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DIAMOND NAIRA
VISA DEBIT CARD
Overview
The Diamond Naira Visa Debit Card is an international payment card issued by Diamond
Bank in partnership with the VISA Card Association. It is denominated in Naira, but can also
be used to make purchases for goods and services both locally and in other major
currencies of the world on ATM, POS and online.
Worldwide acceptance means you can pay for goods
and services at over 29 million Visa merchant
locations and over 1.9million ATMs in more than 210
countries.
The Diamond Naira Visa Debit Card is linked online real-time to your local Current or
Savings account and is for electronic use only. For every transaction you perform with your
card, you will receive an instant notification which can help you monitor your account
24/7.
1
Inside
Everywhere you go
3
Features
4
Who Qualifies
5
FAQs
6
Card Fees & Transaction Limits
7,8
Important Tips
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Everywhere you go
Diamond Naira Visa Debit Card is linked to your Naira account with Diamond Bank and it
can be used to pay for goods and services anywhere in the world from your local Savings
or Current account. It is your money on the go and you can use it for your purchases on
POS, merchant online sites or just to withdraw cash from any Visa enabled ATM anywhere
in the world.
Features
All transactions are PIN protected.
Cardholder's name, card number and expiry date are printed on the front side of the
card.
Card is valid for 3 years.
The 3 digit Card Validation Value (CVV2) is printed on the reverse side of the card,
beside the signature panel.
Why Diamond Naira Debit Card?
24 hours easy access to your money from over 1.9million ATMs worldwide.
Accepted globally for payment of goods and services at over 29million merchant
locations worldwide (hotels, supermarkets, online stores, airlines etc).
Provides safety which eliminates the risk and inconvenience associated with carrying
cash.
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Security – Your Diamond Bank Naira Visa debit card is protected by the most secure
technology for card transactions – CHIP and PIN enabled.
All transactions come with audit trail, meaning you can review and confirm your
transactions later from your account statement.
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Frequently Asked Questions (FAQs)
Your frequently asked questions answered
Always keep your card safe and secured
Who qualifies for a Diamond Naira VISA Debit Card?
Existing customers of Diamond Bank with functional Savings or Current accounts will
get the card on request and with the completion of an application form.
All new customers who open a savings or current account with Diamond Bank with a
completed debit card application form.
How do I get a Debit Card?
It is as simple as walking into any Diamond Bank branch nearest to you to request for your
Diamond Naira Visa Debit Card. All existing Savings and Current account holders will be
issued with the card upon completing the Debit Card application form, while new
customers will need to open a Savings or Current and complete a Debit Card form, Card
will be ready within 3-5 business days. The Debit Card application form can be
downloaded from our website: www.diamondbank.com
How does my Debit Card work?
The Diamond Naira Visa Debit Card does not offer a credit line to the cardholder, it is a
debit card that is linked to your Saving or Current account and can only permit
transactions based on the available funds in your account. All transactions are online real
time; so you will receive transaction notifications for every purchase and withdrawal made
with the card.
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FAQs
Does my card require activation before use and what is my PIN?
Yes, to use your card you must activate it by changing the default PIN to your transaction
PIN at any Diamond Bank ATM nearest to you. Your Debit Card transaction PIN is a 4 digit
number that authenticates your transactions by giving you access to your account.
How do I avoid fraudulent transactions on my card?
Your PIN is the signature required for all your card transactions and as such should be
kept secret and private; do not share with a third party. Always keep your card safe.
Don't allow your card to go out of sight when being used for a transaction at merchant
locations.
What happens to my account when my Debit Card is lost or
stolen?
Your money is safe, you are required to report any lost or stolen cards immediately to the
nearest Diamond branch or by calling 0700 300 0000. You are also required to call this
number if you have any difficulty using your card abroad or locally. This number is
written on the reverse side of your card as well as in the welcome letter that come with
your card.
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FAQs
Can I use my Debit Card to make Payments Online?
Yes. Your Diamond Debit Card is accepted across all channels: ATMs, POS machines as
well as the internet for payment of goods and services both locally and internationally
.
What are the likely reasons why my card transaction may be
declined?
When you don't have sufficient funds in your account to carry your transaction
When you enter a wrong card PIN
If your card is not activated. Please check page...to find out how to activate your card
When you have exceeded your daily withdrawal limits. Please check card fees and
transaction limits on page...
Are there tips to note when using my card abroad?
Yes. These are likely experiences you may have while trying to use your cards abroad as
different merchant categories adopt different acceptance methods peculiar to their type
of business.
Most restaurants may carry out a balance check on your card to ensure that you have
enough money to cover your bill.
When you are checking into a hotel take note of the fact that accommodation bill
amount may be put on "hold" which means that you cannot use the blocked amount
for other transactions while in the hotel.
