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Zenith Bank Virtual Card - How To Use Zenith Bank Virtual Card

Zenith Bank Virtual Card – How To Use Zenith Bank Virtual Card

How To Retrieve Zenith Bank Virtual Card Details? How To Use Zenith Virtual Card? A virtual card is not a physical plastic card. Instead, it’s a set of sixteen digits that resembles a credit card number, along with a CVV code that is randomly generated using the software. Virtual cards can be credit or debit cards.

To get a Zenith Bank Virtual card, it is simple:

What is a Zenith virtual debit card?

A Zenith bank virtual debit card is similar, but the randomly generated number is linked to an underlying debit account instead of a credit card. Virtual numbers can be used for remote shopping, but cannot be used for in-person shopping.

When charges are incurred using the virtual debit card number, purchases are routed to the associated account and deducted from the balance. However, people cannot trace the number to the original account or access the money using the number.

What is a Zenith Bank virtual credit card?

A Zenith Bank virtual credit card is a randomly generated set of 16 digits along with a CVV code that can be used to purchase goods and services remotely. Card numbers can be charged online or over the phone, but not in person.

When a card number is generated, the charges are sent to the original credit card number. However, the virtual number cannot be traced back to the original card and will not work after purchase. As with credit cards, purchases made with Zenith Bank virtual credit cards are added to the underlying cards’ revolving credit lines and may earn interest.

How to Get a Zenith Bank Virtual Card

The great news is, it’s incredibly easy to get your hands on a Zenith Virtual Card! Here are your options:

  1. Zenith Internet Banking: If you’re already a Zenith Internet banking user, follow these steps:
    • Log in to your Internet banking account
    • Look for the “Cards” section (or a similar option)
    • Select “Virtual Card”
    • Follow the instructions to create and set up your card
  2. Zenith Bank Mobile App: The process is similar to internet banking, just within their app.
  3. USSD Code: Super convenient! Here’s what to do:
    • Dial 9662273#
    • Follow the on-screen prompts to create your Virtual Card
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How to Use the Zenith Bank Virtual Card

Imagine this: You’re browsing your favorite online store. You’ve added items to your cart, ready to checkout. Here’s where the Zenith Bank Virtual Card steps in:

  1. Look for the Card Payment Option: Most online platforms accept cards – look for logos like Visa or Mastercard.
  2. Enter Your Virtual Card Details: Just like with your physical card, you’ll need to fill in:
    • Card Number
    • Expiry Date
    • CVV (The 3-digit security code)
  3. Confirm and Complete Your Purchase: Depending on the website, you might need additional verification (like an OTP sent to your phone).

Where Can I Use the Zenith Bank Virtual Card?

The possibilities are endless! Here are some examples:

  • Online Shopping: Amazon, Jumia, AliExpress – you name it!
  • Subscription Services: Netflix, Spotify, or services specific to Nigeria.
  • Bill Payments: Utility bills, cable subscriptions, etc.
  • Online Bookings: Flights, hotels, and activities.

How To Use Zenith Virtual Card?

Virtual payments are payments made online or over the phone without exchanging money or paying by check. These payments are made securely using the generated numbers.

When payments are made virtually, hackers who steal the generated numbers cannot use them. The numbers will not work after being used by you to make payment and will not work to allow access to your accounts or trace back to your business. Virtual payments can help reduce invoices and streamline the payment process, building goodwill between you and your suppliers.

What is Zenith Bank Virtual Card USSD Code?

Zenith bank virtual card ussd code is *966*2273#

Can I Use the Zenith virtual card Without a USSD Code?

  • Visit the link
  • Put in your account number.
  • Select card type.
  • Input the OTP code sent to your registered phone number in our records.
  • Select “I Agree” on the Zenith bank virtual card terms and conditions.
  • Create Your card PIN by Selecting Your Preferred 4-digit PIN number.
  • Confirm your 4-digit preferred card PIN number.
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Is the Zenith virtual card different from the ATM card?

Yes, please. The Zenith bank virtual card costs N500 and it can only be used for WEB Transactions.

