ATM Debit (Verve) Card

Introducing the New Face of Secured Transaction

What is the ATM Debit (Verve) Card?

The ATM Debit (Verve) Card is the new Chip & PIN Card being issued by FCMB Plc and is powered by InterSwitch. Verve is the new name of a more secure, convenient InterSwitch (ATM) card that makes transactions safer and adds convenience to everyday life.

It is a plastic card that still allows withdrawal of cash directly from your FCMB Bank Account at an ATM (Automatic Transaction Machine) and items to be purchased at stores with POS terminals and Websites with Web Payment Engines.

Why is FCMB moving to Chip N PIN cards?

FCMB is moving to Chip N PIN cards because they offer greater security and peace of mind to you.

How much does the ATM Debit (Verve) Card cost?

NGN 750.00 only for the Classic Cards

NGN 1,000.00 only for the Gold Cards

What are the main differences between Magnetic stripe cards and Chip Cards?

The major difference between a chip card and a magnetic one is that Chip cards are cards with an embedded microchip on the face of the card for greater security. The New ATM Debit (Verve) Card reduces the risk of card related fraud.

Does this mean that the magnetic stripe cards are no longer secure?

Magnetic stripe cards are secure and the chip card technology will only step up this security. We highly recommend you getting a New FCMB (Verve) ATM Debit Card

Will I still be able to use my existing Mag-stripe card?

Yes it is still accepted. You can continue to use your existing Mag-stripe card as normal until it expires and then you will receive your new Chip & PIN card. We highly recommend you getting a New ATM Debit (Verve) Card

Can I migrate from my existing Mag-stripe card to the New ATM Debit (Verve) Card?

Yes you can. Simply visit any of our FCMB Branches and fill in the ATM Card Request Form at the Customer Service Desk. The cost to migrate is:

NGN 750.00 only for the Classic Cards

NGN 1,000.00 only for the Gold Cards

 

How can I renew my Expiring/Expired ATM Card?

Simply visit any of our FCMB Branches and fill in the ATM Card Request Form at the Customer Service Desk. The cost to get your card re-issued is:

NGN 750.00 only for the Classic Cards

NGN 1,000.00 only for the Gold Cards

Where can I use my ATM Debit (Verve) Card?

With your New ATM Debit (Verve) Card, you get unbeatable reach, matchless access to cash and payment services on all channels on the InterSwitch Network. Your Card can be used on the following channels on the InterSwitch Platform: ATM, POS, WEB, MOBILE and KIOSK; basically anywhere where the Verve Logo is displayed to signify Acceptance.

What can my ATM Debit (Verve) Card do for me?

It Gives You Added Security:The Verve Card is one of the most secure Chip & PIN Card available. The Chip technology guarantees that information stored is not accessible to unauthorized persons; its other security features ensure that transactions across all payment channels on the InterSwitch Network remain secure and uncompromised.

What countries can I use my ATM Debit (Verve) Card?

For now, only in Nigeria but there are plans by InterSwitch to go outside the shores of the country.

What can I do with my ATM Debit (Verve) Card?

What currency are my transactions done in when I use my ATM Debit (Verve) Card?

Cash disbursed by the ATM is denominated in Naira in Nigeria. POS & Web Transactions are also done in Naira.

Will I need to activate my ATM Debit (Verve) Cardbefore I can use it?

Yes, you need to activate it. To activate, you need to change the default PIN given to you by FCMB via an ATM to a new PIN you remember and will keep safe.

How do I change the default PIN of my ATM Debit (Verve) Card?

What is a PIN?

PIN means Personal Identification Number. It is a secret 4 digit number that is either assigned to you by FCMB or chosen by you and is used to verify that you are the owner of the card when making a transaction. It provides enhanced security. These 4 digits will be important for you to remember. You will not be able use the ATMs, POS and other payment terminals without a PIN. You are advised to change your default PIN before your 1st transaction. Please make sure this number does not start with zero (0152), it does not use sequential numbers (1234), or have all repetitive numbers (1111).Please do not tell anyone your PIN. You should also change your PIN frequently as a good security measure

How do I use my ATM Debit (Verve) Cardto make cash withdrawals at the ATM?

How do I use the ATM Debit (Verve) Card to pay for an item on a POS Terminal?

Do I need a bank account before I can own the new ATM Debit (Verve) Card?

Yes you need to have an FCMB bank account to own a debit card. If you do not have an account, visit any of our FCMB branches nation-wide and one will be opened for you.

How do I load money on my ATM Debit (Verve) Card?

You do not need to load money on your ATM Debit (Verve) Card. TheATM Debit (Verve) Card allows you to spend only what is in your bank account. Whenever you use the card, you are subtracting money from your own bank account.

What should I do if my card is stolen?

Report the theft immediately to FCMB through any of the following:

What should I do if my card gets lost?

Same Steps as above

I just received a transaction alert that I didn’t do with my card. What can I do?

Same Steps as above

My Card got blocked by mistake, how do I get it unblocked?

What happens if I don't have any money in my account?

Your card transactions will be declined. You will have to fund your account to be able to use your card.

I receive an error when I try a transaction?

Who can I talk to for enquiry or complaint?

You can also speak with your account officer or send a mail to This email address is being protected from spambots. You need JavaScript enabled to view it.

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