FCMB New Enhanced Security For Web-based Transactions

One of Nigerian leading bank, FCMB, has recently introduced an enhanced security protocol for web-based transactions, aimed at ensuring an improved service and security of customers' funds from Credit Cards Hackers.

This protocol is a convenient and reliable means to authenticate all payment being transact or

carryout on the Web. This can only Pop up on Websites that are MasterCard Secure code enabled.

Henceforth, around May, 2016, all web based transactions performed using FCMB MasterCard on a MasterCard Secure code enabled website will be authenticated with an OTP (One-Time Password), that you create on the first MasterCard Secure code enabled website. If the password that you typed in is correct, your transaction will be successful. If not correct, you won't be able to bye-pass the authentication stage and your card will be block immediately after third (3)  attempts.
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The customer will be required to input this OTP as a sign that the transaction is of authentic and approved of by the original account holder to complete the transaction.
And without the correct OTP provided, the transaction will not be completed rather The MasterCard will be block immediately after several attempts

Benefits of the MasterCard Secure code:

It helps protect customer's funds from unauthorized access and use.

It ensures additional level of online shopping security.

It is fast, simple and convenient. 

To ensure that customers bye-passed the OTP authentication stage, FCMB bank customers are expected to create "memorisable" OTP (One Time Password) on the first MasterCard Secure code enabled website

If you have forgotten your OTP, you have to visit any of the FCMB bank branches to create a New OTP again and make sure you do not forget it again.

Note: You should know to be careful in how you handle and manage your MasterCard in order to prevent undue and unauthorized access to your personal banking information by a third party.

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Skye Bank New Enhanced Security For Web-based Transactions

One of Nigerian leading bank, Skye Bank, has recently introduced an enhanced security protocol for web-based transactions, aimed at ensuring an improved service and security of customers' funds.

This protocol is a convenient and reliable means to authenticate all payment being transact or 

carryout on the Web. This can only Pop up on Websites that are MasterCard Secure code enabled.

From now on, all web based transactions performed using a Skye bank MasterCard on a MasterCard Secure code enabled website will be authenticated with an OTP (One-Time Password), which will be automatically generated and sent to the customer's registered phone number and email address.
The customer will be required to input this OTP as a sign that the transaction is of authentic and approved of by the original account holder to complete the transaction.
And without the correct OTP provided, the transaction will not be completed but will rather be terminated.

Benefits of the MasterCard Secure code:

It helps protect customer's funds from unauthorized access and use.

It ensures additional level of online shopping security.

It is fast, simple and convenient. 

To ensure that customers do receive the OTP whenever sent, Skye bank customers are expected to update their banking profile with their current contact numbers and email addresses, especially if any of their information changes. 

To update your banking details, you have to visit any of the Skye bank branches to receive and complete a Customer Information Update form.

Note: You should know to be careful in how you handle and manage your mobile devices in order to prevent undue and unauthorized access to your personal banking information by a third party.

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DIFFERENT BANKS USSD Codes TO TOP-UP MOBILE NUMBER FROM ACCOUNT BALANCE

This is not new to some people, while some didn't know how to go about this.
This article will explain and alight all necessary steps/guides needed  to top-up your mobile phone with airtime from your bank account.

Nigeria Banks Chip-in/announced the use of "USSD codes" to enable their customers to top-up (or recharge) their phones with airtime from their bank accounts balance with very and easy ways.
Also Red: The first bank Of Nigeria Mobile App
For instance, you may be stranded or not having enough cash at hand to buy airtime or call card, or it may be late hours to go out of your Crib to Shops/Super Markets around to get Call card or you find it stressful walk to any nearby ATM Machine to recharge and as well you may want to send Recharge Cards to someone while its late. Or you really need to top-up in order to use your phone perhaps to make phone calls, send a text message, subscribe a data plan, etc.
Which ever one your need is, Just sit back and release to get the full gist on how you could solve all your call card/Recharge cards need.
Therefore, below is a list of banks in Nigeria and their USSD codes the customers can use to top-up their  mobile phones from their banks accounts balance.

Also Read How to Open a Domiciliary Account in Nigeria

list of banks in Nigeria and their USSD codes to top-up your Mobile lines

1. Access Bank Customers dial: *901*amount#
2. Eco Bank Customers dial: *326*amount#
3. Fidelity Bank Customers dial: *770*amount#
4. First City Monument Bank (FCMB) Customers dial: *389*214*amount#
5. First Bank Customers dial: *894*amount#
6. GTB Customers dial: *737*amount#
7. Heritage Bank Customers dial: *322*030*amount#
8. keystone Customers dial: *322*082*amount#
9. Sky Bank Customers dial: *389*076*1*amount#
10. IBTC Customers dial: *909*amount#
11. Sterling Bank Customers dial: *822*amount#
12. UBA Customers dial : *389*033*1*amount#
13. Unity Bank Customers dial: *322*215*amount#
14. Zenith Bank Customers dial: *966*amount# or *302*amount# (for mtn users)
15. Diamond Bank (Y'ello account only) Customers dial: *710*555*phone no*amount*pin#

Note: Some of the Banks above didn't allow their Customers to to-up third party mobile phone numbers and the bank ONLY allow Customers to top-up ONLY the phone number(s) associated or (linked) to their bank account. Any attempt to top-up any other phone number will fail and not successful.

