Access Bank Ghana RC 125384

Visa Prepaid Card Application Form

GUIDELINES TO OPENING PREPAID CARD

Thank you for choosing Access Bank Ghana. Please fill all the required information below to enable us serve you better. Our Prepaid
card is designed to enable you manage your funds better and to provide you added security. You can use this card to withdraw Affix Recent Passport
fu nds from ATMs; make purchases online, at POS terminals and make withdrawals locally and internationally.

PERSONAL DETAILS

Date of Birth
Name:
Surname: Middle Name: First Name:

Residential Address
House No. Address 1 Address 2

Address 3 Town/City State Country

Nationality Business Occupation Mother’s Maiden Name

Office Phone/Fax Home Phone Mobile Phone

Sex Male Female Marital Status Married Single Form of Identification

E-mail Address Int’l Passport National ID Driver’s Licence

Others (Specify)

Identity Number: Identity Issuing Date: Identity Expiring Date:

CARD INFORMATION

Please tick to indicate your preference.

I certify that I have read and agreed to the terms and conditions of this service
D INFORMATION
GHS

Signature Date

Collecting Branch
FOR BANK USE

CCO Name: Branch: Date:

Prepaid card Acc Number: Signature:

Documentation Checked: Yes No
 Terms and Con di t i on s
DEFINITIONS
10 Account Closure and your Right to Cancel
“Account” means the prepaid account opened by Access Bank in the name of the Cardholder or Cardholder. 10.1 T h e cardholder has the right to withdraw from this agreement at anytime. To cancel/close the cardholder
account the cardholder needs to write to Access Bank enclosing card issued cut in half.
“Account Opening date” means the date in which the Cardholder opened the account by purchasing a 10.2 F o l l o w i n g receipt of your card, Access Bank will wait 30 days for transactions to be processed. Once
all transactions and fees have been deducted, any balance on the card will be returned t o the
card. “Visa Prepaid card” means the card issued to the cardholder by Access Bank. cardholder. A cancellation fee may apply.
10.3 I f the card has had no transaction for a period of at least one year and it has a zero balance, Access Bank
“PIN” means the unique personal identification number which Access Bank provides to the cardholder to reserves the right to cancel the card.
authorise transactions and to withdraw cash from an ATM or POS terminals. 10.4 I f the card is misused, or Access Bank suspects misuse of the card, Access Bank reserves the right to cancel
the card without furt her notice to the cardholder.
“Reload” means to add money to your Account.

