The Verve card is the new Interswitch debit card now with the Chip and PIN. Verve is the new name of the more secure and convenient Interswitch card which with the introduction of chip and PIN makes transactions safer and with Quickteller services, adds convenience to everyday life. Verve is issued by Nigeria banks and powered by Interswitch. The Verve is simply the new name of the InterSwitch ATM card. The different types of Verve cards includes: Verve Debit, Verve PrePaid and Master Card Verve. The Verve debit card is the one linked to your savings or current account by your bank.

You can use your Verve card on all channels (ATMs, mobile, POS, Web, and Kiosk) and locations with logos bearing: Verve, InterSwitch, Quickteller, Reward. I use my Verve debit cards a lot to pay for online transactions as well as transfer money to other bank accounts via the Quickteller app. You can also use it to withdraw cash, pay bills and purchase airtime at ATMs.
Nigerian Banks that currently issue Verve cards are listed below:
  1. Access Bank Plc
  2. Ecobank Plc
  3. Enterprise Bank Limited
  4. FCMB
  5. First Bank Plc
  6. Fidelity Bank Plc
  7. Heritage bank Limited
  8. Jaiz Bank
  9. Keystone Bank
  10. Wema Bank Plc
  11. Mainstreet Bank Limited
  12. Sterling Bank Plc
  13. Skye Bank Plc
  14. UBA
  15. Unity Bank Plc

Simply walk into any bank branch to request for a Verve Card.

Once you get your verve card, activate it by changing the PIN at the ATM. Once activated, you can start using it for your transactions but for you to use it to make payments online, you must register the Verve card for Interswitch Safetoken Service.
Interswitch Safetoken Service is a system that generates a 6-8 digit One-Time-Password (OTP) whenever a transaction is initiated via the Interswitch Web Payment Platform.

Registering for the Safetoken enables you carry out transactions on any web merchant site that has integrated the Interswitch Payment gateway using a One Time Password (OTP) as a second level authentication process in addition to your Card Number, PIN and CVV2 code.
For you to be able generate OTP for your Verve card whenever you are carrying out a transaction with it, you will first have to register it for the safetoken service.

You can do that at a nearest ATM by following the steps below:
  • At the ATM, insert your Verve card
  • Input your 4-digit PIN and press Enter
  • Select your bank account type eg Savings or Current
  • Select the ‘Quickteller’ option from the ATM menu screen
  • Select ‘Pay Bills’ from the Quickteller menu list on the ATM screen
  • Select ‘Others’ for the bill payment menu option list
  • Enter ‘322222” as the Biller Code
  • Enter your Phone Number as the Customer Reference Number and select ‘Proceed’
  • You will get a display “Do you want to make this payment?” Amount Due:N1. (DO NOT edit the amount to be paid)
  • Click on “Pay amount due
You will then get a confirmation page indicating the registration was successful!

That is all.

Thereafter, if you want to make payment online with your verve card and you get to a stage where you are prompted to enter an OTP, you will get the OTP via text message on your mobile phone which you will use to complete your online transaction. If you add the verve card to the Quickteller mobile application, you will also be able to generate an OTP from the application.

Hope this information helps?
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  1. Thanks bros, what about master card 4rm GTB can we use it online too.

    1. what do you do when the OTP fails to come to your phone?

  2. It is a nice feature. I have been using it since since June last year to recharge, transfer money and even pay for some transactions. I even went ahead to instal the mobile application on my blackberry and it has made life really easy. No stress of looking for where to buy recharge card, no stress of having to queue in banks to deposit money.

    1. U ave a good point, tnx 4 d nice comment.

    2. Hello my friend, u said u don't go 2 ur bank and do deposit, so do u pay in cash 2 ur account. Pls kindly review it better, thanks.

  3. sir do u no anything about dis. Whenever want to download 4rm d marketplace on window phone, Nokia Lumia 920. Dis is wat will cum up, My family setup needed. Dat i should set up my family setup, i dnt no wat dat means. Am unable 2 download.

  4. Its like there's always a charge of 100naira attached to this step

  5. Wat of zenneth bank card

    1. Yes, u can still follow d abv procedure 2 get it done.

  6. i have been going to first bank to make some transfer but the are not getting it done, so therefore mr shelaf how can one activate his/her master card from first bank so that it can be used online.....??

    1. It might be already activated automatically by ur bank b4 u collected it, just test it 4 online payment, if it is not done, then u can follow d abv procedures to activate it by urself.

    2. Hello I can't pay for stuffs on play store with my keystone master card, it's rejecting my card number, is there any other way that you can prescribe? Please help.

  7. i just followed ur steps, and it was sucessful buh d atm enquired for a fone number apart 4 d customer reference number, y did it pls?

    1. Yeah, it is very important to put your mobile number there, the mobile number you input will be receiving One Time Passwords (OTPs) sent via SMS (text message) each time you are trying to make online transaction with your card to avoid fraud.

  8. Most of the ATM cards issued by Nigerian banks are usually from one of these three companies. Some of these cards include Interswitch Verve, Naira Mastercard, Naira Visa Card etc. To know which type of card you have, check the front and back of the card for any of the logos shown below - See more at: girokonto eröffnen. thanks

  9. tanx but mr shelaf av activate my own. and they av started sending the otp. but wen I want to pay after av entrd d otp dat was sent to me. it will tel me payment not sucesful reason exceed withdrawal limit

  10. Bro shelaf visa or verve which one is better

  11. They have failed to send me the OTP since I made the activation, what can I do?

  12. They failed to send me the OTP since I made the activation, please what should I do?

  13. Pls can I use it to purchase a blackberry app

  14. thanks For this information, but is there a to send fast money with my Diamond bank atm since it does not support quickteller?

  15. Thanks Fusho for the information. Pls do you ve an idea of the exchange rate for verve card? I need to drop my naira master card with gtb cos its a rip off, imagine paying 285 per dollar on the card as against the official 196 per dollar.