Frequently Asked Questions

CalBank POS terminals make payments easy and convenient at merchant locations.
They accept Visa, MasterCard, and Maestro cards for seamless transactions on goods and services.

Press and hold the green button until the VeriFone signage at the top left corner lights up. Release your hold once the blue light appears.

The battery power has totally run out. Charge the terminal before continuing with the transaction or Take the battery out and connect the terminal directly to the power source and transact. Kindly remember to return the battery and charge it fully.

A deep black line will appear at the top of the battery signal on the right of the screen. Unplug the charger once this is seen to avoid over-charging and damaging the battery.

Press and hold the red button when the POS is not connected to a direct Power Source. Release your hold when you hear a beep.

A sale is done in two ways,

OPTION 1

  1. Press the MENU button
  2. Press F1 to select SALE
  3. Insert CARD
  4. Select the currency USD/GHS
  5. Enter amount
  6. Customer enters a PIN
  7. Press the enter key
  8. After a successful transaction, a copy of the first receipt printed belongs to the merchant press any key to print the customers receipt.

OPTION 2

  1. Insert a card straight away
  2. Follow the steps d to h above

Settle batch means there are transactions waiting for settlement. Follow the steps below to settle:

  1. Press the menu button until you see BATCH SEND
  2. Press F3 to select BATCH SEND option for a retail or press F1 for a Hotel POS.
  3. Confirm the settlement by pressing the green button.

Press the menu button until you see REPRINT

  1. Press F1 to select REPRINT
  2. POS displays “REPRINT LAST Y / N”

For last transaction effected:

  1. Press ENTER to reprint last transaction

For another transaction:

  1. Press 0 (zero) to reprint another transaction
  2. Enter INVOICE Number and press ENTER
  1. If the POS has not automatically settled the transaction, then follow the process below;
  2. Press the MENU button and select VOID
  3. Enter your Supervisor PASSWORD
  4. Enter your User ID
  5. Enter the INVOICE number and press ENTER
  6. Confirm the TRANSACTION by pressing ENTER
  7. A receipt is printed for the MERCHANT
  8. Press any key for the customer receipt to be printed

All successful transactions appear in the Reports printed from the terminal. If the transaction is not captured in the reports printed, then the transaction should be performed again. The cardholder should be advised to contact their bankers on the earlier failed transaction for a reversal to be effected.

  1. Press the menu button and select REPORT
  2. Enter your SUPERVISOR Password and press ENTER
  3. Enter your SUPERVISOR USER ID
  4. POS displays F1 for SUMMARY and F4 for DETAIL
  5. Choose either F1 or F4
  6. POS prints either the Summary Report or the Detailed Report as chosen

A transaction is successful when an authorization Number appears on the two receipts that are printed out after a transaction.

The second receipt printed is meant for the cardholder. The first is for you. Both receipts are well inscribed with either Customer receipt or Merchant Receipt.

It takes 24 hours for the account to be credited, however, transactions performed on Fridays will be credited to the account on the next business day and those performed over the weekend will be credited to the account by Tuesday if the preceding day was a business day.

The transaction was not successful. Kindly refer to the table below for the next steps.

 

Error on Receipt

What to do

1.

Socket failed

Restart the device.

2.

Communication error

Check if SIM is well inserted and restart device.

 

3

Do not honour

The customer should contact their bank. The transaction is being declined by the Customer’s bank.

4.

Insufficient funds

The customer does not have enough money in their account to cater for the transaction.

5.

Incorrect PIN

The customer is entering the wrong PIN. Kindly advise customer to contact their bank if they do not remember their PIN.

6.

Chip error

Clean the chip on the SIM card and retry.

Contact CalBank on 0546850939 / 0561100839 if the feedback persists.

7.

Bad terminal ID

Select the right currency on the terminal. If the terminal is set up as a Cedi terminal, select GHS. If it is set up as a dollar currency, please select USD

Re-start the device and perform the transaction again. If this persists, kindly call the Bank on 0546850939 / 0561100839.

  1. Check if the battery is fully charged. If the battery is very low, take out the battery and connect the terminal to a direct power source and perform the transaction. Afterwards, replace the battery and charge it.
  2. Check if the network signal is high. The network signal can be found on the left side of the screen. If it is low or missing, check if the SIM is inserted properly. Re-start the machine, and perform the transaction again. Kindly contact the bank on 0546850939 / 0561100839 if the error persists.