“We” means Access Bank Ghana. 11 Protecting the Cardholder’s Personal Data
11.1 A c c e s s Bank will process and retain cardholder's personal data in order to open, administer and run your
“Cardholder” means the person to whom or for whose use the Visa prepaid card is issued by Access Bank. . prepaid card and to deal with any enquiries the cardholder may have.
11.2 The cardholder hereby consents t o the disclosure by Access Bank of information abo u t his/her card to any of
1 Fees and Charges Access Bank's local or foreign branches, any subsidiary of Access Bank or law enforcement agencies or to a court
All fees and charges relating to the card are detailed in the welcome pack and form an integral part of these of competent jurisdiction or for the purpose of verifying the authenticity of any documents submitted by the
terms and conditions. cardholder.
11.3 I f Access Bank suspects that it has been given false or inaccurate information; Ac c e s s Bank may record
2 Applying for A Prepaid Visa card its suspicion together with any other relevant information.
2.1 Access Bank will require proof of cardholder’s identity.
2.2 T h e cardholder must apply by completing a form at any Access Bank branch.
2.3 Access Bank reserves the right to refuse to issue or activate a Visa prepaid card. 12 Liability
12.1 If something which Access Bank is not reasonably able to control, including but not limited to defects relating
3 Activating Y o u r Prepaid Visa card to the card, stops or delays Access Bank from doing something it is supposed to do under these Terms and
3.1 To activate the card, the cardholder must change PIN at any Access Bank Ghana ATM to activate the card.. Conditions, Access Bank will not be responsible for any loss which the cardholder may suffer.
12.2 If the cardholder is affected by something which is Access Bank's fault, Access Bank will only be responsible
3.2 Access Bank reserves the right to terminate this agreement immediately if the cardholder does not activate his/ for the loss the cardholder suffers as a direct result up to a maximum of the balance on the cardholder's
her card within 90 days of card issuance. account and not for any indirect or consequential losses or other loss e.g. loss of reputation.
12.3 If the cardholder has acted fraudulently, the cardholder will be responsible for all losses on his/her card. If the
cardholder acts without reasonable care and this causes losses, the cardholder may be responsible for the
4 Reloading the Visa Prepaid card losses.
4.1 The minimum opening amo u nt the cardholder can load on his/ her card is GHS20 (twenty Ghana cedis 12.4 Provided the cardholder has not acted fraudulently or without reasonable care, the cardholder will not be liable
4.2 Details of how to reload are available in the welcome pack provided with the card. We reserve the right to for any transaction or fees incurred in cardholder's account if (a) the card is used before the cardholder's receipt
decline any reload and alter the minimum and maximum reload amounts from time to time. of the card, or (b) someone else uses the card 60 minutes after you report it lost or stolen.
4.3 Fund reloads to the card can be done at any of Access Bank's branches or by AccessOnline. Kindly contact 12.5 In the event that the cardholder does not use his/her card in accordance with these Terms and Conditions or
Access Bank for more information Access Bank finds that the cardholder is using the card fraudulently, Access Bank reserves the right to charge
4.4 Funds in the cardholder's card shall not earn interest. the cardholder for any reasonable costs that Access Bank incurs in taking action to stop the cardholder using
this card and to recover any monies owed as a result of the cardholder's activities.
12.6 Access Bank accepts no responsibility or liability for the goods or services that the cardholder purchases with his/
5. Making Transactions from Your Account her card or for any product or service discounts arising from the purchase of his/her card.
5.1 The cardholder can use his/her card with the PIN to withdraw cash from ATMs. The cardholder may also be 12.7 Access Bank accepts no responsibility or liability for a merchant refusing to honour a transaction on the card
subjected to any applicable fees, rules and regulations by the ATM or Financial Institution. Kindly contact Access or failing to cancel an authorisation.
Bank for more information 12.8 From time to time the cardholder's ability to use his/her card may be interrupted e.g. when Access Bank carries
5.2 The maximum amount the cardholder may withdraw per day via ATM will varyaccording to card type. out maintenance, for which Access Bank will incur no liability. If this happens, the cardholder may be unable (a) to
Kindly contact Access Bank for more information use the card to pay for purchases o r obtain cash from ATMs, (b) to reload the card and/or (c) to obtain
5.3 The maximum individual purchase a cardholder can make will vary according to the card type. Kindly contact information about the funds available in the card and/or about your recent card transactions. The cardholder
Access Bank for more information shall notify
5.4 No third party transfer to or from the Visa prepaid card is allowed unless the transfer is from one Visa prepaid Access Bank if there are any problems using the card.
card to another.
5.5 The account number provided to the cardholder is for loading only and no other transactions.
13 Who runs the Cardholder’s Account?
6. Keeping Your Card and Pi n Safe 13.1 The Cardholder's Card is held with and issued by Access Bank Plc which is authorized as a financial institution.
6.1 Using the Visa prepaid card and PIN will be the primary way for the cardholder to take money out of Further enquiries can be done by visiting any Access Bank branch, or by calling the Contact centre on +233-244-
his/her account. 344-222
6.2 The cardholder shall keep his/her PIN safe, this means
When the cardholder receives his/her PIN, the cardholder must memorize it and destroy the notification slip.
?
T he cardholder must not disclose his/her PIN to anyone including family, friends, retailers and Access Bank's
? 14 What Happens When Cardholder’s Visa Prepaid Card Expires?
staff. 14.1 Access Bank will send a renewed Vi sa prepaid card to the cardholder’s branch based on the cardholder’s request.
T he cardholder must not write his/her PIN anywhere.
? If the renewed card is not received, cardholder should contact his/her branch or the Contact Centre.
6.3 If the cardholder suspects that someone else knows his/her PIN, the cardholder shall change it as soon as 14.2 Access Bank reserves the right to decline to issue a renewal/replacement card.
possible. 14.3 Access Bank will charge the cardholder, o n or after the date of issue of the cardholder’s
6.4 If the cardholder has forgotten his /her PIN the cardholder may call Access Bank's Contact Centre or the branch renewed/replacement card, the annual fee for the cardholder’s account.
for a PIN reset. 14.4 Access Bank will renew the cardholder's Visa prepaid card on the same pricing plan as the expiring prepaid
6.5 The cardholder must keep his / her card safe, this means the cardholder visa card.
Must not give the card to anyone else.
? 14.5 C a r d h o l d e r will be charged a cancellation fee in the event that the cardholder requests a refund of the
Must not damage or bend the card.
? remaining funds on the card once the Visa prepaid card has expired.
Must not write his / her PIN anywhere.
?

