Providus Bank Prepaid Card
Providus Bank Prepaid Card is a traditional bank card issued on Mastercard, rated 5.7/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Providus Bank Prepaid Card is the strongest fit for general use, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Providus Bank Prepaid Card · Traditional Bank Card |
| Official site | https://www.providusbankplc.com/prepaid-card |
| Best for | General use |
| Network | Mastercard |
| Rating | 5.7/10 (3.0★, 682 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | ₦1,075 (incl. VAT) |
| Monthly / annual fee | ₦50/quarter (savings acct maintenance) |
Verification and risk
| KYC required | Yes |
| Risk level | Medium |
| AVS check | No |
Funding and limits
| Bank transfer | Yes |
Billing
| Billing country | Nigeria |
What the issuer states on its own site
- Traveler uses it across: POS, ATM, online transactions, hotels, ride-hailing, etc.
- Features include Preloaded for usage across all channels (POS, WEB, and ATM), real-time monitoring and control and Ideal for employee reimbursements and petty cash management.
How it performed in our tests
We logged 123 cleared charges out of 172 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Providus Bank Prepaid Card cost to run?
The cost lines stack like this: issuing it costs ₦1,075 (incl. VAT); the recurring charge is ₦50/quarter (savings acct maintenance). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Providus Bank Prepaid Card?
Providus Bank Prepaid Card asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
How can I fund Providus Bank Prepaid Card?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Providus Bank Prepaid Card need?
Setting it up: cards are issued against Nigeria; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.