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The First Bank of Nigeria Mobile Banking App

With advance in Technology; there are a lot of goodies we can now do easily when its come to access our money. And when it comes to technological advancement in the banking industry, First Bank users can access their savings and/or current account(s), any time, anywhere, as well as to perform different types of transactions simple and with ease, all from their mobile devices without the need to go to the bank. All you have to do is pimp-up your finger and download the FirstMobile app by First Bank of Nigeria.

The Mobile app is the official mobile banking platform for smartphone from FirstBank Plc. It provides convenient/ease access to both financial and non-financial transactions by FirstBank account holders only via their mobile devices. The service is available to FirstBank account holders with Naira MasterCard and/or Verve cards.

Also Read: Basic features of Nigeria Debit Cards
The Firstmobile banking app that is easy to use, is another very secure platform that allows customers to carryout banking transactions and access day to day lifestyle news contents with a "click" from their mobile devices/phones. And once you've downloaded and installed it, you can activate it and start transactions immediately and as well enjoy all its features its offers, without having to have a walk to Firstbank branch, as it comes with a DIY enrolment process.

Features Of The FirstMobile App

1. The Account Overview - such as free access to account balance inquiry and account statement .
2. Domestic Funds Transfer Platform - Can Transfer to First bank and other banks accounts.
3. Airtime Top-Up Platform (i.e customers can top-up "Self Mobile Line" and "3rd party").
4. Bills Payments Platform - You can make TV bills (such as  DSTV, HiTV, GoTV) as well as Electricity bills etc.
5. Card management Platform: Can Change Mobile App Pin in case of Fraudulent suspicious.
6. Pay Flight tickets - Can also view schedules and book with ease.
7. Book Events & Shows - Book your favourite events and shows in just a few taps.

In addition to above features, the FirstBAnk Mobile Banking App offers all FirstBank customers a unique access to the latest articles and videos across a wide variety of categories which include technology, gadgets, life and travel, the economy, access to local news, shopping flirt and many more.  You can afford not to have the FirstBAnk Mobile Banking App, with all the unique features embedded in it.

Read: Major type of Account Opening
 
The application is "FREE" and available for download to customers of the bank "ONLY". To download the app, simply click here.

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Basic Features of Nigeria Debit Cards - Verve, MasterCard & Visa Debit Card

According to brands, there are currently three types of ATM debit cards for bank accounts in various banks. They are:

1. Verve Card
2. MasterCard
3. Visa Card.

These cards have their various features that makes them unique in their own ways. We'll look at these features briefly.

Verve Card

1. It is Flexible, can be used across multiple channels such as ATMs, Web and POS terminals. However it can only be used on "domestic" websites, (i.e. Nigerian sites) bearing the Interswitch or Verve acceptance mark, e.g. Quickteller. This means it can't be used for international payments.
2. It can be used for multiple Value-Added Services such as Airtime recharge, Bills payments, funds transfer using Quickteller, shopping, e.t.c.
3. Users get to enjoy discounts targeted at Verve cardholders. Visit their website 'Ververewards.com' to take a 'look and keep tips" of the exclusive collection of discounts for Verve cardholders and take advantage of the program’s benefits wherever you go.
4. Also, some banks may have some special offers and discounts for their customers having the verve card.
5. Your funds are protected from making foreign payments.
6. Probably cheaper to get. Some banks charge N700 for issuing Verve cards.

MasterCard

1. Some spending limits are applied which can save you from total funds drainage should your card get to the wrong hands. The limits can be lifted on request by the cardholder.
2. It is Accepted internationally, wherever the MasterCard logo is displayed. Meaning it can be used when traveling out of the country and on millions of websites , both domestic and foreign, with Mastercard support.
3. It is an EMV card with enhanced security that ensures safety of your funds and transactions, and In some cases, it provides extra protection for Web based transactions with “SecureCode” for International web transactions and Safetoken for local web transactions also.
4. It enables you to spend in Naira wherever you go in the world as any transactions you carryout are debited directly to your Naira account. Meaning no need to source for foreign exchange.The disadvantage of this is that as 'dollar($)' rises, you get debited high as for the present exchange rate
5. It is Accepted across multiple channels such as ATM, POS, Web, e.t.c.
6. Card validity period of 3 years from the date of issuance.
7. As a users you can enjoys discounts and special offers targeted at MasterCard cardholders by the company and also the bank you banking with. Please kindly visit the site here to download the Priceless Africa Mobile App to gain access to an exclusive collection of discounts specially packed for MasterCard cardholders to live a unique moment in their favorite cities and places, and also to carry the benefits the program as in stock wherever the client go.

Visa Card

1. It also has a spending limit which can be lifted by the cardholder on request to the bank.
2. It is an EMV (Chip & PIN) card with advanced security that guarantee safety of your funds and transactions. Some banks Visa Debit card is a dual currency card that allows you spend Naira during domestic transactions from your Naira account and Dollars during intentional transactions from your domiciliary account.
3. It's a globally acceptability for ATM withdrawals, payment at POS terminals, as well as via internet to pay for goods and services by millions of websites that accept Visa cards for payments either for domestic or international level.
4. Card validity period of 3 years from the date of issuance.

As far as most consumers are concerned, there is no real difference between the Mastercard and Visa card. They are both widely accepted in over more than two (2) hundred countries  on the ATM that has the Card Logo on them.


So you should go for a Card that best meets your requirements, so you don't get frustrated by any limitation which may probe you to waste resources by having multiple cards for just one bank account.

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