Topup your wallet with a virtual bank account

Top up your Cardtonic wallet easily when you create a virtual bank account.


Why you need a virtual bank account with Cardtonic?

With Cardtonic’s Virtual Bank Account, topping up your wallet is seamless and accessible. Here are a few things to look forward to:

Instant Account Opening

With Cardtonic, you can open an account from the comfort of your home. There’s no need to wait in long queues or fill out long forms.

No Maintenance Fees

Your money is your money, period. There are no fees attached to your virtual bank account on Cardtonic. However, there are inflows fees.

Safe and Secure

Your funds are our top priority. You can fortify your wallet with multi-factor authentication to safeguard your info.

Quick Transactions

With just a few taps, you can send money to anyone nationwide and they immediately receive it. No time to waste time!

How to open a free virtual bank account on Cardtonic (Video Guide)

Frequently Asked Questions

How to open a free virtual bank account in Nigeria?

You can open a virtual bank account right from your phone in a few taps. You can go through our simple guide to get started.

Why do you need my BVN?

We require your BVN just to confirm your identity and keep everything secure. Don't worry; your information is safe with us!

Is my money safe in the Virtual Bank Account?

Yes, the security of your funds is our top priority. Cardtonic employs robust encryption and multi-factor authentication to safeguard your personal and financial information.

How can I access my Virtual Bank Account statements and transaction history?

You can conveniently access your account statements and transaction history through the Cardtonic app or website.

What should I do if I need help with my account?

If you require assistance, our dedicated customer support team is readily available to assist you with any inquiries, concerns, or problems you might encounter.

What do I need to open a Cardtonic virtual bank account?

We’ll require basic personal information like email, phone number, and BVN. We'll guide you through the simple account opening process—no complex forms to fill out.

Are there any maintenance fees for the virtual bank account?

No, there are no maintenance fees for your Virtual Bank Account on Cardtonic. But there are deposit fees.

Does Cardtonic provide a Virtual Debit Card?

Yes, you can create a virtual dollar card for easy online and in-store spending.

Is there a minimum balance?

Nope, there's no minimum balance required.

Is Cardtonic a bank?

No, we’re not a bank. Our virtual bank account service is provided by a third-party partner with adequate licenses to provide such service.