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When considering all banks in Nigeria, I can boldly say GTBank internet banking platform is one of the best or should I just say it’s the best when it comes to banking on the internet with your smartphone. With their very useful features and an easy-to-use website it sure stands out from the crowd.

There are a lot of things you could do on GTBank’s online banking platform such as opening an account, BVN linking, purchase of airtime/data, payment of utility bills, requesting statements,s and a bunch of other things.

In this post, I’ll be explaining the GTBank Internet banking platform and how to go about using some of its features.

But let me start by introducing this wonderful online banking platform to you;

What is GTBank Internet Banking?

GTBank Internet or online banking is a platform where customers can perform various banking activities online without going to the bank. It is geared towards making life comfortable for customers and business owners as it saves them the time and stress of queuing up in the banking hall.

Customers who wish to access the portal should visit GTbank’s official website to get started.

GTBank Internet Banking: How to Enroll, Get User ID and Password?

To get started, you have to sign up for GT internet banking by filling out the GTB internet banking request form. You can download the GTBank e-banking form online here or walk into the nearest GTBank branch office to fill out the form.

The form can either be scanned and e-mailed to OR submitted at any GTBank branch.

In the request form, you will be required to provide your GTBank account number & name, your email address, the accounts to be profiled for Internet banking, the Internet banking services to be profiled on your accounts, etc.

Once your registration has been approved, your account will be profiled and your GTBank internet banking credentials will be sent to your account’s email address.

Your GTBank internet banking ID and password will be sent to your email once your account has been profiled for the service.

NOTE: For safety reasons, you’ll be required to change your password within 2 hours of receiving the mail.

How to Register an Account on GTBank Internet Banking

GTBank has a special online platform for opening an account using your smartphone or PC. It is called Account Opening Web Engine  (AOWE).

  1. To begin go to – it’s the Account Opening Web Engine.
  2. You will be greeted  with the following options:
  • Open a personal account now
  • Open a business account now
  1. Click on one of the options. But for this post, I’ll be focusing on the ‘personal GTB account‘. Once you click the select that option, you will be redirected to a new page.
  2. You will find these two options:
  • Open a new account (if you don’t have an existing GTB account).
  • Open an additional account (if you’re looking to open another account)
  1. Choose which type of account you wish to open with Guaranty Trust Bank and the site will automatically update the application form, allowing you to add more information.
  2. It is necessary to validate BVN now. So select the account type, enter your BVN number if you have it or type one number 0 (zero) if you don’t, and click on the ”Validate” tab.
  3. It is time to add more personal details to your application, such as your full name, mother’s maiden name, date of birth, residential address, next of kin details, mobile number, email address etc. Click on  ‘CONTINUE’ to proceed with GTBank account opening online.

Congratulations you have successfully opened a new account using the GTBank internet banking facility.

How to Login to GTBank Internet Banking

If you’ve just opened an account before it should be quite easy to navigate through this because the process is quite similar. You’ll need to wait for a specified range of time to receive your new account number.

To login to your GTbank Internet Banking, you will need your User ID and Password which I’m sure you have them either in a safe diary or in your brain.

  • Go to
  • Click on “LOGIN” button
  • Enter your “USER ID” and “Password
  • Login successfully.

Note: Always clear your browsing history after every login to your GTBank Online Banking account.

If you’ve gotten your account number it’s now time to begin using your account. I’ll be sharing some things you can do on GTBank online banking platform.

How to Transfer Money on GTBank Internet Banking

With GTBank Internet banking, you can transfer money between your various accounts e.g. from current account to savings account; to any other GTBank account and to other Nigerian banks accounts.

  • Visit and click on login

NOTE: When logging in, the keypad changes each time the page is refreshed for your security online.

  • Click on the “Account Transfer” tab on the sidebar, you can use the “Own account transfer” link to transfer between your accounts. Right there, you will also see the links to transfer to another GTBank account and other banks (Instant).
  • A transaction code will be needed to complete some transactions via GTB internet banking. Example: Transfer to any GTBank account, Transfers to other bank accounts etc.
  • You can generate those transaction codes by making use of  GT Token hardware.