The terminals accept both Visa and MasterCard (maestro is also accepted).

Check if the SIM has been inserted into the terminal properly. Restart the device and check again.

Check if the paper roll is well placed in the printer compartment.

  1. Lift the LATCH to open the paper roll cover.
  2. Drop the paper roll into the printer Let the paper face you.
  3. Gently CLOSE the paper roll cover.

Charge the terminal for a minimum of 4 hours and a maximum of 6 hours.

The battery is very low and needs to be charged immediately. Take out the battery and connect the terminal to a direct power source and perform the transaction. Afterwards, replace the battery and charge it.

Perform a manual settlement to confirm the transaction. If the amount is not on the settlement report this shows that the transaction is not successful. Please contact CalBank on 0546850939 / 0561100839 if the feedback persists.

  • INDIVIDUAL

Who can open an account with CalBank?

Anyone within the legal age limit (18+ years) and students in tertiary institution can open and operate an account with CalBank, provided all requirements are met. Parents/Guardians can open an account In-Trust-For (ITF) minors; these are individuals below the legal age of 18 years. Activities on this account type will be managed by the Parent/Guardian.

What do I need to open an account?

The basic requirements for account opening are;

  1. An identification; this includes one (1) passport sized picture and a valid National ID (acceptable options; Voter ID, National ID, Driver’s Licence and International Passport)
  2. Proof of address; completion of address verification form.

Applications are subject to status and internal checks.

  • CORPORATE

Who can open an account with CalBank?

Any legally registered company, enterprise or institution can open a CalBank account.

What do I need to open an account?

You will need proof of company registration. That is;

  1. Certificate of registration and form A (enterprise or sole proprietorship)
  2. Certificate of Incorporation, Certificate to Commence Business and Form 3 (Limited Liability Companies)
  • 3 years Audited Financial Statement or Letter of introduction from a Lawyer or Auditor

CalBank has an array of savings account. They include; CalBank KiddySave account, CalBank Students Account and CalBank FlexiSave account. There is also CalBank Premium Account which is a checking hybrid savings account. This account feature allows customers to draw cheque on the savings account and still earn interest.

You cannot open a zero balance account. An initial minimum deposit is required to open an account with CalBank.

CalBank FlexiSave – GHS10.00 | CalBank Students Account – GHS10.00 | CalBank KiddySave Account – GHS20.00 | CalBank Premium Account – GHS500.00

Interests earned on savings accounts are tiered. The more deposit you have in your account the higher the interest earned.

Locate any branch of CalBank (you can use the branch locator feature on CalBank Mobile App. The App can be downloaded from Google Playstore or Apple Store). Go with the required Official Valid Documents (OVD) – refer to Account Opening Requirement for Individuals and Businesses.

An account starts accruing interest from the first day account is created and money is deposited into the account.

Deposit earns daily simple interest on minimum balance on account. Daily interest earned is cumulated and added to the original deposit at month end. The interest is compounded on monthly basis and you earn interest on the interest.

CalBank has current account for individuals, SMEs (Enterprise and Sole proprietorship) and corporate business.

You cannot open a zero balance account. An initial minimum deposit is required to open an account with CalBank.

Individual – GHS10.00 | SME – GHS100.00 | Corporate – GHS250.00

Locate any branch of CalBank (you can use the branch locator feature on CalBank Mobile App. The App can be downloaded from Google Playstore or Apple Store). Go with the required Official Valid Documents (OVD) – refer to Account Opening Requirement for Individuals and Businesses.

General requirement to purchase an investment with CalBank

  1. Must be an account holder or open an account with CalBank.
  2. A completed investment form.
  3. A valid Identification.
  4. One (1) passport sized picture.
  5. A minimum amount.

CalBank InvestPlus is a uniquely designed financial investment which offers depositors a higher rate of interest as compared to a standard savings account, during the period of the investment. CalBank InvestPlus offers flexibility which allows the holder of the instrument to discount it before maturity.

InvestPlus can be purchased for a period not exceeding 12 months (1 year). That is, a minimum period of one (1) month and a maximum twelve (12) months. One can also choose to roll over the investments upon maturity.

Yes. Interest accruing from the investment will be paid into this account. Upon request by customer to discontinue investment or on maturity of the investment, funds will be paid into this account.

Interests paid are tiered. Hence, interest is determined by the tenor (period) of investment and the principal amount invested.

A minimum amount of GHS50.00 is required.

No. It can only be purchased in local currency (GHS).

