GCB Visa Card FAQs
1. What is Visa?
Visa is the brand name for a global payment network enabling the use of electronic currency instead of cash and cheques.
Visa provides world-class payment solutions that make it easier for consumers to purchase goods and services.
2. What type of Visa card is GCB Issuing?
GCB is issuing Visa Debit Classic Chip card.
Whenever the Visa debit card is used to make purchases or for cash withdrawals, funds are deducted directly from your account. You spend or withdraw what is in your account.
3. How does GCB Visa Classic Debit Chip Card work?
The GCB Visa Classic Debit Chip Card can be used to make withdrawals on all Visa branded ATMs. It can also be used to make purchases locally and internationally on Point of Sale devices at retail outlets (such as grocery stores, petrol stations, retail stores, and restaurants) that accept Visa cards.
4. Do I need a new card to withdraw cash or make purchases abroad?
No, withdrawing cash in another country with the GCB Visa card is exactly the same as it is at home. The GCB Visa Cardholders will use the same card and the same PIN, but the ATM will dispense the local currency of that country.
5. How is a Visa Debit card better than cash?
• More convenient — Using your Visa Debit card is fast and easy. Access your funds 24/7 and make purchases at millions of locations worldwide that accept Visa cards. You don't need to keep cash on hand — so you make fewer trips to the ATM.
• More secure — Visa monitors your transactions 24 hours a day to help prevent, detect and resolve fraud on your Visa card.
• Better record keeping — Your Visa Debit card transactions are automatically deducted from your account. Your account statement provides full details of your purchases, including, date and amount. You'll enjoy money management you don't get using cash.
• Chip and pin security features are present on the card
• 24 hour Call Centre support is available
6. What will be required to obtain a GCB Visa Card?
Pick an application form from any GCB branch or download form from www.gcb.com.gh
Complete the form and submit in any GCB branch
Branch will contact you to pick up your card and PIN
7. How long does it take to get a Visa Card?
It takes a maximum of 10 working days
8. Will I be charged for using my card?
No, it is FREE to use your card on GCB ATMs. However, using your card on other banks' ATM may attract fees.
9. Can I use my Visa card on other banks' ATM and POS terminals?
Yes, Visa card can be used on all GCB ATM & GCB POS terminals and millions of other Visa branded ATM and POS terminals worldwide.
10. Can another person use my card?
No, the card is to be used solely by you.
You do not however, have to keep your card and PIN together. Memorize your PIN and destroy the slip. Always keep your card safe just like cash.
11. Can Joint account holders have two(2) Visa Cards?
Yes, Joint account holders can have two GCB Visa Debit Chip cards with two separate PINs
12. What happens when I lose my Visa Card?
When you lose your Visa cards you have not lost your money because your money stays in your account. But as a matter of high importance you have to report at any GCB branch or call the Electronic Banking Center: on +233 (0)302 24 6025 immediately.