You can get a hardware token at any GTBank branch at a cost of N2,100.

This token will be used in authorizing your transactions on the online platform only.

How to Buy Airtime Using GTBank Online Banking

You can purchase airtime on the go using GTBank internet banking.

  1. Login into your account by typing in your ‘User ID‘ and ‘password‘ in the required tab
  2. On the left side bar click on “Self Service”
  3. Select “Add Services

A new page would be displayed to you which would bring out a list of numerous services that you can add to the transactions you perform on the internet banking platform.

  1. From the list of services select “Airtime Purchase” and tick it.
  2. After you must have finished ticking, scroll down to the button, input the answer to your security question in the field provided and click on continue.
  3. You’ll be taken to the top of the screen, where you’ll see a field to enter the transaction code generated from your Hardware Token You can get the code by clicking on the white button of your hardware token.
  4. When done click on ‘SUBMIT‘ and wait for the transaction to be successfully completed.

How to Buy Data on GTbank Internet Banking

Buying Data on GTBank internet banking platform is similar to buying airtime.

  • Follow steps 1 – 3 above and select ‘Data’ from the list of services.
  • Continue with steps 5 – 7 above to buy data.

How to Check Your Account Balance on GTBank Online Banking

  • Login to your internet banking platform
  • Click on check account balance

Your account information will display right on your screen

How to Contact customer care on GTbank Internet Banking

You can chat with a online customer service representative using the GT Bank online banking website.

  • Visit GTBank website >>>
  • Scrolling down through the page you’ll see an icon named ‘Chat‘. Click on it
  • Login using your account details. You can also login with either Facebook or Google account.
  • Type in your phone number and message
  • Click on send a wait for a response from the next available agent.

So there you have it, banking made easy with GTBank internet banking solution.

It’s a unique experience using the platform, if you’ve not enrolled for online banking what are you waiting for?

If you have any question pertaining to this wonderful banking platform in Nigeria, kindly let me know in the comment box below. And please, don’t forget to share this article with your friends using the social media buttons below.


Stephen is a Frontend engineer, technical writer, owner and part-time blogger here at Gbolamedia, incoming data scientist, an enthusiastic cynophilist, and a curious introvert. Stephen is currently available for full-time, part-time or contract-base role. Contact him here: on WhatsApp or check him on Linkedin



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    Chipper Cash vs PayDay — Which one should you choose?



    Chipper Cash vs PayDay – Who do you think will win?

    I know that you have heard about these two platforms before now and might have used one or two of them. In this head-to-head review, we will compare the two famous dollar and virtual card providers, Chipper Cash and PayDay, to help you determine which one is better suited for your needs. 

    We will examine various aspects such as usability, fees, features, and customer support to provide you with a comprehensive analysis.

    Kindly note that this is just a blog post from my personal experience and what I see on social media, not sponsored content by any of the companies I’m reviewing here.

    If we’re clear on that, let’s start.

    #1. Usability

    Of all features that make an app stand out, Usability is very important and this means how easy it is for users to navigate the app.

    Chipper Cash has a very basic design and experience, while PayDay has the nicest design and it’s very easy to navigate.

    A use case for why this is important:

    Chipper Cash would never show you the exchange rate unless you want to “Send” or “Request” funds, which you’re not likely to see. But on PayDay, you know how much a dollar costs before a purchase.

    And another use case on this usability part is the overview screen which is (normally) meant to show your recent activities or overview of what you can do. 

    Winner: PayDay.

    #2. Fees

    Every human is a business person by nature, so in most cases, we tend to look for the cheapest option and such happens when it comes to choosing a Dollar or virtual card provider.

    A lot of people complain that Chippers Cash has the most expensive exchange rate and this seems to be true.

    For instance, as of yesterday, I bought a dollar on PayDay at ₦742 while it cost ₦781.

    But before we agree that Chipper Cash is not the “cheaper”, let’s break down the rates.

    To create a VISA or Mastercard virtual card on PayDay, you’ll pay $5 as a creation fee while you’ll pay ₦2,000 on Chipper Cash.

    And before you can buy anything with dollars on PayDay, you have to swap the naira in your wallet for a dollar, then top up your card… They charge 0.5% of how much you’re swapping (maximum of $5).