This is a high interest bearing investment instrument offered to both corporate and individual clients. It is available to only CalBank account holders. It provides clients with instant liquidity with negotiable interest rates.

Yes. Interest accruing from the investment will be paid into this account. Upon request by customer to discontinue investment or on maturity of the investment, funds will be paid into this account.

It is available in fixed maturity periods of one, three, six and twelve months respectively. However, the instrument can be discounted before maturity date at no penal charge.

Interests earned are tiered. Hence, interest is determined by the tenor (period) of investment and the principal amount invested.

A minimum amount of GHS5,000.00 is required.

These are Government securities that are traded through CalBank. They are discount bills that can be traded at a discounted rate.

No. Interest on Treasury Bill (T-Bill) is fixed and non-negotiable.

No. Mobile money transaction is currently limited to MTN mobile money subscribers only.

Yes. One can have different numbers on service

Yes. Cost of ordering an personal account card is GHS8. Card Issuance fee is free for CalBank Students Accountholder only.

If your PIN gets blocked, please contact the nearest CalBank branch to request for a new PIN. However with the chip card, we can reset number of PIN tries as long as client remembers PIN code. Once client forgets PIN code, he or she has to apply for a new card.

Default daily limit has been set to GHS800, however, this can be increased upon your request.

  1. Visit your preferred online website.
  2. Order your items and go to check out.
  3. Input your card details i.e. name on the card, expiry date, card number, CVV/security code (last 3 digits behind card).
  4. Your account will automatically be debited when transaction is successful.

No. Money transfer services only allows you to receive money in Ghana.

Yes and No. You can receive cash over the counter through Western Union and MoneyGram or directly into your account through MoneyGram.

You can also receive your RIA money transfers either directly at the counter or directly into his/her account.

Chip card is a standard size debit card plastic with both an embedded chip and a traditional magnetic stripe. The embedded microchip makes your card difficult to counterfeit or copy if it’s lost or stolen. PIN stands for Personal Identification Number. The PIN is a four digit undisclosed code that is unique to you only. You will need it at the ATM, for shopping, meals, paying bills, filling up the car, withdrawing cash, etc.

Make purchases by inserting your chip card into the chip-enabled merchant terminal. You will be asked for a PIN to complete most purchases. Account details are stored securely on the chip and passed to the merchant terminal during purchase. When chip-enabled merchant terminal during are not available, the magnetic stripe on the back of the plastic can be swiped instead.

Very secure. First, the encrypted chip makes CalBank Visa Debit card difficult to copy or counterfeit. Second, you can have confidence in the protection and security features that we provide for you. However, should you notice any suspicious activity on your account, please notify us immediately.

Yes. Advance notification will help ensure that legitimate debit card purchases are approved.

Yes. You will be charged a fee if you request for a CalBank chip card.

Your PIN will be blocked if you enter your PIN wrongly more than three times. This is to protect you in the event that the card is stolen or misplaced and somebody else is trying to use it fraudulently. If your PIN gets blocked, please contact the nearest CalBank Branch.

Step-by-step instructions on how to use your Visa card

Step 1 Look for the Visa sign. If there is one, you can use your Visa Debit card in the store.

Step 2 Choose the item you would like to buy and take it to the till.

Step 3 The cashier will insert your card into the terminal at the till.

Step 4 Enter your PIN and wait for OK to appear on the screen.

A Visa Card allows you to spend without having to carry cash around and it is also used at the ATM

A Visa card allows you to make every day purchases. It is a safe and convenient alternative to cash.

Visa cards can be used in all shops where the Visa acceptance sign is shown

Keeping your money safe:

…Keeping your money safe means that you have to keep your card safe

Treat your card like cash and DO NOT leave it lying around anywhere.

You can pay for your goods at a shop with your Visa card. This means you don’t have to carry cash.

…keeping your money safe

Report a lost or stolen card immediately.

Make sure that you know your bank’s phone number in case you need to stop your card.

Cover the PIN pad with your hand when entering your PIN.

Stop your card straight away by calling CalBank. You can also stop your card yourself using CalNet.

Because your card has PIN, No-one else should be able to use it at an ATM as long as you have kept your PIN a secret.

Your card will be replaced instantly of you reporting it stolen or missing.

Yes, our new cash – In ATMs allow you to do your banking at a time that’s convenient to you.

Your deposit is credited to your account instantly.

Our Cash – In ATMs put you in control of your banking and you can relax knowing that your money is secure and accounted for.

