Prepaid Card

Application Form
Date
BVN D D M M Y Y Y Y

Prepaid Card Type Card Type

Visa MasterCard Others Personalised Instant Naira USD

Bio Data
Title: Mr. Mrs. Miss Ms. Dr Prof. Others

* Surname:

* First Name:

* Middle Name:

* Preferred Name on card in BOLD: (Not more than 21 characters)

Residential Address (Street):

State: Country: Email Address

Length of Stay at present address * Occupation/Profession Expected Annual Income

Own Residence Tenant

* Mobile Home Gender:

Male Female

Date of Birth Place of Birth Nationality:

D D M M Y Y Y Y

Type of Identification Are you a UBA customer? If yes, provide account number
National ID International Passport Drivers License Others Yes No

ID No Country of Issue

* Subscribing for Alerts

Residence Permit No
1. We are required by banking regulation to send Alerts to all Cardholders’
GSM phone and Em ail for all Debit transactions done via their Card.

2. Please note that appropriate fees with respect to SMS alerts sent to the
* Customer Signature nom inated GSM phone num ber will apply.

FOR BANK USE ONLY

Business Office
SEGMENTATION

Local: Low High

Customer Identification Number Name of Account Officer
International: Low High

Account Officer's ID (Employment Or Finacle ID) Account Officer's Signature/ Date

Name of CSO CSO signature/ Date

Name of BOM BOM Signature/ Date

www.ubagroup.com
1. INTRODUCTION 8.3 You should only reveal the Card number to make a transaction or to report the loss or theft of the Card or otherwise
By using your UBA PREPAID CARD you unconditionally agree to be bound by the laws, rules, regulations, and with our permission only if we allow you to do so.
official issuances applicable, now existing or which may hereinafter be enacted, issued or enforced. These 8.4 The PIN may be used for cash withdrawals, balance enquiry at ATMs and also for making payments at some of the
terms and conditions comprise the agreement between UNITED BANK FOR AFRICA PLC (herein after referred Merchants terminals.
to as “we” , “us” and “our”) and the CARDHOLDER (herein after referred to as you 8.5 The PIN should be safeguarded carefully.
and your). In this agreement, CARDHOLDER shall include (where appropriate) any person the customer has 8.6 Use of the wrong PIN three times would invalidate the Card. The Bank bears no liability for unauthorized use of the
asked us to give a Card to. Card. It is the cardholder's liability to ensure that the he/ she keeps he Card safe and your PIN confidential at all times.