    PayDay Swapping Fee

    While you don’t pay any swapping fee on Chipper Cash.

    Let’s assume I need a virtual card of $10, here is the breakdown:

    For PayDay:

    • Creation fee – $5
    • Top up – $10
    • Swapping fee – $0.075 (0.5% of $15)
    • Total ⇒ $15.075

    This converted to Naira in PayDay’s rate would be: ₦742 x 15.075 => ₦11,185.65

    For Chipper Cash:

    • Creation fee: ₦2,000
    • Top up: $10
    • Total: $10 + ₦2k

    Let’s convert this to Naira in Chipper Cash’s rate: (₦781 x 10) + ₦2,000 ⇒ ₦9,810

    It’s clear that Chippers Cash is “cheaper” but for the first time, you are creating the card.

    If you already have a card but want to top up, PayDay is cheaper but the difference is not up to ₦40 (781 – 742).

    In this case, there’s no winner.

    Winner: Draw

    #3. Customer support

    Because we are human and we are not perfect, what we manufacture, create, or produce as well will not be perfect. 

    That’s why there is customer support for businesses in case things go south and this is very important if you’re thinking of choosing a Dollar or virtual card provider.

    PayDay has the worst customer service, although they’re active on Twitter busy creating awareness for the product, but put zero to meager effort into their customer support service.

    I once had an issue on February 16, I sent them a message but they replied on March 2nd… that’s 2 weeks!

    PayDay Customer Support

    The recent issue I have with them which I’ll explain later took them 18 hours to send an “automated” response and since then, I’ve not heard anything from them and the issue hasn’t been solved. They immediately close the conversation without resolving it.

    The evidence of their poor service is on Twitter, just visit their page to enjoy the comments.

    Chipper Cash, they have a faster response rate when it comes to Customer service… I had an issue creating a dollar card and I reached out on Twitter, immediately I received a response and the issue was solved before I see the response.

    And I’ve not yet seen any trend where people complain about Chipper Cash’s support.

    Winner: Chipper Cash.

    #4. Success Rate

    Still, on the imperfection, anything can happen at any time but you definitely don’t want to put your money on a platform that’s more likely to fail.

    To be frank, Chipper Cash has the highest success rate while you may need to go to the nearby mountain to pray and fast before using PayDay.

    This is the top reason why a lot of people are trying to contact PayDay’s support and I think the messages are too much for their support to handle.

    I personally have an ongoing issue with them. I want to renew my domain names and I decided to use PayDay, I deposited some Naira, swapped to USD, and decided to get a virtual Dollar card with $34.74.

    I expect PayDay to deduct the Money, give me a dollar card with $29.74 as a balance, and remember their $5 card fee.

    I tried to buy the card, no response if it failed or it’s successful, I guess it’s a service… I keep on trying until I’m tired.

    So I checked my balance $15 has been deducted ($5 in 3 times).

    PayDay Deducts Money

    I had no idea why because up till now, no card has been issued to me… I had $19.74 left which I quickly sent to my Chipper Cash before PayDay got angrier.

    I top up my Chipper cash with some Naira, purchase my dollar card and I got it immediately

    Up till now, PayDay hasn’t issued the card to me or refunded me. People are complaining a lot about this same issue.

    The only (trending) complaint about Chipper Cash is the fee which I’ve explained already.

    Update on 16th of May, 2023

    The founder of PayDay tweeted to celebrate their milestone of having over 600k customers and I replied with my complain.


    PayDay CEO tweet to celebrate milestone

    As seen in the screenshot above, he asked for my PayDay tag and immediately, the magic happened. I got my $15 refunded!

    PayDay refunds customer

    I hope they PayDay improves on their infrastructure instead of having multiple card creation failure and refund.

    But for now, Chipper Cash wins here.

    Winner: Chipper Cash

    #5. Downloads & Reviews

    So far, I’ve been referencing my experience with both platforms and it’s high time we see how people are reacting to both apps.

    I’ve mentioned that PayDay doesn’t have good reviews on Twitter compared to Chipper Cash but let’s check the Play Store to see what the users are saying with figures.

