Classic Debit Card

Classic MasterCard.

Designed to meet your daily payment needs with security, simplicity and ease. Available in both Naira (NGN) and US Dollar (USD) variants, this versatile card enables seamless transactions across ATMs, POS terminals, e-commerce websites and contactless Tap-to-Pay channels — locally and worldwide.

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NGN · USD Two Variants 5 Yrs Validity ATM · POS · Web All Channels

✦ Classic Access

Card Features

Everything you need. Nothing you don't.

Dual Account Linking

Link your card to either your savings or current account — or both — and switch between them with ease for maximum spending flexibility.

24/7 Global Acceptance

Use your card at any ATM, POS terminal, or web checkout worldwide displaying the Mastercard logo — available around the clock, every day of the year.

PIN + SecureCode Protection

A 4-digit PIN secures card-present transactions; Mastercard SecureCode (One-Time Password) protects every card-not-present online purchase.

Value-Added Services (VAS)

Pay for Cable TV, electricity, water, internet, and airtime recharge directly with your card — anytime, from any device or terminal.

OTP on Every Web Payment

All online transactions are authenticated via One-Time Password to your registered phone — zero chance of unauthorised web charges.

Unique BIN Number

Every ProvidusUnity Bank Classic Mastercard carries a unique Bank Identification Number — exclusive to ProvidusUnity Bank, giving your card a distinct identity worldwide.

5-Year Validity

Your Classic Mastercard is valid for 5 years from date of issuance — giving you long-term convenience without the hassle of frequent renewals. Replacement cards are available at any ProvidusUnity Bank branch nationwide.

Why Classic

The card that works wherever you do.

Built for everyday Nigerians who need a reliable, globally accepted debit card — simple to get, effortless to use.

Accepted at 120M+ merchant locations

Use your Classic Mastercard at any terminal or checkout displaying the Mastercard logo — from Lagos to London to Los Angeles.

Zero charges on POS & online

No transaction fees when paying at POS terminals or making online purchases — keep every kobo of your spending yours.

Real-time transaction notifications

Receive instant alerts for every debit — stay in full control of your account and catch anything unusual the moment it happens.

₦0

POS & Online Transaction Fees

24/7

ATM Access, Nigeria & Abroad

Years of Card Validity

OTP

Secure One-Time Password on All Web Payments

120M+

Mastercard Merchant Locations Worldwide

Requirements

Simple to get. Even simpler to use.

All you need is an active individual account with ProvidusUnity Bank. Walk into any branch or apply online in minutes.

Individual current or savings account with ProvidusUnity Bank. The Classic Mastercard can be linked to either or both account types.

Valid government-issued ID — International passport, driver's licence, National ID, or voter's card.

Completed card request form — available at any ProvidusUnity Bank branch or via the online account portal.

Active registered Nigerian phone number linked to your account — required for OTP delivery on all web transactions.

Variants, Fees & Limits

Two currencies. Pick the one you spend in.

The Classic Mastercard comes in a Naira and a US Dollar variant. Below are the card features, associated fees, and transaction limits for each.

The Classic NGN Mastercard is a Naira-denominated card linked to a Naira Current, Savings or Corporate Account. It offers reliable everyday payment convenience across POS, Web, ATM and Tap-to-Pay channels, and enables both local and international transactions with an international spend limit of up to USD 1,000 per month per cardholder.