No, Seriously, Why You Should Have Your Card Enabled for SafeToken

straight face

ATM Card activation for Safetoken registration for use on Quickteller and other WebPay enabled websites is all we seem to talk about these days. But why should you stress yourself or even bother to do it?

Here’s why:

1. It enables you carry out online transactions above the default limits set by your bank

2. It provides greater online security of your transactions:
a. As your card is tied to your phone
b. As generated One-Time Passwords (OTPs) are sent to your registered phone number and/or email

3. You can enjoy the Remember Card feature for Verve Cards which:
a. lets you list one or more activated Verve Cards as payment options
b. requires only your CVV2 and PIN to complete transactions

4. It enables you use the other Quickteller payment platforms - USSD, SMS & IVR with ease


There are 3 ways you can enable your card for Safetoken for use on Quickteller and other WebPay enabled websites:

1. Activation by your Bank

Upon request for an ATM (Verve or MasterCard) card at your bank, kindly ask for the card to be activated/ registered for Safetoken for use for online payments. (GTBank issued cards are exempted from this).

When activated/registered, your bank will by default send you the OTP via text or email whenever you are about to make payments online. However, if you do not receive the OTP after 5 minutes, you will be prompted to send a code to 32122 to generate the OTP which would be sent to your phone via text.

2. Self-Activation at the ATM

(Ecobank Verve Card holders would not need to self-enrol via the ATM as the bank will automatically do this for them.)

Perhaps you got your card ages ago, now you don’t have to go to the bank to get it activated/ registered for Safetoken. You can simply head to the nearest ATM and carry out the activation yourself by following these simple steps:

** How to Activate Your ATM Card

  1. Visit an ATM
  2. Insert your card
  3. Select Quickteller
  4. Select “Pay bills”
  5. Choose your account type
  6. Select “Others”
  7. Enter 322222 as the payment code
  8. Enter your phone number as ‘Customer Reference’
  9. Accept the N1.00 amount displayed
  10. Follow prompts to complete the activation
  • Please note that you will be charged a total of N101.00 only with N100 being the convenience fee.

When activated/registered, whenever you are about to make payments online an OTP will be sent to your registered mobile phone via SMS.

3. Activate on the Quickteller App

If you have the Quickteller App on your phone you can activate your card on it. However, this on-app activation is limited as it does not permit you to carry out transactions of more than N200 at a time. Full card activation at the ATM or by the bank is required for transactions of a higher value.

When activated/registered you can generate an OTP on the Quickteller App by selecting and clicking “Get Safetoken” and choosing the bank card listed.

Quickteller user it is important to note that Safetoken registration, enables your Verve Cards for use on the Quickteller App.

Should you have a problem with your Safetoken registration after you have tried any of the three ways above kindly contact or call 01-9065000.

Please follow this blog for more information on Quickteller. Thank you!


For more on Safetoken, please read:

Registered for Safetoken? The Screen Prompts You May Encounter

3 Great Ways to Get Your Safetoken OTP

Safetoken? OTP? Transaction Limits? For Your Protection


  1. Paul Ezeani

    This is the Error I get when I try to activate my Verve ATM card for Online webpay services….I want to pay for an online Ewallet and the response I get is this transaction is not available to this Cardholder… And again I followed your instructions on activation of ATM for online payments and I get this Error. ISSUER OR SWITCH INOPERATIVE…I use a Verve card issued by the Defunct Intercontinental bank PLC…

  2. kayode oluseun david

    I already activate my safe token on ATM .. But after I requested for my OTP through SmS to the code 32122 .. The response that I got was .Unable to generate OTP at this time, please try again later. What is the solution pls?


    I use GTB and FBN internet banking service.
    The banks already provided me with theit Token Module which I use for generating token number for all my online transactions.
    Would I still be needing OTP?
    Thank you.

    1. Tejiri Oghenekaro

      Oladayo hi, thank you for choosing Quickteller. As a GTBank customer and hardware token holder, kindly use your hardware token issued to you by the bank to generate your OTP for use on Quickteller and other WebPAY enabled platforms. However, if you are using your FBN card to pay, you will not be able to use your hardware token as it has not been enabled for use on Quickteller and other WebPAY enabled websites. Pls read for more information. Thank you.

