Question 1

What is a Kalabash card?

Accepted Answer

A Kalabash card is a multi-currency Mastercard you request and manage from the Kalabash app. Fund it in Naira, spend in USD or NGN worldwide, and earn up to 10% cashback at partner merchants.

Question 2

How do I request a card?

Accepted Answer

Tap “Request your card”, verify your phone and email with OTPs, complete a quick KYC (BVN, NIN and address), create your Kalabash Wallet, then pay the one-time issuance fee. Most cards are ready within a few days.

Question 3

How long until I receive my card?

Accepted Answer

Cards are usually ready within 5 working days, with delivery or pickup options. You’ll get updates in the Kalabash app.

Question 4

Who can apply for a Kalabash card?

Accepted Answer

Residents of Nigeria with a valid BVN/NIN and a verifiable address. You’ll complete identity verification during the request flow.

Question 5

Which currencies are supported?

Accepted Answer

USD and NGN, depending on the card you choose. You can hold and spend in both across the lineup.

Question 6

What makes the Elite Card different?

Accepted Answer

The Elite Card is our flagship: a black metallic finish, airport-lounge access across 135+ countries, the highest limits and the richest cashback tier.

Question 7

What is the Naira Card best for?

Accepted Answer

Everyday local spending in Naira (online and in-store anywhere in Nigeria) with full Mastercard acceptance.

Question 8

Is the Virtual Dollar Card issued instantly?

Accepted Answer

Yes. The Virtual Dollar Card is created instantly in the app, perfect for subscriptions and online shopping like Netflix, Spotify and ads.

Question 9

What is the Pilgrim Card for?

Accepted Answer

The Pilgrim Card is purpose-built for the Hajj & Umrah journey, in partnership with Wakanow, so you can spend smoothly throughout your pilgrimage.

Question 10

How do the Deluxe and Leisure cards compare?

Accepted Answer

Both are premium USD cards for international spending. Deluxe is geared toward everyday global use with platinum perks; Leisure is tuned for holidays and getaways.

Question 11

Can I have more than one card?

Accepted Answer

Yes. Once you have a profile you can add more cards from the app, for example a Naira Card for local spend and a Virtual Dollar Card for subscriptions.

Question 12

How do I fund my card?

Accepted Answer

Fund directly from the Kalabash app in Naira. For USD cards, your Naira is converted to USD at market-friendly FX rates before it reaches the card.

Question 13

What exchange rate do you use?

Accepted Answer

We use competitive, market-friendly FX rates. The exact rate and converted amount are shown in the app before you confirm any funding.

Question 14

How do I top up the Virtual Dollar Card?

Accepted Answer

Fund it in-app from your Naira balance. The amount is converted to USD instantly so the card is ready for online payments.

Question 15

What does a card cost?

Accepted Answer

A one-time issuance fee per card, starting from ₦1,075 for a Naira Card. There are no hidden monthly charges, just market-friendly FX when you fund.

Question 16

Are there monthly maintenance fees?

Accepted Answer

No. You pay a single issuance fee per card; after that there are no monthly maintenance fees.

Question 17

Why is the Elite Card’s fee higher?

Accepted Answer

The Elite Card carries premium benefits (metallic build, lounge access, higher limits and the top cashback tier) reflected in its one-time issuance fee.

Question 18

Are my funds and card secure?

Accepted Answer

Every card has Mastercard zero-liability protection, 3D-Secure for online payments, chip + PIN, and instant freeze from the app.

Question 19

Can I freeze my card?

Accepted Answer

Yes. Freeze and unfreeze instantly from the Kalabash app, and set spending controls in seconds.

Question 20

What if my card is lost or stolen?

Accepted Answer

Freeze it immediately in the app to block new transactions, then contact support to block it permanently and request a replacement.

Question 21

Where is the card accepted?

Accepted Answer

Anywhere Mastercard is accepted: over 30 million locations across 210+ countries, online and in-store.

Question 22

How do I manage my card?

Accepted Answer

Everything lives in the Kalabash app: fund, track live transactions, freeze, set limits, reset your PIN and view balances.

Question 23

How do I reach support?

Accepted Answer

Reach us on WhatsApp, by email at customersuccess@kalabash54.com, or by phone. See the support options on this page.

Got questions?We've got
answers

Getting started

Cards & limits

Funding & FX

Fees & pricing

Security

App & support

Still need
help?

Everything in your
pocket

Got questions?We've gotanswers