GUBA Enterprise is a promoter of the GUBA Diaspora card in partnership with Access bank. All information provided for the prepaid card will be sent to Access bank for processing.

DEFINITIONS

“Account” means the prepaid account opened by Access Bank in the name of the Cardholder or Cardholder.
“Account Opening date” means the date in which the Cardholder opened the account by purchasing a card.
“Visa Prepaid card” means the card issued to the cardholder by Access Bank.
“PIN” means the unique personal identification number which Access Bank provides to the cardholder to authorise transactions and to withdraw cash from an ATM or POS terminals.
“Reload” means to add money to your Account.
“We” means Access Bank Ghana.
“Cardholder” means the person to whom or for whose use the Visa prepaid card is issued by Access Bank.

1. Fees and Charges
All fees and charges relating to the card are detailed in the welcome pack and form an integral part of these terms and conditions.
2. Applying for A Prepaid Visa card
2.1 Access Bank will require proof of cardholder’s identity.
2.2 The 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.
3 Activating Your Prepaid Visa card
3.1 To activate the card, the cardholder must change PIN at any Access Bank Ghana ATM to activate the card.
3.2 Access Bank reserves the right to terminate this agreement immediately if the cardholder does not activate his/her card within 90 days of card issuance.
4 Reloading the Visa Prepaid card
4.1 The minimum opening amount the cardholder can load on his/ her card is GHS20 (twenty Ghana cedis)
4.2 Details of how to reload are available in the welcome pack provided with the card. We reserve the right to decline any reload and alter the minimum and maximum reload amounts from time to time.
4.3 Fund reloads to the card can be done at any of Access Bank’s branches or by Access Online. Kindly contact Access Bank for more information
4.4 Funds in the cardholder’s card shall not earn interest.
5. Making Transactions from Your Account
5.1 The cardholder can use his/her card with the PIN to withdraw cash from ATMs. The cardholder may also be subjected to any applicable fees, rules and regulations by the ATM or Financial Institution. Kindly contact Access Bank for more information
5.2 The maximum amount the cardholder may withdraw per day via ATM will vary according to card type.
Kindly contact Access Bank for more information
5.3 The maximum individual purchase a cardholder can make will vary according to the card type. Kindly contact Access Bank for more information
5.4 No third party transfer to or from the Visa prepaid card is allowed unless the transfer is from one Visa prepaid card to another.
5.5 The account number provided to the cardholder is for loading only and no other transactions.
6. Keeping Your Card and Pin Safe
6.1 Using the Visa prepaid card and PIN will be the primary way for the cardholder to take money out of his/her account.
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.
The cardholder must not disclose his/her PIN to anyone including family, friends, retailers and Access Bank’s staff.
The cardholder must not write his/her PIN anywhere.
6.3 If the cardholder suspects that someone else knows his/her PIN, the cardholder shall change it as soon as possible.
6.4 If the cardholder has forgotten his /her PIN the cardholder may call Access Bank’s Contact Centre or the branch for a PIN reset.
6.5 The cardholder must keep his / her card safe, this means the cardholder
Must not give the card to anyone else.
Must not damage or bend the card.
Must not write his / her PIN anywhere.
7. Reporting Lost and Stolen Cards
7.1 The cardholder must call Access Bank immediately if(a) Card is lost; (b) Card is stolen (c)Card is being used in a manner not authorized by Access Bank. AccessBank will then take action to prevent any unauthorized use.
7.2 The cardholder will be asked to provide his/her card number and other details to help Access Bank verify that it is talking to the right cardholder.
7.3 If 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.
7.4 Until cardholder notifies Access Bank under condition above that the card is lost, stolen or at risk of being misused the cardholder shall be liable for transactions up to sixty minutes after Access Bank has received notification from the cardholder that the card is lost, stolen or at risk of being misused.
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 the danger of the card being used.
7.6 The cardholder will not be liable for losses on the card for transactions that may take place 60 minutes after the cardholder has notified Access Bank 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, without notice:
Refuse to approve a transaction
Cancel or suspend your right to use the card for all or any purposes
Refuse to replace the card
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.
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 the 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 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 The cardholder will not receive a refund until Access Bank’s investigation is complete. If the disputed transaction is refunded to 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 discovers 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.
10 Account Closure and your Right to Cancel
10.1 The cardholder has the right to withdraw from this agreement at any time. To cancel/close the cardholder account the cardholder needs to write to Access Bank enclosing card issued cut in half.
10.2 Following 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 to the cardholder. A cancellation fee may apply.
10.3 If the card has had no transaction for a period of at least one year and it has a zero balance, Access Bank reserves the right to cancel the card.
10.4 If the card is misused, or Access Bank suspects misuse of the card, Access Bank reserves the right to cancel the card without further notice to the cardholder.
11 Protecting the Cardholder’s Personal Data
11.1 Access Bank will process and retain cardholder’s personal data in order to open, administer and run your prepaid card and to deal with any enquiries the cardholder may have.
11.2 The cardholder hereby consents to the disclosure by Access Bank of information about his/her card to any of
Access Bank’s local or foreign branches, any subsidiary of Access Bank or law enforcement agencies or to a court of competent jurisdiction or for the purpose of verifying the authenticity of any documents submitted by the cardholder.
11.3 If Access Bank suspects that it has been given false or inaccurate information; Access Bank may record its suspicion together with any other relevant information.
12 Liability
12.1 If something which Access Bank is not reasonably able to control, including but not limited to defects relating to the card, stops or delays Access Bank from doing something it is supposed to do under these Terms and
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 for the loss the cardholder suffers as a direct result up to a maximum of the balance on the cardholder’s 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 losses.
12.4 Provided the cardholder has not acted fraudulently or without reasonable care, the cardholder will not be liable for any transaction or fees incurred in cardholder’s account if(a) the card is used before the cardholder’s receipt of the card, or (b) someone else uses the card 60 minutes after you report it lost or stolen.
12.5 In the event that the cardholder does not use his/her card in accordance with these Terms and Conditions or
Access Bank finds that the cardholder is using the card fraudulently, Access Bank reserves the right to charge 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/her card or for any product or service discounts arising from the purchase of his/her card.
12.7 Access Bank accepts no responsibility or liability for a merchant refusing to honour a transaction on the card or failing to cancel an authorisation.
12.8 From time to time the cardholder’s ability to use his/her card may be interrupted e.g. when Access Bank carries out maintenance, for which Access Bank will incur no liability. If this happens, the cardholder may be unable (a) to use the card to pay for purchases or obtain cash from ATMs, (b) to reload the card and/or (c) to obtain information about the funds available in the card and/or about your recent card transactions. The cardholder shall notify Access Bank if there are any problems using the card.
13 Who runs the Cardholder’s Account?
13.1 The Cardholder’s Card is held with and issued by Access Bank Plc which is authorized as a financial institution.
Further enquiries can be done by visiting any Access Bank branch, or by calling the Contact Centre on