  4. Kennedy

    Hi. I have registered my Sterling Bank card for safe token. However, during a transfer, I was prompted to send ‘SBP OTP’ to 32122 for my one time password. But as I did that, I got the following reply: ‘Initial keyword not recognised as bank or merchant name. Check spelling of first word and resend.’ I’ve done this three times yet I receive same codes i.e. SBP OTP to 32122, which I send and got the same reply everytime!
    I do this with my desktop PC, and no, there is no chance I am reading the codes wrongly.
    Can you explain this and give a solution please?

  5. Samuel Bon

    I have tried the self activation on my ecobank ATM twice, was charged 220 nadir a only, but to this very moment am yet to get any OTP, and trying to pay bills online am told my card is not recognized, what’s really happening ? Help needed.

    1. Tejiri Oghenekaro

      Samuel hi, thank you for trying to activate your Ecobank card. As an Ecobank card holder please contact your bank to get your card enabled for Safetoken OTP. Ecobank has requested that their card holders be asked to contact them going forward for Safetoken registration. We look forward to your continued use of Quickteller! Thank you.

  6. igboke Ndubisi

    I already activate my safe token on
    ATM .. And then it worked for sometime and after I requested for my
    OTP through SmS to the code
    32122 .. The response that I got
    was .Unable to generate OTP at this
    time, please try again later. What is
    the solution pls?

  7. thomlazarus

    Pls can i change my former number to the one am using now through atm quicktella at nearest bank like i do register my first number and have misplace it now?

    1. Sabinus

      Michael hi, the payment codes for GOtv are as follows:
      GOtv Mobile (N500) = Payment Code 459113
      GOtv (N1000) = Payment Code 459112
      GOtv Plus (N1500) = Payment Code 459111

      Thank you for choosing Quickteller!

  8. Sweet

    I can no longer make any online payment without being harassed to register for safetoken. Is this Safetoken service compulsory for verve cards and why has my choice to say ‘NO’ been taken away from me without any recourse? I ask because I’d rather do without the added hassle and tedious process of getting a token. I also want to know if those replying these mail even read them at all before automatically redirecting us to an email address that may not reply my mail for weeks.

  9. DAV

    Hi, I got this verve debit card yesterday at about 5.00pm, I tried to make payments but I got this error message “TRANSACTION ERROR”. I tried today, I got the same error.

    I don’t know if the card is activated for web pay and I have not used before.

    Can I activate it online myself and how long will it take?
    Can I spend upto 40k for an item online because I don’t understand what the “N200″ mean from the explanation above.

    Please Its urgent my deadline is today!

    1. Sabinus

      Hi DAV, you can self-activate your Verve card at the ATM. Here are the steps to follow: ** How to Activate Your ATM Card
      Visit an ATM
      Insert your card
      Select Quickteller
      Select “Pay bills”
      Choose your account type
      Select “Others”
      Enter 322222 as the payment code
      Enter your phone number as ‘Customer Reference’
      Accept the N1.00 amount displayed
      Follow prompts to complete the activation
      Please note that you will be charged a total of N101.00 only with N100 being the convenience fee.

      The limits are dependent on the bank and the type of transaction you are trying to carry out.

      Pls read for more information:

  10. ene

    I have nineteen digits at the front of my atm verve card. Pls is that my card number? Because I tried sending money to someone through quick teller and am being asked for my card number

  11. paul omoefe

    i downloaded d interswitch app i tried activating it but keeps on showing my card has been regostered with another wallet what do i do

    1. Sabinus

      Paul hi, thank you for choosing Quickteller. This may happen for a number of reasons, for example if you have registered the card with another mobile payment application. To sort this out pls send an email to or call 01-9065000.

      1. Alafe samson

        I lost my sim that my bank use for me to activate OTP,so av changed my bank accounts phone number but the number I used for my OTP did not changed what can I do to change it to my new number

    1. Sabinus


      Your CVV2 is the last three digit number behind your debit card. Simply input it to complete transactions.

      Thanks for choosing Quickteller.

  12. ugboko victor

    Sorry please I tried a transfer on quick teller and it sent me an otp code but it sent it to a number I no longer use I went to d bank and they said I would do that on otp site please email me your reply on what I should do thanks…

  13. Ononogbo victor

    The number i gave to the bank when i opened an account with them is lost,can i use another number to register for safe token

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