FCMB Virtual Card

With our digital card, you can make local online payments whenever you need. It’s a simple way to keep your money moving.

Our Virtual Debit Card gives you the freedom to pay online without needing to carry a physical card. It lives securely in your mobile app and internet banking, ready whenever you need it. You can use it just like your regular card for online payments.

Features and Benefits
Features
  • You can link your card to your current or savings account, or choose the prepaid option with a wallet account—whatever works best for you.
  • You can choose between Mastercard (USD) and Verve (NGN) options.
  • Cards are available in both Naira and US Dollars.
  • Once you’re signed in, your card details are always available on our digital platform.
  • You can view your transaction history anytime through your account.
  • Three (3) years validity.
  • If your card expires, we’ll help you get a new one quickly.
Benefits
  • Every payment is protected with an extra layer of security using a one-time password (OTP).
  • You have round-the-clock access to your funds, wherever you are in Nigeria.
  • Get instant SMS alerts to help you keep track of your card activity.
  • Customers have a much lower risk of fraud if they use a virtual debit card, as it cannot be stolen or cloned.
  • Virtual cards cost less than physical ones, so you save more.
  • It’s quick and easy to get started with a virtual debit card.
  • No need to carry a physical card—everything you need is digital.
  • Enjoy extra protection and convenience every time you pay.
How to get the FCMB Virtual Card
  1. Start by downloading the FCMB New Mobile app and logging in. If you need a hand, we’re here to help.
  2. Head to Card Management in the menu to get started.
  3. Choose ‘Request for Virtual Card’ to begin setting up your card.
  4. Link your new card to the account you want to use.
  5. Fill in your details and confirm with the OTP we’ll send you. You’re all set.

Give it a go when you’re ready. We’ve made it simple and secure, so you can get started with confidence.

Frequently Asked Questions

Q1. What is an FCMB Virtual Debit Card?
It’s a digital card you can create instantly in our Mobile App, giving you a simple way to pay online without needing a physical card.

Q2. Where Can I Use my FCMB Virtual Debit Card?
You can use your Virtual Debit Card for all your online payments.

Q3. Do I need to activate my card before first use?
Yes, you’ll need to activate your card before you start using it. Just change the default PIN in the app and follow the simple steps to get started.

Q4. Is my Virtual Debit Card linked to my primary bank account?
Yes, your Virtual Debit Card is linked to the account you choose. If you prefer, you can open a new account just for your virtual card.

Q5. What is the daily transaction limit on the FCMB Virtual Debit Card?
You can make transactions up to N250,000 each day with your Virtual Debit Card.

Q6. How secure is a Virtual card compared to a Physical card?
Your Virtual Debit Card details are protected by your Mobile App or Internet Banking login, along with an extra layer of security. You can access your card details whenever you need them, without worrying about losing a physical card.

Q7. Is it possible to have more than one Virtual Debit Card on my account?
Yes, you can request more than one Virtual Debit Card on your account. You can have one Virtual Debit Mastercard and one Virtual Debit Verve Card at a time.

Q8. Can I have a physical and a Virtual Debit Card at the same time?
Yes, you can have both a physical and a Virtual Debit Card if that works best for you.

Q9. How do I fund my FCMB Virtual Debit card?
You can add money to your account from any channel, and your virtual card will be ready to use.

Q10. How Do I request for an FCMB Virtual Debit Card?
If you have any questions, we’re here to help. Call our 24/7 Contact Centre on 01-2798800 or email customerservice@fcmb.com.