Order a Pady card

A Pady card gives you online-safe spending, contactless in-store, and full control from your phone. You can freeze it, set daily limits, and even change the PIN — all in about ten seconds.

1. 1

   Open Cards from the bottom nav

   Tap Create new card. You'll be asked to choose between Virtual (instant) and Physical (delivered).

2. 2

   Set a card name

   Something like 'Subscriptions' or 'Business spend' — you can create up to five separate cards and track spending on each.

3. 3

   For virtual: it's active immediately

   Number, expiry, and CVV appear on-screen. You can add it to Apple Pay or Google Wallet with one tap.

4. 4

   For physical: confirm your delivery address

   We use a rider service that delivers to Lagos, Abuja and Port Harcourt in 3 working days. Other cities: 5–7 days. You'll get an SMS when it's out for delivery.

5. 5

   Activate the physical card on arrival

   Scan the QR code on the card sleeve, set your ATM PIN, and you're done.