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Card Fees & Transaction Limits
Features
Fees
Joining Free
N1,000
Validity
3yrs
Transaction Charges POS & Web Int'l
FREE
Transaction Charges POS & Web Local
FREE
ATM Withdrawal Charges Int'l
N240
Anniversary Fees
N100
POS Cash Advance Int'l
N750
ATM Daily Limit
International: $1,000. (N150,000)
Local: N150,000*
POS & WEB Daily Limit
International: $10,000 (20 times)
Local: N200,000*
Web Daily Limit
$5,000 (5 times)
Card Re-Issue/Replacement
N1,000
Pin Reissue
N250
Annual Spend
$150,000
* Subject to limit extension based on your request
Other complimentary services
Verified by VISA: VbyV lets you create your VISA card internet PIN thereby granting you added
security and protection with the reassurance that you alone can use your card online or
approve each purchase online with your own secret password.
VISA Notification Service: VNS delivers SMS alerts to your mobile phone prompting you of any
transaction effected with your card. This is delivered to the preferred mobile number you listed
on your application form.
VISA Account Statement: Monthly e-Statement will be delivered to the preferred email address
listed on your application form.
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FAQs
Can I make payments in other currencies as my card is
denominated in Naira?
Yes. Your Diamond Visa Debit Card can be used for payment at any merchant location or
ATM globally irrespective of the currency of denomination. Visa currency conversion
system will apply for transaction request involving a different currency denomination.
.
What is CVC/CVV2 Code?
CVC/CVV2 Code [Card Verification Code] is used for WEB transactions only. It is used to
authenticate your transaction. That is the last 3 italic digits of a 7digits number behind your
card. For some cards the digits behind are only 3.
What details do I require to carry out Online Transaction?
You would require the following details to carry out online transactions.
What you require
A Brief Descriptive
Cardholder Name:
Exactly as it is written on the card e.g. Ikenna
Ayodele Usman
16 Digit number in front of your card
Date is below your card number and above your
name
Behind your card – 3 digit code in italics
Ensure it's the same address you supplied during
card application
Your choice
Second level security code for online
transactions .
Card Number:
Expiry Date:
CVV2 Code:
Billing address:
Shipping address:
VbV:
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Keeping Your Money Safe
Safeguard Tips
Keeping your money safe means keeping your card safe. Treat your card
like cash and DO NOT allow your card to be taken out of your sight.
Memorize your PIN.
Ensure that the PIN pad is not exposed when entering your PIN.
NEVER share your PIN with ANYONE and that includes the police, EFCC,
your bank staff or account officer.
Ensure you do not choose a number that someone else can easily guess
or imitate.
Report any lost or stolen card immediately
Always keep Diamond Bank Contact Center number with you in case
you need to stop your card (07003000000)
Is it safe to shop online with your card?
Yes, it is safe to buy online. Visa offers additional security and protection for
cardholders through the EMV Chip and PIN technology. In addition, Verified
by Visa (VbV) is a new service that will let you use a personal passcode with
your Diamond Bank Naira Visa Debit Card, which gives you added assurance
that only you can use your VISA card to make purchases on the internet.
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How to Use Your Card
Step 1
Look: You can use your Diamond Visa Debit Card at Merchant locations anywhere in the
world where you see the Visa acceptance sign.
Step 2
Choose: Choose your purchase items you would like to buy and take them to the
cashier counter.
Step 3
Insert or Swipe: When
you want to make payment for your purchases, hand the
cashier your Diamond Debit Card instead of cash. The cashier will swipe or insert your
card on the terminal at the pay point.
Step 4
Enter Your PIN: You may be asked to enter your secret PIN. This is the same PIN you
changed when you activated or first used your card at Diamond ATM or any one you may
have chosen when you changed your PIN.
Step 5
Sign: You may also be requested to sign a slip and be given a sales receipt
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How to Activate Your Card
Collect your
card from your
branch
Do a PIN change at
any Diamond Bank
ATM to complete
activation
otherwise your
card will not work
Activate – call
+23412793500,
07003000000 or
08082255322 to
activate for foreign
transactions
Do a PIN change at
any Diamond Bank
ATM to complete
activation
otherwise your
card will not work
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02
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02
Obtain your IPIN,
your IPIN provides
2nd level
protection for
online payments
Use your card to
make ATM
withdrawals,
purchases at
merchant stores or
online payments
Obtain your IPIN
from any Diamond
Bank ATM for
online transactions
Use your card to
make withdrawal
on ATM and
purchases at
merchant locations
or online payments
03
04
03
04
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In branch today I talked to:
My next appointment in branch is on:
/
/
at
:
am/pm
I can change this appointment by calling:
Checklists of what you’ll need to bring to your
appointment can be found in this brochures
If you would want to find out more about this brochure, visit
any branch, call us or visit our website.
Banking with Diamond:
Branch
Online
Mobile
Contact
Centre
ATM
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