How To Retrieve Zenith Bank Virtual Card Details?

No need to visit the branch, you can obtain a virtual card using Zenith Internet Banking, by dialing *966*2273# and following the prompts to retrieve your details.

  • Kindly dial *966*2273# on your SMS alert number, select 1, and follow the prompts to create a virtual card.
  • Once successful, you may dial *966*2273#, select 2, and follow the prompts to retrieve your PAN, CVV, and the expiry date of your Zenith bank virtual card.
  • To create a virtual card PIN please dial *966*2273#, select 3, and follow the prompts.

Zenith Bank Virtual Card Features

  • With the virtual Zenith bank card, you can relax at home and contact us via your mobile phone to top up your GOtv, DStv, or Startimes.
  • What is your opinion on the convenience of paying when shopping? Cash is available to you when you activate the Zenith Bank Virtual Card.
  • Easily sort your bill payments. Trust me, no one will know this.
  • It is also the best recommendation for customers who easily lose their debit card. Just swipe to our website to apply for your Zenith virtual bank card and stay safe.
  • Interestingly, it is not physical. Therefore, it can never be lost or stolen like a normal card. Are you happy now? I’m glad it’s the safest and most portable way to manage a debit card for online payments. No one will have a clue how to get off the map.

As you already know about the card, it’s time to apply for your card. Submit a virtual debit card request using the steps we show you below.

How to apply for the Zenith Bank virtual card?

Customers do not know how to validate the Zenith virtual bank card. This ignorance is not just for our former customers. It’s for old and new. The fact is that you can get the virtual Zenith bank card through 4 effective procedures and if you allow us we will show you all these procedures. Thank you for giving us the privilege of leading the way. We’ll start the procedure somewhere.

Apply by email:

Now if you check your email, Zenith Bank has released the virtual card validation notification to all customers who have their email associated with their Zenith bank account. I saw mine this morning. So even if you didn’t see the notification, open your email now as you may fall into the category of those who rarely access email.

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Start emailing as long as you are registered with your Zenith bank and have received messages from Zenith Bank via email. Go to “Update” and open the message. Click on the dashboard after the message opens and you will be redirected to Zenith Bank’s online site. Follow the on-screen instructions to sign up.

Apply directly on Zenith Bank’s virtual card website

On the contrary, you can simply launch This is the validation site. You agree with me that you will be asked to fill in your BVN and date of birth. Make sure that the date of birth is the same as the date of birth that you have registered with BVN. Tap “Confirm” at the bottom right of the page to unfold the remaining stages.

When choosing a code

Did you know that you can stay in your comfort zone to key in a code with the phone number associated with your Zenith bank account? The only requirement here is to respect the rule of using the mobile phone number registered in the bank account for this procedure. If the number no longer exists, try other numbers. So when you’re ready to start this procedure, dial *966*2273#. Complete your validation request using the on-screen pop-up menu.

Last but not least is the Zenith Bank branch

Just go directly to a Zenith bank branch near you to let them know that you are interested in the virtual card. You will be sent a form. Fill in the form with the requested information and send it to customer service. If you have any questions during the application process, please do not hesitate to ask one of the staff. That’s all.


Well, readers, that’s your comprehensive guide to the Zenith Bank Virtual Card. It has seriously streamlined the way I deal with online payments. If you’re looking for a safer and more convenient way to shop online, pay bills, and manage subscriptions, this might be the perfect solution for you!

Have you used a Zenith Bank Virtual Card before? Share your experience in the comments below! Or, if you’ve got any more questions, feel free to ask. I’m here to help!

Important Note: Remember to always confirm details like fees, ATM compatibility, and international usage directly with Zenith Bank for the most current and accurate information, especially as policies may change over time.

I am Mr. 9jaboizgist, a dedicated content writer and the proud owner of 9jaboizgist, a versatile blog covering a wide array of topics. With a passion for blogging and a knack for delivering up-to-the-minute information, I specialize in curating engaging content in the fields of technology, business, finance, banking, loans, insurance, and the Internet.