Cash deposits are credited to your account instantly.

You can deposit up to 50 notes at a time

Make deposits 24/7. Avoid Long queues.

Tips for using Cash – In ATMs

ATMs take Ghana Cedis only and won’t accept unrecognized notes and coins.

The Notes accepted are GHS 1, GHS 2, GHS 5, GHS 10, GHS 20 AND GHS50.

At home, put notes into bundles of 50.

At the ATM select the option for depositing notes. Remove envelopes and foreign objects such as paperclips, pins and coins before inserting notes into deposits slot.

Tips for using Cash – In ATMs

  1. Insert your CalBank Card only and won’t accept unrecognized notes and coins.
  2. Insert notes (up to 50 notes) with their long ends into the slot (unrecognized notes will be returned).
  3. Confirm your cash deposit into the right account
  4. Once confirmed, the amount will reflect in your account in real-time

 

REMEMBER!

Always Keep your PIN a secret.

CalBank will never ask for your password, OTP, or full card details via email, SMS, or phone. Always check the sender’s address, avoid clicking on suspicious links, and when in doubt, call our customer service to verify.

Immediately contact CalBank Customer Support at 📞 +233 302 680 061 or 📧 info@calbank.net. We’ll help secure your account, reset your credentials, and guide you on the next steps.

We recommend changing your password every 60 to 90 days and immediately if you suspect it has been compromised. Avoid reusing old passwords or using the same password across different platforms.

MFA adds an extra layer of security by requiring a one-time code in addition to your password when logging in or performing sensitive actions. It helps prevent unauthorized access even if your password is compromised.

We strongly discourage it. Public Wi-Fi is often insecure and may expose your information to cybercriminals. Always use secure, private networks when accessing your CalBank accounts.

If your device is slower than usual, behaving erratically, showing pop-ups, or apps are opening without your input, it could be infected with malware. Avoid accessing banking services on such devices until they are scanned and secured.

We use Encryption, secure login protocols, multi-factor authentication, and continuous monitoring to ensure your data is protected at all times.

You can report them by:

· Calling 📞 +233 302 680 061

· Emailing 📧 info@calbank.net

· Visiting our nearest branch Please include screenshots or descriptions when possible for faster resolution.

Yes. Biometric authentication (fingerprint or facial recognition) is a secure and convenient way to access your accounts and provides an extra layer of protection.

We regularly share cybersecurity tips, alerts, and awareness campaigns through this page, our mobile app, email newsletters, and social media. Stay connected and informed by visiting this page frequently.

You need to call the issuing Bank immediately. A remote unblock request will be sent to the Shell station you are. After a successful manual download is carried out, your card will be unblocked. You will however be able to use the card only if you know the correct PIN.

Insert the card back into the POS immediately. The transaction will be completed and card unblocked.

Your card has an expiry date. This is however automatically renewed for a year if the card is used within three months of expiry.

All prepaid customers will have their remaining balances rolled over.

Every card has a unique five-digit number behind it. This five-digit number helps keep track of issues concerning the card. For example, the five digit number is required when a top up needs to be done or your card unblocked remotely during a PIN Block.

It is an Electronic Payment System which uses 2kb microchip embedded on it (smart card).

By signing an application form.

The CalBank Shell Card application form card can be accessed at any CalBank Branch.

It takes five (5) working days to issue a card after an application form has been completed.

Each CalBank Shell Card comes with a confidential Personal Identification Number – PIN.

A customer can also request for a Driver Code-multi-driver option.

A choice of appropriate product combinations suitable to a Card Holder can be selected.

Card can be restricted geographically.

Card usage can also be restricted to day and night usage only.

Access to Shell quality fuels and other product – Super Extra, V.Power, Diesel Extra, Helix etc.

Monitor vehicle fuel consumption efficiency.

Security of card ensured.

The convenience of fleet management guaranteed.

Show your card to the pump attendant.

He would quickly reach for the POS.

Tell the pump attendant which Shell product you intend to buy.

Hand over your card to him.

He checks your card status, then, serves you.

All CalBank Shell Card customers must not disclose their PIN/ Driver code to third parties. Input your PIN/Driver code personally into the POS during transactions.

A request for a PIN would be given only from an approved authority known to the bank.

The card would be automatically blocked after three unsuccessful attempts.

Inform the Bank about the loss and the lost card will be blocked and a new card issued.

Top up is done at any CalBank Branch

No. All top ups or re-loading are done remotely.

