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How to create and fund your Naira Virtual Account (VBA)

Learn how to create and fund your Naira Virtual Account for receiving payments on Cardtonic.

Your Naira Virtual Account lets you receive funds directly into your Cardtonic Wallet. Complete two steps to get started.

Step 1: Verify your KYC

  1. Tap "Settings" at the bottom of your dashboard.

  2. Select "Identity Verification".

  3. Enter your date of birth and BVN.

  4. Take a clear selfie and tap "Verify your KYC".

Step 2: Generate your virtual account

  1. Tap "Wallet" at the bottom of your dashboard.

  2. Select "Top-up".

  3. Tap "Generate Virtual Account".

Please note: Only send money to this account from a bank account linked to your BVN. A 1.5% service fee applies on every deposit, capped at ₦2,000.

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