    PayDay has:

    • 100k+ Downloads
    • 3k+ reviews
    • 2.1 out of 5 average ratings.
    • Most rated 1 stars 

    PayDay Play Store Review

    Chipper Cash has:

    • 5M+ Downloads
    • 109k reviews
    • 4.1 out of 5 average ratings
    • Most rated 5 stars.

    Chipper Cash App Review

    This is evident that average people would prefer to use Chipper Cash instead of PayDay.

    Now, I’m not talking about the number of downloads or reviews, but the average ratings… That shows how satisfied customers are.

    Winner: Chipper Cash

    #6. Downtime

    Most of the time, we want to get something done as quickly as now. This is why I include this point to let you know how far.

    Currently, Chipper Cash is down and I’ve updated the app maybe it’ll be resolved but still down… imagine if I need to pay for something now and Chipper Cash is my only option, my faith on candle sticks.

    Chipper Cash downtime screenshot

    People complain about this, but to be honest it’s not like that every day as it’s mostly working… I would say the uptime is around 95%.

    I have never seen a PayDay app crash or have downtime and people don’t complain about that as well.

    Winner: PayDay

    Conclusion: Chipper Cash vs PayDay –Which one is the best?

    In the battle between Chipper Cash and PayDay, both platforms offer impressive features and services. PayDay stands out for its user-friendly interface, app’s uptime, and lower exchange rate, while Chipper Cash excels in Customer support, success rate, and user feedback. 

    Ultimately, the choice between the two dollars or virtual card providers depends on your specific needs and preferences. 

    I recommend you assess the fee structures, available features, and usability of both platforms to make an informed decision that aligns with what you need the platform for.

    As mentioned earlier, this is not a sponsored post but an honest review from my personal experience and the trend on social media platforms.

    If you think something is missing or would like to drop any feedback regarding your experience on any of these apps, kindly use the comment box as it’ll be helpful to everyone reading this blog post.

    Don’t forget to share if you think this review is good enough, for people to be informed.

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    5 Best Dollar and Virtual Card Providers in Nigeria



    Are you a Nigerian but it’s quite difficult to make international payments online? What you need is one of these dollar or virtual card providers!

    As the world is becoming a global village, the way we make payments is also changing, and thanks to Technology for that. We have the likes of PayPal, Square, Venmo, and gift cards that make payment so fast and easy for people in developed countries like the United States.

    But in some African countries like Nigeria, it’s a very different story as nothing seems to be working for us when it comes to making borderless payments.

    A few months ago, we received announcements from the banks that our Mastercard and VISA would be unable to pay for international transactions.

    So, does that mean we should stop shopping on Amazon, eBay, or on any international sites?

    In Nigeria, many people are turning to the dollar and virtual card providers to meet their international payment needs.

    Here are the top 5 dollar and virtual card providers in Nigeria

    #1. Chipper Cash

    Chipper Cash is a mobile payment platform that allows users to send and receive money across Africa. The platform also offers dollar and virtual card services to its users. With Chipper Cash, users can easily create and link a virtual card to their account. 

    In addition to its dollar and virtual card services, Chipper Cash also offers a range of other features, including the ability to buy airtime, pay bills, and save money. The platform is available for both Android and iOS devices, making it accessible to a wide range of users.

    Many users complain that the Chipper Cash exchange rate is higher than other card providers, but they all agree that the card works anytime and any day, which is still good, I mean, we don’t have a choice for now.

    To get started with Chipper Cash, visit their website at

    #2. PayDay

    PayDay is another popular dollar and virtual card provider in Nigeria. The platform offers a range of payment solutions, including virtual cards, and foreign accounts. With PayDay, users can easily create virtual cards and use them to make online purchases.

    In addition to its dollar and virtual card services, PayDay offers a range of other features, including the ability to send money and receive payments. The platform is available for both Android and iOS devices, making it accessible to a wide range of users.

    Elon Musk’s company, Starlink recently choose PayDay as one of their payment processors in Nigeria which is a huge partnership proving that PayDay gat some levels too.

    Oh, of all the platforms listed here, PayDay has the best User Interface, well maybe this is not valid but I love the design personally.

