Visa Gold Card

For our High Net worth Individuals (HNI), the GTBank Visa Gold Card is a premium card that enhances your exclusive lifestyle.

Wide Acceptance: Cards are accepted on over 11,000 Visa ATMs and 22 million Visa Point of Sale Terminals worldwide for payment of goods and services (excludes Visa Domestic Cards).

Greater security: Cards are chip based with all cardholder information encrypted. A transaction can only be authorized with the correct PIN. This restricts unauthorized use of your Visa card

Convenient: Cash withdrawal and other ATM transactions can be made at any time of the day offering you 24hr access to your money.

Extremely simple: it is simpler than writing a cheque or making payment with cash

Funds transfer: Transfer of money can be made from one GTBank Visa card to another or in between accounts if the card is linked to two or more accounts.

Record keeping: Each purchase or withdrawal is recorded automatically on your monthly bank statement, helping cardholders track and manage their expenses.

I/We hereby apply for a GTBank Card (the “Card”). I/We declare that the information provided in this application is true and correct and shall advise you of any changes thereto. I/We hereby authorise GTBank to verify any information from whatever sources it may consider appropriate.

I/We also agree to be bound by the following terms and conditions: 

1. I/We understand that if I/we fail to do so, I/we may increase the chances of fraud occurring on my/our account, and GTBank shall not be responsible in any way whatsoever for any unauthorised transactions on my/our account during this period.
2. I/We undertake that this application, signed by me/us, is for the issuance of a Guaranty Trust Bank (Ghana) Ltd (GTBank) Card for myself/ourselves and for my/our use and that in doing so, I/we do not represent the interest of someone else. 
3. I/We understand that GTBank may decline my/our application and the reason(s) for the decline will be communicated to me/us. 
4. I/We understand that the Card remains the property of GTBank and I/we shall surrender it unconditionally and without reservation upon demand by GTBank. 
5. I/We undertake not to use or attempt to use the Card without sufficient funds in my/our account to cover ATM withdrawals or complete online or Point of Sale (POS) transactions. 
6. I/We undertake not to use or attempt to use the Card after GTBank has notified me/us of the cancellation or withdrawal of same. 
7. I/We undertake to immediately advise GTBank when the Card is lost, stolen or misplaced, giving details of surrounding circumstances. 
8. I/We understand that I am/we are liable for any transaction that occurs on my/our account prior to reporting loss of my/our Card. 
9. I/We undertake to promptly return all found Cards previously reported as lost to GTBank in the event that I/we do find them. 
10. Under no circumstances shall I/we disclose my/our Personal Identification Number (PIN) to anybody, including family members, business colleagues and GTBank staff, and GTBank shall not accept any liability should I/we disclose my/our PIN to another person. 
11. I/We recognize that I am/we are not allowed to give my/our Card to anyone except those involved when performing a Point of Sale (POS) transaction. The Card is owned by GTBank and has been given to me/us in trust and is therefore not transferable. 
12. I/We hereby authorize GTBank to debit my/our account directly with all transaction amounts undertaken at Point Of Sale Terminals, Online or ATMs with my/our Card and I/we take full responsibility for these transactions. I/We also agree to accept GTBank’s receipt of withdrawals and transactions as conclusive and binding. 
13. I/We understand that GTBank is authorized to debit my/our account with fees in respect of the Card, for issue, use, and renewal or for providing the service herein. 
14. I/We understand that the exchange rate used for all foreign currency transactions shall be decided by GTBank and shall be binding on me/us. GTBank reserves the right to vary exchange rates from time to time based on prevailing market conditions. 
15. I/We understand that GTBank reserves the right to terminate the services at any time without any liability whatsoever with subsequent notice to me/us. 
16. I/We understand that GTBank reserves the right to vary these terms and conditions at its discretion with subsequent notification to me/us. 
17. I/We understand that GTBank and its agents reserve the right to ask for proof of my/our identity if the Card is presented at its teller counters or merchant points. This measure may be followed from time to time in order for GTBank to protect its esteemed customers against any possible fraud. 
18. I/We understand that if I/we fail to collect my/our Card(s) after Three (3) months of issuance, GTBank shall be authorized to destroy the Card. 
19. I/We understand that one (1) month prior to the expiry of my/our Card, I/we have the option to renew or cancel my/our Card. In the event that I/we opt to renew my/our Card, the Bank will be automatically renew the Card upon expiry and sent to my/our preferred pickup branch, as indicated in the Bank's records. 
20. I/We am/are responsible for updating my/our preferred branch details in a timely manner. 
21. I/We agree to spend or withdraw funds not exceeding the Bank of Ghana’s Foreign Exchange Control Regulation limit of Ten Thousand United States Dollars (USD10,000.00) per trip outside Ghana. I/We understand that this limit may be reviewed from time to time by the Bank of Ghana. 
22. These terms and conditions are governed by the laws of the Republic of Ghana. 
23. I/We unconditionally and irrevocably agree to abide by all the terms and conditions contained in this Agreement and l/we agree that my/our failure to do so may result in any of these penalties:

• Blocking of my/our card.
• Withdrawal of the international functionality of my/our card.
• Complete withdrawal of my/our card.