First Bank Virtual Card 2025 – All You Need to Know

First Bank Virtual Card 2025: Hello, welcome to TEEZABIZ.COM.NG. Online transactions have become a part of everyday life.

Whether you’re shopping on Jumia, paying for Netflix, subscribing to online courses, or making international payments, you need a secure and reliable way to make payments online. This is where the First Bank Virtual Card comes in.

A virtual card is a digital version of a physical debit or credit card. It has a 16-digit card number, expiry date, and CVV (Card Verification Value) but exists only online; no plastic card required!

First Bank introduced its virtual card to give customers a safe and convenient way to make payments without exposing their real bank details to fraudsters.

So, why should you get a First Bank Virtual Card?

Safe for online transactions – Your real bank details remain private.
Works on both local and international websites – Pay on sites like Amazon, eBay, and AliExpress.
No need to carry a physical card – It exists only on your phone.
Easy to create – Get it instantly via the FirstMobile app or First Bank Internet Banking.
Set spending limits – Control how much you spend, reducing the risk of fraud.

At TeezaBiz.com.ng, we know that many people want to shop online but are afraid of fraud, card cloning, or unauthorized transactions. That’s why we’ve created this post to help you understand everything about the Virtual Card.

By the end of this article, you will know:

What the First Bank Virtual Card is and how it works.
How to apply for a virtual card in minutes.
The best ways to use your virtual card safely.
How to fund, manage, and cancel your virtual card.

Let’s begin!

What is the First Bank Virtual Card?

The First Bank Virtual Card is a digital payment card that works just like a debit or credit card, except it exists only online. You don’t get a plastic card, but you get:

A 16-digit card number
An expiry date
A CVV (security code)

These details allow you to shop online, pay for services, and subscribe to platforms without using your main bank card.

How Does the First Bank Virtual Card Work?

It is linked to your First Bank account, just like a regular debit card.
You can fund it with any amount from your bank account.
When making payments online, you enter the virtual card details like a normal card.
The card is secured with 3D authentication (OTP verification).

How to Get a First Bank Virtual Card in 2025

There are two main ways to apply for a First Bank Virtual Card:

Using the FirstMobile App
Using First Bank Internet Banking

How to Apply for a Virtual Card Using the FirstMobile App

Download & Open the FirstMobile App
- If you don’t have the app, get it from the Google Play Store (Android) or Apple App Store (iPhone).
- Log in with your First Bank username and password.
Go to the Virtual Card Section
- Click on “Cards”, then select “Request Virtual Card”.
Enter Your Details
- Choose the account you want to link to the virtual card.
- Enter your preferred card limit (how much you want to fund the card with).
Confirm & Generate the Card
- Enter your transaction PIN or OTP for security.
- Your virtual card details (card number, expiry date, and CVV) will be displayed.

How to Apply for a Virtual Card Using Internet Banking

Log in to First Bank Internet Banking
- Visit First Bank Internet Banking.
- Enter your username and password.
Navigate to the Card Section
- Click on “Cards”, then select “Create Virtual Card”.
Enter Your Funding Details
- Select the account to be linked.
- Input the amount you want to fund your virtual card with.
Confirm the Card Request
- Enter your OTP or token code for verification.
- Your virtual card will be generated instantly.

Way to Fund and Use Your First Bank Virtual Card

Once you have your Virtual Card, you need to fund it before you can use it.

How to Fund Your Virtual Card

Open the FirstMobile App or Internet Banking.
Go to “Virtual Card” and select “Fund Card”.
Enter the amount you want to add.
Confirm with OTP or PIN.

Your card is now ready for use!

Where Can You Use The Virtual Card?

Online stores (Amazon, Jumia, Konga, AliExpress)
Streaming services (Netflix, Spotify, Apple Music)
Flight bookings (Air Peace, Emirates, Qatar Airways)
Subscription services (Coursera, Udemy, Grammarly)

Frequently Asked Questions (FAQs)

Can I use my First Bank Virtual Card for international payments?

Yes! The First Bank Virtual Card works for both local and international transactions.

Is the First Bank Virtual Card free?

There may be a small fee for creating the card, depending on First Bank’s charges.

How do I check my First Bank Virtual Card balance?

What if I forget my virtual card details?

Go to FirstMobile App → Virtual Cards → View Card Details.

Is the Virtual Card secure?

Yes! It has OTP authentication and fraud protection and it is not directly linked to your main account.

Can I cancel my virtual card anytime?

Yes! You can deactivate it via FirstMobile or Internet Banking.

How long does it take to get a virtual card?

It is instant; you get your card immediately after applying.

Conclusion

The First Bank Virtual Card is a must-have for anyone who shops online or makes international payments. It gives you security, convenience, and flexibility without the risk of exposing your real bank details.

To recap, here’s why you should get a First Bank Virtual Card in 2025:

It is safer than using your physical debit card online.
It works worldwide for both local and international payments.
It is easy to create via the FirstMobile App or Internet Banking.
You control your spending by setting limits on the card.

At TeezaBiz.com.ng, we are committed to helping you bank smarter and safer. Now that you know everything about the Virtual Card, why not apply for yours today?