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How to Activate Your ATM Cards For Online Transactions

Majority of the ATM cards such as Interswitch Verve, Naira MasterCard and Naira Visa Card are obtainable at Nigerian banks. To know the type of card you have, check the front and back of the card for the logo. The cards can be identified by their logos.

Before you can use any of these ATM cards for online transactions, you need to activate them first for internet banking. After activation you can then use them to order products or pay for services online.

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10 Ways to Protect Yourself from ATM Scams

Steps You Can Take to Activate Your ATM Cards for Online Transactions

There are different steps you can take to activate your ATM cards for online transactions. These include:

How to Activate Your GTB Naira MasterCard to Buy or Pay for Products Online

Step 1:

Visit any GTBank branch office and inquire about the person in charge of card services. Ask for an “Activation Code” for your ATM card you want to use for online payment, or rather request a “Token“.

A Token is a tiny device that looks like a key-holder for generating codes or secret PINs you can use when you are transacting on the GTBank website.

A Token is also required for the activation of your GTB ATM card for online payments. The bank will charge you about N3000 for the Token and ask you to come back for your Token and Internet Banking details. These will be sent to your email address after your request.

Step 2:

After you have gotten your Token and Internet Banking details, visit the GTBank website at www.gtbank.com to activate your ATM card for online payment.

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Click on “Login” located beneath “Internet Banking” and input your ‘internet Banking account user details which include User ID or Username and Password sent to your email. Put in the login details and when you are inside your account, click on “Get Activation Code”.

Step 3:

There is a form you will be required to fill on the next page, following the information provided. Choose the type of your card (MasterCard) and put in the expiry date on your ATM card. After that you press the small button on your Token. This should show some digits: type in those digits and click “Submit”.

Step 4:

After hitting the “Submit” button, your code will be generated for you. The generation of the code means your ATM card has been activated. The online activation code should be kept out of reach of anybody except you alone. But make sure you keep it very safe.

Step 5:

Now that your GTB Naira MasterCard or ATM card is ready for making online payments anywhere you see the MasterCard secured logo on the internet, you can use the code generated to make payments online with the card.

Step 6:

Any time you want to make payments on any website, you will be required to fill in the following card details after clicking the “Order” or “Buy” button on the website: Card type (select MasterCard); Card Holder’s Name (input your name as it is written on your GTB Naira MasterCard); Expiry Date (enter this as it is on your card); CVV Number (input the three-digit numbers at the back of your card near the Signature).

You can use the GTB Naira MasterCard to make payments online for web hosting services on sites like Hostigator.com, Godaddy.com and Namecheap.com.

You can also pay for auto-responder services on Aweber.com, getresponse.com and TrafficWave.net.

The GTB Naira MasterCard can be used to buy products on B2B online sites like DHgate.com, and it can be used for transactions on Amazon.com and Aliexpress.com to order PCs, tablets and other electronic gadgets.

Nevertheless, you cannot use the GTB MasterCard to make payments on some websites on the internet. It is either being rejected or there is no provision for accepting it. An example of a site that doesn’t accept this card is Clickbank.

How to Activate the Diamond Debit Card

The Diamond Debit Card is issued to individual and joint account holders who run Savings or Current accounts. There are three types of Debit Card including Naira Debit Card, USD Debit Card and GBP Debit Card.

Naira Debit Card

Naira Debit Card is a naira denominated card connected directly to a Current or Savings account. It offers you 24 hours to access the funds in your account. You can use it to pay for goods and services across all channels such as ATM, POS and WEB. It is also designed to suit every way of life.

USD and GBP Debit Card (FCY Cards)

The USD and GBP Debit Card is a foreign currency denominated card that is connected to your domiciliary account. It is a global card that can be used anywhere around the world, and it is accepted across all channels such as ATM, POS and WEB.

Features and Benefits

These include:

  •  24 hours access to funds
  • Worldwide acceptance
  • Secure and convenient means of payment
  • 3 years Validity
  • Discount offers at certain merchant locations (Naira Debit Cards)

You have the ability to request the increase of POS/WEB spend limit of the USD and GBP debit card.

How to Subscribe

  1. Open a Savings or Current account with Diamond Bank to get your Debit card
  2. If you already have an existing Savings or Current account with Diamond Bank, just visit any of their branches and ask for a Debit Card.

How to Activate Your Card

  1. To activate your card, just visit any Diamond Bank nearest branch to generate a PIN on their POS machine.
  2. You can always use your card on the ATM, POS and WEB once it has been activated.
  3. You also need to generate an iPIN – a four-digit number that serves as a second level authentication for all your online transactions — on any Diamond Bank ATM to enable you perform online transactions.

Security and Safety of Your Card

You should keep some details of your card personal such as Card Number, Card iPIN, iPIN, CVV2 and Expiry date. You should not disclose them to anyone not even your closest friend. (CVV2 is the three digits behind your card).

Also keep your Diamond ATM Card away from magnet or magnetic materials, radio equipment, mobile phones, heat and any device that discharges electromagnetic waves including stereo.

How to Activate FCMB Verve Debit Card

Verve card is a local payment card used for making payment for goods and services on Point of Sales (POS) terminal or Merchant’s Website and also withdrawal from the Automated Teller Machine (ATM).

Verve cards can be accepted at merchant locations, websites and ATM terminals where the card system brands are shown.

The Naira denominated Verve Card is linked to a Savings or Current account, and it is valid for 3 years from the month it is issued.

It is instantly printed in the branch and comes with a second level authentication one-time password (OTP). It requires PIN (Personal Identification Number) for all transactions and transactions limits can be increased upon request.

Benefits of Verve Debit Card

  • The Verve Debit Card is a local means of payment
  • It is used for goods and services anywhere that the Verve logo is displayed
  • The card is convenient and secure to use
  • It can be used on Quickteller for transfers, payment of bills and airtime recharge
  • It enables you to spend Naira wherever you go around the Nation
  • The card is accepted across various channels — ATM, POS and WEB.

Debit Verve Card Charges

The cost of a new card whether Classic, Gold or Platinum is charged at N1000, and then to replace a lost, damaged or expired card is also charged at N1000.

Ii is free to change your PIN or withdraw cash on any FCMB ATM, but to withdraw on other banks’ ATM around Nigeria you will be charged N65 after third transaction in a month. Purchases made on POS and local websites in Nigeria is free.


Have you been looking for a way to activate your ATM card for online transactions? Or are you thinking of getting a new brand one? The information in this post will help you on how you can activate your card whether new or old.

If the information in this post has helped you become successful in activating your ATM card, please use the comment box below to share your views.

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Chris Eze

Chris is a content writer at InfoGuideNigeria.com. InfoGuide Nigeria is a team of Resource Persons and Consultants led by Ifiokobong Ibanga. Page maintained by Ifiokobong Ibanga. If you need a personal assistance on this topic, kindly contact us.

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