Yes, you can use the account as a bank account and withdraw money anytime through the Cardtonic wallet. However, virtual bank accounts have some limitations and service charges.

Please note that only funds received from a bank account associated with your BVN will be settled and credited to the user's wallet. Otherwise, the inflow may be refunded to the sender or delayed for review.
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In addition, every deposit is subject to a fee, which is specified on the wallet page.