You can check your top up on your card at any Shell Station with the POS. Note; after a Card is re-loaded; the top up is effective the following day. For same day use, the POS must perform a successful download. Customers’ should request for a download before using on the same day of top up.

Yes. Every Cardholder will receive a monthly electronic statement at the end of each month upon request.

Indeed you can get CalBank Shell Card for all machinery and plants.

CalBank Mobile Banking Service is an easy way to access eligible your CalBank accounts from anywhere, at any time, using your mobile phone. You can use our USSD Code (*771#) to securely view your account balances and activity, transfer money between accounts or pay bills.

Our CalBank Mobile Banking is designed specifically for mobile phones and it runs on the USSD application. It does not require internet access to function.

CalNet on the other hand can be accessed with a computer, tablet or phone, but requires internet access to function. You can check your account balance, review your transactions, transfer funds between CalBank Accounts and pay bills through either CalNet or CalBank Mobile Banking.

You can perform the following services from the CalBank Mobile Banking Service:

  • Check Balance
  • Transfer Money to one’s CalBank Account
  • Transfer Money to another CalBank Account
  • Purchase Airtime for yourself
  • Purchase Airtime for another person
  • Transfer funds:
    CalBank Account to MTN Mobile Money Wallet
    MTN Mobile Money Wallet to one’s CalBank Account
    MTN Mobile Money Wallet to another CalBank Account
  • Change your bank personal information

There is NO fee to use the service

You can access multiple bank accounts provided they were indicated during the registration form completion.

If you’re a CalBank customer; kindly visit any of our branches around the country and fill an application form with your details.

If you do not have a CalBank account, please visit any CalBank Branch, open a CalBank account to access the service.

Please contact our Customer Care Team at any CalBank Branch or call us toll free on 0800 500 500 or email customercare@calbank.net for assistance.

Yes. The service is currently available on MTN, Vodafone and Airtel mobile carriers.

No. It’s a USSD application service, which does not require any application download or usage of smart phones. Similarly, it works on any phone.

Please contact any of our Customer Care Team at any CalBank Branch or toll free on 0800 500 500 or email customercare@calbank.net for assistance.

You should follow all steps recommended by your service provider if you lose your phone and contact any of our Customer Care Team at any CalBank Branch for assistance. You can also call us toll free on 0800 500 500 or via email at customercare@calbank.net.

All transactions performed on CalBank Mobile Banking Service are authenticated with a 4 –digit PIN known to the subscriber only.

A subscriber has the option to change the PIN at his/her own discretion.

Our CalBank Mobile Banking Platform is secured and keeps your personal information safe.

Yes, you can transfer funds between your eligible CalBank Accounts and to other third party accounts in CalBank.

It is as simple. Once you have registered your phone number and account numbers at the branch, you will receive a text message to which you can reply with your activation code by dialling the short code *771# to activate. You will also be asked to enter your own security pin (4 digits).

Yes. You can change your CalBank Mobile Banking PIN directly from your mobile device. Changes take place immediately. From the menu, select Change pin and follow the instructions.

Contact us on customercare@calbank.net or chat live with us on our website or call the following numbers for assistance 0302 680061-9. You can also call us toll free on 0800 500 500.

Subscribers have a minimum default limit of GHS1,000. Subscribers can however, request for their preferred limits by completing requisite forms at the bank branch.

You can use the service provided you are on a roaming plan from your network provider.

 

Western Union, MoneyGram, RIA

Your name on the transfer record, completed by the person sending you the transfer, must exactly match your name as it appears on your official ID.

Ask for the reference number associated with your transfer. The person sending you the money transfer will have the reference number.

  • Visit any CAL Bank location.
  • Bring your reference number and personal valid photo identification.
  • Complete the receiver form at the Bank and hand the completed form to the Teller.
  • Then you will be given your money.
  • You will be required to provide personal identification, usually one or more of the following: Voter’s license ID, passport and National driver
  • You may also be required to provide proof of address Requirements
  • Money is usually available for pickup within 10 minutes* of being sent with our same day service.
  • Transfers sent with the other service are usually available within three business days.

Proxy Pay is a service that allows a customer (individual or Corporate) of a financial Institution to register a mobile number or an alias that is uniquely mapped to their bank accounts. Payments from other parties to that account will require provision of the alias or phone number only.