1. DEFINITION TERMS AND CONDITIONS

1.1 “Additional Cards” means … … … … … … … … . 9. What you should notify us of
1.2 “Access Points” means an ATM, Pos terminal or Website merchant location that the Prepaid card is used on. 9.1 You must notify us:
1.3 “Bank” means United Bank for Africa PLC 9.1(a) immediately your card is lost or stolen or you think that the Card may be compromised misused or if the PIN is
1.4 “Card”, “Prepaid Cards or all mean the PREPAID CARD issued by us, including any renewal or replacement Card or disclosed to any unauthorized persons or suspected to have been compromised.
cards 9.1(b) if your statement includes an item which you think is wrong.
1.5 “Cardholder” means the person having power alone to operate the Card in accordance with the Bank's rules and 9.1(c) immediately you change your name, address, phone number or email address. If we contact you in relation to
regulations in respect thereof. your Prepaid Card, for example, to notify you that we have cancelled your Prepaid Card or to send you a refund by
1.6 “Regulator” means the Central Bank of Nigeria cheque, we will use the most recent contact details you have provided to us. Any e-mail to you will be treated as being
1.7 “Customer Self Service web application” means the website that customers can access to get their account balance, received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not
update their details and make card to card transfers. told us.
1.8 “Initial PIN” means the first secret code for the Card given to you by the Bank
1.9 “Load”, “Reload” means to pay/ credit money to your prepaid card. 10. Loss or Misuse of Your Prepaid Card
1.10 “PIN” means the Personal Identification Number chosen by you to authorize transactions (ATM, POS or WEB). 10.1 Your Liabilities
1.11 “PASSCODE” means the 4 digit code used to access the customer self-service web application 10.1 (a) If your card is lost, stolen or misused by someone who obtained it without your permission, you will be liable
1.12 “ Transaction” means any cash withdrawal or payment made using the Card, or any refund arising in connection for all amounts transacted on your card and losses incurred.
with the use of the Card in any authorized manner for debit or credit to the card. 10.1 (b) If it is misused with your permission you will be liable for all losses.
10.1(c) If the card has been fraudulently used before you report the loss, or in a manner that suggests compromise by
2. Applying for a Prepaid Card the cardholder, you will be liable for all losses incurred.
2.1 You must be at least 18 years old to apply for a Prepaid Card 10.1 (d) The Bank shall not be liable for consequences that arise as a result of disclosure to any third party arising out of
2.2 Proof of identity and address is required to apply and/ or we may carry out checks on you electronically. a transaction instruction.
2.3 You must provide a valid telephone number/ or e- mail at the point of applying for a Prepaid Card 10.1 (e) The Bank shall not be liable, accountable or responsible in any way whatsoever to the Cardholder for any loss,
2.4 All relevant card issuance fees must be paid when applying for the card injury or damage howsoever arising out of the use of the Access Points.
10.2 If the Card is lost or stolen or is misused or someone else may have discovered the PIN, you must notify us
3. Activating your Prepaid Card immediately by calling or e-mailing us on our Customer Fulfillment Centre telephone number and email
3.1 Sign at the back of the card once received. address below. On receipt of your report we will take steps to stop the use of the Card and, where appropriate, any
3.2 Load funds at any UBA branch Additional Card(s). You must, if we ask you to, cut the Card(s) in half and return it to us together with any Additional
3.3 Peel off the blue pin tab on the fulfilment or welcome letter. Card(s).
3.4 While you will be able to use the Initial PIN for Transactions and even retain it as your PIN if you so desire, it is 10.3 You must co-operate with the police and us in our efforts to recover the card if it has been lost or stolen. If you
advisable to change the Initial PIN to one of your choice in accordance with these terms. You assume full responsibility recover it you must not use it but should cut the Card in half and return the Card to us.
for the Initial PIN and any subsequent PIN. You must report any loss or theft of the Card to the police, and if we request for it, obtain a crime reference number
3.5 First time PIN change must be done on UBA Plc ATM but can subsequently be done on other Bank's ATMs. However, and/ or police report and provide us with it.
it is always advisable to change your PIN to a more memorable and easy to remember PIN which cannot be easily
guessed by anyone. 11. Limits of Liability
3.6 In case you experience any difficulty using your default PIN, kindly contact the UBA Customer Fulfillment Center on 11.1. Until you notify us that your card is lost, stolen or at risk of being misused, you will be liable for transactions before
+234 1 280 88 22, +234 700 22 55 822 or cfc@ubagroup.com we acknowledge the receipt of the notification
3.7 By using the Card you are agreeing to these terms and conditions. 11.2. If someone uses a Card issued to you, you will be liable for all the transactions which take place prior to your
notifying us that there is a danger of the Card being misused.
