you are…
Naira MasterCard
The Union Bank Naira MasterCard is linked to your Naira account and can be used to perform transactions on all channels. It is acceptable for local transactions and gives access to discounts across local merchants.
Features and Benefits
- It is an all-access card that can be used to transact on all terminals locally (ATM cash withdrawals, POS purchases and online payments).
- The value of the card is limited to available funds in the account(s) linked to the card.
- The card can be used to access discounts on travel, shopping and lifestyle expenses.
- The card can also be set up for recurring payments e.g subscriptions, school fees payments etc.
- Security: It uses chip and Pin technology to guard against unauthorised access.
- The card has contactless capability.
- It is 3D secure and requires OTP for verification.
- The card can be personalised with your preferred name.
Naira Verve Card
Get an instant debit card when you open an account at any of our branches nationwide. With our debit cards, you can:
Make 24/7 ATM cash withdrawals nationwide. Your Union Bank Verve card is also accepted in 21 African countries. Enjoy seamless cross-border transactions in any of these countries.
- Cameroon
- Gambia
- Ghana
- Guinea
- Liberia
- Nigeria
- Republic of Congo
- Sierra Leone
- DR Congo
- Benin
- Burkina Faso
- Chad
- Cote D’Ivoire
- Mali
- Senegal
- Gabon
- Kenya
- Uganda
- Zambia
- Tanzania
- Senegal
Features and Benefits
Features:
- Available in Naira denominations
- Acceptable on all online platforms.
- Card can be accessed via the UnionOnline platform
- The card is valid for five years and will be renewed upon expiration
Benefits
- Card is issued instantly on request.
- Accepted on all online platforms
- Easy funding – Card is funded from your primary account through the UnionOnline platform.
- It is digital and convenient: No need to carry cash or a physical card around.
- Reduces the risk of fraud
UnionAce Card (Dollar Card)
Break barriers with the UnionAce card! Directly linked to your UnionAce account, our dollar denominated MasterCard gives you the freedom to shop globally.
Features and Benefits
- The card is linked to USD domicilary account and is available in dollar denomination only
- Flexible spend limit is available on request.
- World-wide acceptance: The card can be used for international transactions.
- The card grants you 24/7 access to funds in your account.
- The card is valid for three years.
- The card has contactless capability.
- It is 3D secure and requires OTP for verification.
- It can also be used for recurring payments e.g subscriptions, school fees payments etc.
- Card can be personalized with your preferred name.
UnionLegend Card
Got kids between the ages of 13 and 16? Get them a UnionLegend card! With a UnionLegend card, your child can: Make 24/7 ATM cash withdrawals worldwide and make online payments on local and international websites.
Features & Benefits
- The card is available in Naira and Dollar denominations
- Worldwide acceptance – It can be used for both international and local transactions
- The card grants you 24/7 access to funds in your account.
- The card is valid for three years.
- It can also be used for recurring payments e.g subscriptions, school fees payments etc.
- Card can be personalized with your preferred name
UnionVibe Card
Whatever your personality, we have a debit card that suits you. The UnionVibe debit card comes in three variants designed for youths within the age of 16 – 30. With worldwide acceptance that speaks to convenient banking, there are no limits to what you can do with a UnionVibe card.
Features & Benefits
- Available in Naira and Dollar denominations
- Available in 3 different card design variants; customers have the option of choosing their preferred card design from three different options
- 24/7 access to funds in your account.
- Transactions are EMV and Secure code enabled
- The card is valid for three years and will be renewed upon expiration.
- World-wide acceptance: It is an all access card that can be used to transact on all terminals locally and internationally (ATM cash withdrawals, POS purchases and online payments).
- The value of the card is limited to available funds in the accounts linked to the card.
- The card can be used to access discounts on travels, shopping and lifestyle expenses.
- It can also be set up for recurring payments e.g subscriptions, school fees payments etc.
- Security: It employs the use of chip and Pin technology to guard against authorized access.
- The card has contactless capability.
- It is 3D secure and requires OTP for verification.
- The card can be personalised with your preferred name.
How to apply/request a debit card
In Branch
Visit any of our branches nationwide to get a card issued to you instantly.
You can also call our contact centre on 07007007000 or send an email to customerservice@unionbankng.com
Contact Centre: Call the customer care line to request for a debit card.
Requesting a card through *826#
- Dial *826*21# on mobile number linked to your account
- Reply with 1 to select card request
- Reply with 1 to select Verve card OR reply with 2 to select Mastercard
- Reply with the number corresponding to the account you want to link the card with
- Input your transaction PIN
- Click send
Requesting a Card through UnionOnline
- Log in to the UnionOnline platform
- Click on the Cards Menu
- Click Request a new debit card
- Select Account number
- Details are populated
- Choose a Card type (Verve or MasterCard)
- Select “Through a branch” as pick up option.
- Select a preferred branch
- Input your security word and Token
- Submit
-
- Log in to the Union Mobile app
- Select “Retrieve Card PIN” from the menu
- Enter the last 4 digits on your card
- Enter your UnionMobile PIN
- Select SMS code
- Enter the SMS code sent to your phone and select “Continue”
- If you have a Hard token, select the Hard token option
- Enter the code displayed on your hard token and click on ‘continue’
Pin retrieval on UnionMobile
- Log in to the Union Mobile app
- Select “Retrieve Card PIN” from the menu
- Enter the last 4 digits on your card
- Enter your UnionMobile PIN
- Select SMS code
- Enter the SMS code sent to your phone and select “Continue”
- If you have a Hard token, select the Hard token option
- Enter the code displayed on your hard token and click on ‘continue’
A default PIN will be displayed. To activate your card, you can change this PIN to any 4-digit PIN of your choice at any Union Bank ATM.
Card activation at a Union Bank ATM
What to do at the ATM:
- Insert your debit card
- Select “Enter PIN” and input the 4-digit PIN retrieved from the mobile app
- Select “PIN change”
- Input your preferred 4-digit PIN and reconfirm
- Select “Continue”
- Success message displayed “PIN change successful”
If you forget your card PIN, you can also retrieve it via the UnionMobile app using the process stated above.
Non-Resident Banking
Tips for using your card abroad
Tips for using your card abroad
- When using your card abroad, always ask the merchant to use the chip & pin capability when swiping your card. This enhances security and helps protect you from fraud
- Always request that the merchant processes the transaction in the local currency of the country you travelled to.
Using your card online
Using your card online
Every time you use your card online, you will receive a One-Time Password (OTP). Some websites may not ask for validation using OTP. In such cases, your card transactions will only be allowed if you accept our terms and conditions around using your card for online transactions.
Click here to download an indemnity form.* You can also visit any of our branches to complete the form.
*Completed forms can be submitted at any branch.
Frequently Asked Questions
What type of Naira debit cards are available?
MasterCard and Verve
How many accounts can be tied to a Naira debit card?
Only one account
How much does a Dollar debit card cost?
$3 (Vat exclusive)
Who is eligible to get a Naira or Dollar card?
All Union Bank savings and current account holders
How much does a Naira card (Debit, Utility, Union Legend, Union Vibe) card cost?
N1,000 (VAT exclusive)
How do I get a debit card (Naira or Dollar)?
Please click on the “How to Apply” option on this page.