    To get started with PayDay, visit their website at

    #3. Cardtonic

    Cardtonic is a platform that allows users to buy, sell, and exchange gift cards, as well as provide dollar and virtual card services. The platform offers competitive rates for its services, making it a popular choice for those who need to make international transactions.

    Cardtonic also offers a range of other features, including the ability to buy and sell Bitcoin, pay bills, and transfer funds.

    How does it work?

    Let’s say you want to buy an item that costs $200 on Amazon, You can head over to Cardtonic to buy an Amazon gift card of that amount, and you’re good to go.

    The platform is available for both Android and iOS devices, making it accessible to a wide range of users.

    To get started with Cardtonic, visit their website at

    #4. Barter by Flutterwave

    Barter is a virtual card service provided by Flutterwave, one of the leading payment platforms in Africa. The platform offers a range of payment solutions, including virtual cards, physical cards, and dollar accounts. With Barter, users can easily create virtual cards and use them to make online purchases.

    In addition to its dollar and virtual card services, Barter offers a range of other features, including the ability to pay bills, send money, and receive payments. The platform is available for both Android and iOS devices, making it accessible to a wide range of users.

    To get started with Barter by Flutterwave, visit their website at

    #5. Flip by Fluidcoin

    Flip is a virtual card service provided by Fluidcoin, a cryptocurrency exchange platform. The platform offers a range of payment solutions, including virtual cards and dollar accounts. With Flip, users can easily create virtual cards and use them to make online purchases.

    In addition to its dollar and virtual card services, Flip offers a range of other features, including the ability to buy and sell Bitcoin, pay bills, and transfer funds. The platform is available for both Android and iOS devices, making it accessible to a wide range of users.

    To get started with Flip by Fluidcoin, visit their website at

    Enjoy Cross-border with Virtual card providers in Nigeria

    The rise of digital payment platforms has made it easier for people to transact across borders. The dollar and virtual card providers listed above offer a range of payment solutions that make it easy for Nigerians to make international transactions. 

    These providers offer competitive rates and a range of features that make them a popular choice for those who need to send and receive money across borders.

    I will advise you to get 2-3 of these card providers in case one fvck up. I have  5.

    Which of these providers have you used before? Mind sharing your opinion? Okay, you have the floor in the comment section.

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    Kuda Overdrafts: Eligibility and How to Qualify to Borrow Money from Kuda Bank



    You’ve heard the popular anthem on YouTube, Streaming apps, or where that says: “No shame in borrowing when you can easily take Kuda Overdrafts” and you wonder what’s this all about? How can I qualify to borrow money?

    I will quickly talk about that in this blog post. And I assume you don’t have an account with Kuda bank yet, but if you already have one, you can navigate to the right part for you by using the table of content below.

    What are Kuda Overdrafts?

    Kuda Overdrafts are money borrowed for a short period of time to take care of urgent issues. You can say Kuda Overdraft is a “short-term” loan, that’s how Kuda Bank describes it.

    It’s not like a loan that you have to request before it’s disbursed, but the process is automatic, hence, it is called “Overdrafts” and not technically “loan”. 

    How Kuda Overdrafts Work

    Assuming you have N50,000 on your Kuda bank, and you need to pay school fees of N100,000, you can withdraw that N100,000 to pay your school fees and your account will be -50,000 (If you are qualified already for overdrafts).

    Just understand it as the way you borrow airtime or data from MTN when you need it urgently. You don’t need to visit the MTN office or fill any form before you borrow. Once you’re a regular user of MTN, you can borrow anything on the SIM and pay on your next recharge.

    How Kuda Overdrafts Work - Image Credit: Kuda bank

    How Kuda Overdrafts Work – Image Credit: Kuda bank

    That’s how Kuda Overdrafts work – Just like using a credit card in foreign countries).

    Learn More: What is Kuda Overdraft?

    Because some Nigerians are victims of embarrassment resulting from taking loans online, you may think that Kuda Overdraft is in that caliber of embarrassing their customers. But Kuda Bank is not!