+233-244- 344-222
14 What Happens When Cardholder’s Visa Prepaid Card Expires?
14.1 Access Bank will send a renewed Visa prepaid card to the cardholder’s branch based on the cardholder’s request.
If the renewed card is not received, the cardholder should contact his/her branch or the Contact Centre.
14.2 Access Bank reserves the right to decline to issue a renewal/replacement card.
14.3 Access Bank will charge the cardholder, on or after the date of issue of the cardholder’s renewed/replacement card, the annual fee for the cardholder’s account.
14.4 Access Bank will renew the cardholder’s Visa prepaid card on the same pricing plan as the expiring prepaid visa card.
14.5 Cardholder will be charged a cancellation fee in the event that the cardholder requests a refund of the remaining funds on the card once the Visa prepaid card has expired.
15 General
15.1 Access Bank will notify you of any change to these Terms and Conditions. All changes will be posted on Access Bank’s website. If Access Bank makes any other material changes Access Bank will notify the cardholder by email at least 30 days in advance, except in exceptional circumstances. If the cardholder is significantly disadvantaged by any such change, the cardholder may cancel the card.
15.2 No failure or delay on the part of Access Bank in exercising any right or power hereunder shall operate as a waiver thereof nor shall any partial or single exercise of any such right or power preclude any other right or power thereunder. No waiver by Access Bank of any of its rights or powers under this Agreement shall be deemed to have been made unless expressed in writing and signed by its duly authorized representative(s).
15.3 The cardholder irrevocably agrees that any legal action, suit or proceeding arising out of or relating to these
Terms and Conditions may be instituted, at the option of Access Bank, in any competent court in Nigeria.
15.4 If a cardholder is unhappy with the way his/her card account is being run, the cardholder may contact the nearest
Access Bank branch or the Contact Centre on 01-2712005-7. Access Bank will investigate the circumstance as soon as possible.
15.5 Access Bank reserves the right to terminate this agreement immediately if we suspect the cardholder has provided false information on opening a Visa prepaid card account or if a fraudulent or criminal act is ascertained.