4. Loading & Reloading Your Card 11.3. You will not be liable for losses from transactions that take place after you have notified us and we have
4.1 Loading and reloading of cards can be done at any UBA Business Office. acknowledged receipt of your notification that your Card is lost or stolen or is in danger of being misused etc.
4.2 The maximum load amount allowed on your card is subject to CBN regulations on prepaid cards. A Load/ Reload Fee 11.4. If we are unable to debit your Card because the Card has been closed or for any other reason beyond our control,
may apply for each load/ reload that you make. you will still be liable to pay us for all transactions.
4.3 Upon Receipt, your funds will be available for use without delay. 11.5. We will not be liable to you if we cannot carry out our responsibilities under this agreement as a result of anything
that we cannot reasonably control. This includes:
5. Using the Card 11.5. (A) any machine failing to work; and
5.1 You can use the Card for withdrawal of cash from cash machines (ATMs) and/ or to make payments for goods and/ or 11.5. (B) Industrial disputes, natural disasters, or acts of God
services. You must follow any instruction that we give about using your Card and keeping it safe. We will deduct the 11.6 We will only be responsible for the loss you suffer as a direct result of our gross negligence, up to a maximum of
value of your transactions from the balance on your Card as soon as they are made. We will also deduct any applicable the balance in your Card and not for any other loss (for example loss of reputation)
fees as soon as they become payable by you, 11.7 If for whatever reason you do not use your Card in accordance with these Terms and Conditions or the Card is
5.2 The Card must not be used for any unlawful transaction including the purchase of goods and/ or services prohibited being used fraudulently, we reserve the right to charge you for any cost that the Bank reasonably incurs in taking
by the laws of the Federal Republic of Nigeria. action to stop the use of the Card and to recover any monies incurred as a result of your activities
5.3 We may refuse to authorize use of the Card if the transaction does not comply with applicable terms from time to 11.8 We shall not be liable for the goods or services that you purchase with your Card.
time. 11.9 We shall not be liable for a merchant's refusal to honour a transaction on your Card or failing to cancel an
5.4 All transactions can be viewed online by accessing the customer self service web application with your Pass Code. authorization.
5.5 We will convert all overseas transactions into US Dollar currency using the prevailing exchange rate as determined 11.10 There may be interruption in the use of your Card e.g. when maintenance is being carried out, which we will not
by the Bank. A percentage commission as determined by the Bank from time to time shall be charged on the amount be held liable for. During this short period, you may be unable to use your Card to pay for purchases or withdraw cash
of the transaction. from the ATM, reload your Card, check balance on Card. Please notify us if you have any problems using your Card.
5.6 The Card belongs to us. We may ask you to stop using your Card and return it to us or destroy it. We may at anytime
suspend, restrict or cancel your Card or refuse to issue or replace a Card for reasons relating to the following: 12. Refunds and claims
Ÿ we are concerned about security of your account or Cards we have issued to you; 12.1 We will credit your Card with a refund for any transaction or incorrect debit to your Card which you have protested
Ÿ we suspect your account is being used in an unauthorised or fraudulent manner; against; only after an independent investigation is conducted by us and we are satisfied that your
Ÿ or we need to do so to comply with the law. claims are correct. You cannot use a claim you may have against someone else to make a claim against us, or
Ÿ If we do this, we will tell you as soon as we can or are permitted to do so after we have taken these steps. refuse to pay us, unless you have a legal right to do so. You cannot transfer any rights against us to anyone else.
Ÿ 5.7 Like other payment cards, we cannot guarantee a merchant will accept your Card. We may also refuse to pay a 12.2 If you have any disputes about purchases made using your Card, you should settle these with the person you
transaction: bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any
Ÿ if we are concerned about security of your Card or we suspect your Card is being used in an unauthorised or goods or services purchased with your Card. Remember that once you have used your Card to make a purchase we
fraudulent manner; cannot stop that transaction.
Ÿ If sufficient funds are not loaded on your Card at the time of a transaction to cover the amount of the transaction
and any applicable fees; 13. Changing the terms of this agreement
Ÿ if there is an outstanding shortfall on the Card; 13.1 We may change the terms of this agreement, including our charges upon notification to you about the change.
Ÿ if we have reasonable grounds to believe that you are acting in breach of this agreement; Changes will normally arise from changes in market conditions, changes in the cost of providing the service to you,
