LWI cards afford you the convenience of global acceptance that the high-paced lifestyles of today require; and depending on whether you choose credit, debit or prepaid, they can provide you the financial freedom. LWI bank has a variety of card products suitable for different demographics. We currently have Cards suitable for individual and corporate customers.

Debit cards:

LWI Debit Card enables you to access LWI Interconnected ATMs spread across major centres in the country, and multi million ATMs worldwide. These cards also provide you convenience of usage at literally all major merchant outlets in America and abroad, make online purchases through internet. Enjoy the convenience of cash-less purchasing power without the fear of overdrawing your account. Debit cards allow you to get cash from an ATM or pay for goods and services without using cash. The money usually comes out of your current account immediately, although it may take a few days for the transaction to appear on your statement.

Most debit cards have ‘chip and pin’ feature – a small electronic chip in the card and a 4 digit personal identification number (PIN). When you use your debit card to buy something, you insert your card into a keypad which reads the chip. You are then asked to enter your PIN on the keypad to confirm the transaction amount. You use the same PIN when using your debit card to take out cash at an ATM. You can also use your debit card to get ‘cashback’ from some retailers. This is where you pay for your goods but also ask for a certain amount of cash to be added to the amount of the transaction. It can be convenient if you do not want to go to an ATM, or there are none nearby. It also helps you reduce bank charges as you will pay for one transaction, not two. Not all retailers will offer cashback. It is a service the retailer can choose to offer you, but the retailer is under no obligation to provide it. The maximum amount of cash they will give you is also at their discretion and the amount of cashback a retailer will give you will vary between shops.

Your debit card is fast and easy to use because it lets you access your checking account without taking the time to write a check. Plus, it eliminates the need to carry a checkbook or worry about running out of checks and its easier and safer than carrying cash. It also makes keeping track of your money a snap, because every purchase you make is listed on your monthly checking account statement.


Available in Naira and Dollar denominations
Instant access to account
Acceptable Nationwide
Internet Shopping, ATM and POS Terminals
3D online security (VbyV and Secure Code)

Credit cards:

Credit cards are a convenient and flexible way to pay for things without having to carry cash. And if you use them wisely, credit cards can be one of the cheapest sources of credit available. Our credit cards don't just let you spread the cost of a purchase; they let you spread your wings too. Whether you're looking for a tempting 0% purchase rate offer, no fees on overseas purchases (excluding cash withdrawals), a 0% balance transfer or a super-smart app to help you manage your spending, we've got an option for you.

Prepaid cards:

Prepaid cards offer some of the same features as debit and credit cards, but you don’t need a bank account to operate one. You top-up your card with your own money, which you can then spend by using the card. As you are simply spending your own money, you can never run up debt or spend more than you have in your account. Prepaid cards usually carry either the Visa or Mastercard symbol and can be used for purchases wherever a credit card is accepted. You can use them to pay for things in shops, online or to withdraw money at ATMs. Some cards also have chip and pin features. The LWI Prepaid Card puts you in total control of your everyday spending. All payments are limited to the funds available in the prepaid card. Simply load the Prepaid card account with the funds you will need when you shop or travel and use the Card for all your payment needs. It is safer and convenient.


Available in Naira, Dollar, Euro and Pound denominations
Acceptable Nationwide
3D online security (Verified by Visa [V by V] and MasterCard SecureCode)
Cards can be used on POS, ATM, Internet, Telephone and Mail Order
Available to Account holders and non-Account holders of the bank
24 hour Customer Service Centre/Call Centre
SMS/ Email alerts
Monthly Statement
Online access to transaction history through Internet Banking

Visa Direct:

LWI Visa Direct is a cross-border money transfer service offered through Visa International that allows LWI savings and current account customers to transfer money to any Visa debit, credit and prepaid cardholders abroad through LWI or any LWI ATM across America and the World. Funds can be transferred and credited instantly to the beneficiary's card account if the recipient's card-issuing bank has the 'Fast Fund' feature. Once the beneficiary receives the funds, he or she can withdraw them through a Visa ATM or spend them through the Visa card at participating merchants. So, the beneficiary doesn't need to visit the bank or any other outlet to receive the funds. When transferring money to 'non-Fast Fund' banks, it may take up to 48 hours (Two working days) for the funds to be credited to the card account.Visa Direct is a cross-border money transfer service that allows customers to send* and receive money from any bank account around the world directly to the customer’s Visa Debit account though visiting the sender’s branch, or online banking service or ATMs. LWI offers you Visa enabled services to conveniently pay bills of a Visa Credit Card issued by any bank, or transfer money to a beneficiary's bank account using the Visa Debit Card number.

Visa Direct is a cost effective, fast, convenient and secure way of transferring money. LWI Visa cardholders can now receive funds domestically and internationally from any Visa sending partners worldwide. In addition, LWI customers can now send money to any eligible Visa card in America and the rest of World. To receive funds through Visa Direct, all you need to do is to provide the 16-digit Equity Visa card number on the front of your Visa card. Funds will be made available in your account as soon as you complete the transaction.

Visa Direct money transfer features:

There's no need to remember long account details, as only the beneficiary's name and Visa card number are required to transfer money. In addition, the beneficiary doesn't have to disclose any security details like the expiry date or the CVV.

Safe and secure - The money transfer feature is offered through LWI 's online banking service and ATMs, and the funds are transferred securely through Visa's network.

If a beneficiary's bank has the 'Fast Fund' feature, the money will be transferred instantly (You will find out whether the recipient's bank is a 'Fast Fund' bank or not at the time of adding the beneficiary).

If a beneficiary's bank doesn't have the 'Fast Fund' feature, the money will be transferred within approximately 48 hours.( Two working days)

The money will only be transferred in the local currency of the beneficiary's country.

The Visa Direct service is available 24 hours, 7 days a week through LWI and LWI ATMs.

The service is available to all our existing customers, as well as new customers who open an account with LWI .

The minimum amount that can be transferred through Visa Direct is SAR 100 per transaction.

The maximum amount that can be transferred through Visa Direct is SAR 9,375 per transaction.

Premier and Advance customers can make up to three transactions per day.

Banking Objectives

We protect people's savings and help them make the purchases – from everyday transactions to buying a home – that improve the quality of their lives. We advise people on how to invest for future needs, such as their children's education and their own retirement, and help them buy securities such as stocks and bonds.

One of the most popular payment forms online are credit and debit cards. Besides them, there are also alternative payment methods, such as bank transfers, electronic wallets, smart cards or bitcoin wallet (bitcoin is the most popular cryptocurrency).E-payment methods could be classified into two areas, credit payment systems and cash payment systems.