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Citadele Card

A card that spends from the account that pays you interest.

Verve debit card, delivered to you, with a freeze switch in the app and no monthly fee.

Order a cardSee all rates

₦1,500once, then nothing each month

₦1,500
one-off, for the card
₦0
a month to keep it
3–5 days
to be delivered
Instant
freeze from the app

How it works

How Citadele Card works

Four steps at the most, and none of them involves a branch.

  1. 1

    Order it in the app

    One screen. It is delivered to the address you give us, anywhere in Nigeria, in three to five working days.

  2. 2

    Activate it with your phone

    Tap activate, set your PIN. It works at any ATM and any POS terminal in the country.

  3. 3

    Freeze it the second it goes missing

    One switch in the app, taking effect immediately. Unfreeze it just as fast when it turns up in the other trouser pocket.

  4. 4

    Set your own limits

    A daily spend limit, and separate switches for ATM, POS and online. If you never shop online, turn it off.

In the app

This is Citadele Card, as you will actually see it

Not a screenshot. Everything in this phone is the same code the app is built from, drawn live in your browser.

Get the appOrder a card

Your card

cardDebit

Card ending 4417

Ngozi OkaforExpires 09/29
Freeze
Details
Limits
Spent this month₦184,200
Daily limit₦500,000
Online paymentsOn

On this card

Shoprite IkejaPOS · 3 Aug-₦24,800
Total filling stationPOS · 2 Aug-₦15,000

What you need

  • A Citadele account.
  • A delivery address in Nigeria.
  • Your NIN, which the CBN requires for a card.

Every deposit with us is insured by the NDIC. You do not apply for that cover and you are not charged for it.

Order a card

Rates and limits

Card issue
Once, including delivery
₦1,500
Monthly fee
₦0
Daily ATM limit
Adjustable in the app
₦200,000
Daily POS limit
Adjustable in the app
₦500,000

What it costs

Withdrawal at a Citadele agent
Free
Withdrawal at another bank’s ATM
After the first three each month
₦35
Card replacement
₦1,500
Freezing and unfreezing
Free
PIN change
Free

Questions

The things people ask before they start

If yours is not here, call us on the number at the bottom of this page and a person will answer.

Freeze it in the app — one switch, immediate, and it costs nothing. Nobody can spend on a frozen card. Then order a replacement if it does not turn up. You do not need to call us and you do not need to be at a branch.

Not yet. It is a Verve card and works everywhere in Nigeria. For online payments to foreign sites, use a virtual card, which is dollar-enabled.

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Virtual Card

Pay online in dollars without giving out your real card number.

60 secondsto create one, and you can burn it after

Learn more about Virtual Card

Everyday Account

Keep your money where it earns, and spend from it when you need to.

₦0to open, and no monthly fee

Learn more about Everyday Account

Flex Savings

Save today, withdraw tomorrow. No notice, no penalty.

12%a year, and you can still reach it

Learn more about Flex Savings

Licensed by the CBN · Deposits insured by NDIC

Open Citadele Card in five minutes, on your phone.

Your BVN, a photo of your ID and a selfie. No branch, no forms, no minimum deposit.

Order a cardTalk to someone first