Please follow the steps below to register on the mobile banking service;

Dial *771#>> Select Option 7 (Other Services)>> Select Option 4 (Proxy Services)>> Select Option 1 (Register Proxy)>> Select Source Account>> Select phone number to use as proxy ID

No. You can only link one telephone number or an alias to one bank account.

No, you cannot link your phone number or same alias to different account in different banks.

Yes. Please follow the steps below to unsubscribe

Dial *771#>> Select Option 7 (Other Services)>> Select Option 3 (Delete Proxy)>> Select proxy ID to delete>> Enter your PIN

You don’t need a smartphone to receive or send money using a proxy identifier.

Payments to your phone number will still go to your bank account but it is advisable to inform your branch or contact center for de-registration.

Yes. Please follow the steps below to register your corporate account

Dial *771#>> Select Option 7 (Other Services)>> Select Option 4 (Proxy Services)>> Select Option 1 (Register Proxy)>> Select Source Account>> Input text to use as proxy ID

Please call your branch or our contact center on 0800 500 500

Customers and non-customers of the bank can use Calpay as long as they sign up to the solution.

Once the sign up process is successful, you can start performing transactions instantly.

It is possible to reset your password on the platform by clicking on the “forgot your password? Click here to reset” and following the prompt.

The limits set on the source channel of payment (bank accounts, cards and mobile money) applies to every transaction.

CalPay is an Internet-based payment gateway solution which facilitates online payments using any brand of MasterCard or Visa Card issued locally or by any foreign bank, MTN Mobile Money wallet or CalBank Account.

Yes, CalBank  can be used anywhere provided there is internet connection.

No, you only add CalBank accounts to the platform to make payments from. However, you can add other bank Visa/MasterCards which means you have indirectly linked your other Bank Account to the App.

No, you can only add your MTN mobile money wallet to your profile.

Yes, you can add a card from another bank to the platform once you can provide the exact amount (minimal) debited on the card during the process of adding the card.

Yes, you can order items from shops in the “Virtual Shop” and laisse with merchant for delivery.

Yes, you can purchase airtime for all networks.

Yes, you can easily pay your school fees to the schools available on the platform using any of the channels available.

Yes, you can see all transactions you have performed on the platform by going to the “History” tab selecting “Paid invoices”

You can make payments to a number of merchants on the platform and these merchants are categorized under the “CalPay and Virtual Shop ” section. Example Restaurants, Pharmacies, Hotels etc.

The CalBank App debits your card and credits your Calpay wallet on the platform by way of validation. This is a measure taken to curb fraudulent activities.

Yes, you can purchase surfline, Vodafone broadband and busy4G on the platform.

Yes, the CalBank app is able to scan QR to make payments to merchants who accept it.

Yes, once you have signed onto the platform, you have a CalPay wallet automatically and you can load this wallet from your CalBank account, Cards and Mobile Money wallet. You can use the CalPay wallet to make payments as all the other channels and this wallet only depends on internet to work and not any bank or telco network.

Yes, you can locate CalBank branches, CalBank ATMs, CalBank POS merchants and CalBank Agent locations across the country on the platform.

You can go to the “Support” section on the platform, send a mail on your complaint/suggestion or you can also call 0800500500 and you will be assisted.

It is a card security service, which aids in confirming the identity of a cardholder when a CalBank Visa Card is used; protecting, authenticating and providing an extra layer of security for online transactions.

To ensure customers are not inconvenienced, CalBank Visa Cardholders are automatically registered on the service once a card is issued out.

The One Time Password (OTP), is a randomly generated six-digit code that is sent to your registered phone number and email address with the bank whenever you undertake a transaction on Visa. The code is required to authenticate a cardholder for online transactions.

The OTP is sent to ONLY the primary phone number and email address on a cardholder’s profile with CalBank. It is always recommended that customers provide their primary phone number and emails when signing on for a Visa card.

The OTP serves as a secondary authentication service. This helps to protect cardholders from fictitious sites and activities on their cards.

By default, the OTP is sent to the registered phone number. However, customers can initiate request to their e-mail accounts.

Cardholders can initiate a resend to the phone number and email address. Customers have three attempts. If challenge persists, kindly contact the bank.

The VbyV service is free for all CalBank Visa Cardholders.

Websites that have plugged in to the Verified by Visa service will redirect cardholders to the VbyV page. However, cardholders are advised to research and be sure of credibility of online websites before transacting

Customers can contact the Customer Care Team via mail (customercare@calbank.net), Call (233302739900) or Toll-Free (0800500500) for further assistance.