    CHECK: Top Apps to Manage Your Finance in Nigeria

    I’ve been using Kuda Bank for a few years and I enjoy their banking service. When I qualify for overdrafts, I took it (without shame) to see if they’ll frustrate my life but till now, I’ve never been embarrassed or stalked because I borrow money from Kuda bank.

    Kuda Overdrafts Vs Other Loan Apps

    • Low interest: Kuda Bank takes a very small interest. I mean very low as 0.3% daily interest. That is just N30 daily if you borrow N10,000 – If you pay up within 10 days, you’ll pay just N300, or let’s say you pay after a month, you’ll pay just N900. Crazy. Right?
    • No Paperwork: You’re not filling any form either online or offline before you can qualify for Kuda Overdrafts.
    • No Collateral: This may sound like an invalid reason why borrowing money from Kuda Bank is the best, but it is a valid reason. Those who said they don’t take collateral are right, but they’ll use the contacts on your phone as their collateral. You gerrit?
    • No Embarrassment: As I said above, these loan apps will copy all the numbers on your contact list for special embarrassment later. Kuda bank doesn’t do this at all, you pay when you’re financially buoyant.
    • I will also say borrowing money from Kuda bank will give you peace of mind, they will never call or email you to repay. 

    To borrow money from Kuda bank is not a “squid game” unlike fake loan apps that run after people’s life. If you want to know more about these loan sharks and how to avoid them, read this blog post.

    How to Qualify for Kuda Overdrafts

    There are steps you must take before you can be able to borrow money from Kuda Bank. They are:

    1. Become a User of Kuda Bank (Register and Verify your account)
    2. Use Kuda Bank regularly (to transfer, receive, pay bills, buy airtime)
    3. You’ll qualify automatically (Again, you don’t need to fill any form)

    #1 Become a User of Kuda Bank

    All you have to do is to download the Kuda Bank app on either Playstore or Appstore (for iOS), register, verify your BVN, phone number, and email address.

    You may also need to upload your NIN slip, and you’re good to go. This is the first step to qualify for KUDA overdrafts.

    #2 Use Kuda Bank Regularly

    After becoming a user, the next step is to become a frequent user and this is what will qualify for Kuda’s “short-term” loan (overdrafts).

    But you may want to ask how often or regularly should you use Kuda Bank?

    Well. I don’t have a straight answer, but In my case, I use Kuda for 80% banking that I want to do. I use it to receive money, send money, bill data, and airtime. I don’t just keep N1,000 there, I keep most of my Naira in my Kuda bank account.

    #3. You’ll Qualify Automatically

    The system has been programmed to upgrade regular users to have access to Kuda overdrafts. So, you don’t need to request approval or whatsoever. Just use Kuda Bank regularly and you’ll get your own “lunch” from Kuda.

    PS: The first time I received a notification that I’m qualified for Kuda Overdrafts, I can only borrow N30,000 but later, I think after 2 months, I can get up to N75,000.

    I believe the more you keep using the Kuda for banking, the more they’ll increase how much you can borrow on the app.

    How To Borrow Money on Kuda App?

    On the home screen of your app, simply swipe to, or click on “Borrow”, adjust the range element to how much you need and click on “Get your Overdrafts”. That’s all.

    What the video below to see how to do that:

    Borrow Money Without Shame, Take Kuda Overdrafts

    This is the first time I will see something like this aside from borrowing from telcos. Kuda Bank is really stepping up its game and it has been a great experience for us (customers).

    I enjoy taking Kuda overdrafts without shame, no harassment, no room for getting stranded on cash. Just become a regular user, and you’ll enjoy the same experience.

    But some people do ask; what if they fail or refuse to pay back the money they borrow from Kuda Bank? Well, I don’t know what will happen, but I’m sure Kuda Bank has a way to sort it out amicably or legally.

    You can’t outsmart Kuda Bank if you’re thinking of taking the overdrafts “japa”. You can’t japa because security agencies will nab you. This is not a threat, remember I said Kuda Bank will never embarrass you like some loan sharks used to do. 

    But don’t be like those who plan to run away with Kuda Overdrafts without payment back, it’s not fair, you know.


    This post “Kuda Overdrafts: Eligibility and How to Qualify to Borrow Money from Kuda Bank” first appeared on – Do not copy without permission.

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