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.

In addition, every deposit is subject to a fee, which is specified on the wallet page.