Cards FAQs

What is a prepaid card?

A prepaid card is a reloadable payment card that is loaded with money by you or someone else which can be used for series of transactions including ATM withdrawal, POS/WEB purchases, Bills Payment, etc.

How do i apply for my Prepaid card?

Kindly visit the nearest Heritage Bank Experience Centre of choice.

What is the Cost of obtaining the card?

The cost of card is N1,000

How long will it take to receive my prepaid card after i apply?

This card is issued instantly after completion of the application form and payment of cost of card.

What is the daily maximum that can be loaded on this card?

This card is issued instantly after completion of the application form and payment of cost of card.

What is the validity period of the card?

3 years

Where can i use my HB prepaid card?

You can use your HB Prepaid card to pay for goods and services at millions of establishments worldwide. Your card will be accepted at any establishment that displays the MasterCard logo.

How do i activate my prepaid card?

Your prepaid card will be activated by changing your PIN at the ATM and loading your card with fund.

What is a virtual account number?

It’s an account that is tied to your prepaid card (called a card account) which will be supplied to you when you collect your card at the EC.

How do i apply fund to my card?

You can fund your card;
  • Across the counter at the teller point at any Heritage Bank Experience Center
  • Via Funds Transfer to the virtual account number tied to the prepaid card
  • via Quickteller on web or ATM using your debit card to transfer funds to the card number

What is the spending limit on the card?

ATM withdrawal — 150,000 per day
POS purchase — 500,000 per day
Web transactions — 500,000 per day

Can i still use my prepaid card after the loaded funds are exhausted?

Your prepaid card is a reloadable card. You can add funds by reloading at any of our branches or transferring funds into it until the card expires.

I have forgotten my prepaid card pin?

Submit a request for a PIN reset at any of Heritage Bank’s branch and a new PIN will be issued to you.

What do i do if my card is stolen?

Take the following steps:

Call Contact Centre on +234-1-236-9000 to request for your prepaid card to be blocked
Walk into any of our ECs and request for a new card, the funds in the previous card will be transferred to the new card.

Where can i use my HB prepaid card?

You can use your HB Prepaid card to pay for goods and services at millions of establishments worldwide. Your card will be accepted at any establishment that displays the MasterCard logo.

Request a Card Today

Use our self-service card request portal to order any of our available cards from anywhere you are in the world