7. Reporting Lost and Stol en Cards 15 General

7.1 The cardholder must call Access Bank immediately if (a) Card is lost; (b) Card is stolen (c) Card is being used in 15.1 Access Bank will notify you of any change to these Terms and Conditions. All changes will be posted o n Access
a manner not authorized by Access Bank. Access Bank will then take action to prevent any unauthorized use. Bank's website. If Access Bank makes any other material changes Access Bank will notify the cardholder by email
7.2 The cardholder will be asked to provide his/her card number and other details to help Access Bank verify that it at least 30 days in advance, except in exceptional circumstances. If the cardholder is significantly
is talking to the right cardholder. disadvantaged by any such change, the cardholder may cancel the card.
7.3 I f Access Bank's records show that there is money remaining in the card, Access Bank will cancel the card,
issue a new one and send to the domiciled branch. 15.2 No failure or delay on the part of Access Bank in exercising any right or power hereunder shall operate as a
7.4 Until cardholder notifies Access Bank under condition above that the card is lost, stolen or at risk of being waiver thereof nor shall any partial or single exercise of any such right or power preclude any other right or
misused the cardholder shall be liable for transactions up to sixty minutes after Access Bank has received power thereunder. No waiver by Access Bank of any of its rights or powers under this Agreement shall be
notification from the cardholder that the card is lost, stolen or at risk of being misused. deemed to have been made unless expressed in writing and signed by its duly authorized representative(s).
7.5 If someone uses a card obtained from the cardholder with your permission, the cardholder will be liable for all
the transactions which took place prior to notifying Access Bank that there is danger of the card being used. 15.3 The cardholder irrevocably agrees that any legal action, suit or proceeding arising out of or relating to these
7.6 T h e cardholder will not be liable for losses on the card for transactions that may take place 60 minutes after Terms and Conditions may be instituted, at the option of Access Bank, in any competent court in Nigeria.
the cardholder have notified Access Bank us that your card is lost or stolen or is in danger of being misused.
7.7 If Access Bank knows of, suspects or wishes to prevent misuse of the cardholder’s card; Access Bank may, 15.4 If cardholder is unhappy wi t h the way his/her card account i s being run, the cardholder may contact the nearest
without notice: Access Bank branch or the Contact Centre on 01-2712005-7. Access Bank will investigate the circumstance as
Refuse to approve a transaction soon as possible.
?Cancel or suspend your right to use the card for all or any purposes 15.5 Access Bank reserves the right to terminate this agreement immediately if we suspect the cardholder has provided
?Refuse to replace the card false information on opening a Visa prepaid card account or if a fraudulent or criminal act is ascertained.
These terms and conditions will continue even if Access Bank does any of these things and Access Bank will not
be responsible or incur liability for any loss or damage the cardholder may suffer as a result. AGREEMENT
I / We have read, understood and hereby agree to be bound by the Visa prepaid card terms and conditions
8. Reporting Transaction Disputes
8.1 If a cardholder believes that any of his / her transactions were unauthorized or incorrectly posted to the
cardholder's account, the cardholder must notify Access Bank within 30 days from the date of transaction.
Access Bank will attempt to assist the cardholder with any qualifying dispute under Visa regulations.
8.2 The cardholder must attempt to resolve a transaction dispute with the merchant before asking that Access
Bank pursue the dispute on cardholder's behalf. Access Bank strongly advises the cardholder to contact the Sign:………………………………………………………………………………
merchant first as this may lead to a quicker resolution of the dispute.
8.3 Access Bank may send the cardholder a dispute declaration form which must be completed in full for Access
Bank to assist the cardholder with a transaction dispute.
8.4 Access Bank will not refund any sums if the cardholder has not taken the precautions set out in these Terms
and Conditions, in particular.
8.5 T h e cardholder will not receive a refund until Access Bank's investigation is complete. If the disputed transaction
is refunded t o the cardholder, it may be later deducted if Access Bank receives information that proves that the
transaction was genuine and correct. If Access Bank's investigation discover that the disputed transaction was
genuine and authorised by the cardholder then the cardholder's account will be debited else reversal is done.

9 Advising Change of Name, Address or Contact Details

9.1 It is the cardholder's responsibility to notify Access Bank within 14 days of any changes to the cardholder's
name, address and any other applicable contact details such as e-mail address or contact telephone number
so that our records are accurate, complete and up to date. The cardholder will be liable for any fraud that
directly results from any failure to advice Access Bank.
9.2 The cardholder can notify us at any Access Bank branch or by calling the Contact centre.