Ÿ if we believe that a transaction is potentially suspicious or illegal (for example, if we believe that a transaction is changes in legal or other requirements affecting us or for any other good reason.
being made fraudulently); or 13.2 We may introduce a charge for any service provided under or in connection with this agreement.
Ÿ because of errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or 13.3 Most changes will be implemented at least 14 days after we notify you about them to give you sufficient time to
payment schemes processing transactions. consider whether you wish to continue with the service.
Ÿ If we refuse to authorise a transaction, we will, if practicable, tell you why immediately unless it would be unlawful
for us to do so. You may correct any information we hold and which may have caused us to refuse a transaction by 14. Terminating this agreement
contacting us on via the Customer Fulfillment Centre (CFC). 14.1 This agreement will come to an end if either party gives a written notice to the other to that effect and you have
5.8: You should treat your Prepaid Card like cash. If it is lost or stolen, you may lose some or all of your money on your returned all Cards and made all payments due under this agreement.
Card, in the same way as if you lost cash in your wallet or purse. As a result, you must keep your Card safe and not let 14.2 Upon termination taking effect the cardholder upon written request shall be entitled to receive any cash refund
anyone else use it. of the outstanding balance of the card account from the bank if any.
If you are issued with a PIN, you must keep it secret at all times. You should memorise the PIN, destroying the
notification and never disclose the PIN or security information to anyone. If you suspect that someone else knows your 15. General
PIN, you should change it as soon as possible. You can change your PIN to something more memorable at most ATM 15. (A) we do not warrant that services and benefits that we provide pursuant to the terms of this Agreement will
machines by following the on screen instructions. Please do not interfere with any magnetic stripe or integrated circuit always be available. We reserve the right to withdraw or vary these services or benefits at any time without giving you
(chip) in the card notice.
Ÿ We recommend that you check the balance on your Card regularly online at the customer self service web 15. (B) We will charge you for any loss or cost we incur resulting from a breach of this agreement by you.
application with your Pass Code. We will provide you with your Prepaid Card balance and a statement of recent 15. (D) This agreement is governed by the Laws of the Federal Republic of Nigeria including laws pertaining to money
transactions either by electronic means or on our secure webpage at any time. Your statement will show: laundering, CBN regulations and guidelines and other applicable laws in Nigeria.
Ÿ information relating to each Card transaction which will enable it to be identified; 15. (F) Your application will be subject to our processes and reviews, which may require you to provide further
Ÿ the amount of the Card transaction shown in the currency in which the transaction was paid or debited to the confirmation on documents. We reserve the right to accept or reject your application.
account; 15. (G) we reserve the right to terminate this agreement immediately upon suspicion of false information on opening a
Ÿ the amount of charges for the transaction prepaid card or a fraudulent/ criminal act is ascertained against you.
Ÿ the date the transaction is authorised or posted on to the account.
16. Governing Law
6. Fees and Charges These terms and conditions shall be construed in accordance with Nigerian Law.
6.1 You shall be charged fees by the Bank, in accordance with the Bank's schedule of fees and charges regarding your
Prepaid Card. All correspondence should be sent to:
6.2 You are encouraged to call the bank on our Customer Fulfillment Centre numbers below if you have any queries, Head, Prepaid Card
complaints or issues regarding your Card, UBA House, 57 Marina, Lagos, Nigeria.
Tel: 01-2808822, 08002255822, 07002255822 E-mail: cfc@ubagroup.com
7. Limiting your right to use the Card All the Terms and Conditions in the UBA PREPAID CARD Agreement have been read and understood by me as
7.1 If we have good reason, we may: evidenced by my signature below.
7.1(a) Refuse to approve a transaction
7.1(b) Cancel or suspend your right to use the Card for any or all purposes; or refuse to replace any Card without prior
notice to you. This agreement will be deemed to continue to subsist even if we do any of the above. Full Name
7.2 We will not be liable for any loss arising there from:
any cause which results from abnormal or unforeseen circumstances beyond our control, consequences which would
have been unavoidable despite all our efforts to the contrary; or
Ÿ a retailer refusing to accept your Prepaid Card; or Signature of Cardholder
Ÿ our compliance with legal and regulatory requirements;
We are also not liable for:
business interruption, loss of revenue, goodwill, opportunity or anticipated savings;
any indirect or consequential loss.
Date:
8. Security
8.1 You should keep the Card safe and your PIN confidential at all times. You must also keep the Card separately from D D M M Y Y Y Y
any cheques.
8.2 You should never write down or record your PIN.