Question 1

What is a Wakanow Ghana card?

Accepted Answer

It's a Mastercard you request and manage online. Fund it in Ghana Cedis, spend in any currency worldwide, and earn up to 10% cashback at partner merchants. The card is issued by Zenith Bank in partnership with Mastercard.

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 (your Ghana Card number and your 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

Physical cards are usually ready within 5 working days, with delivery or pickup options. The Virtual Ghana Card is issued instantly. You’ll get status updates online.

Question 4

Who can apply for a card?

Accepted Answer

Residents of Ghana with a valid Ghana Card and a verifiable address. You’ll confirm your Ghana Card number and address during the request flow.

Question 5

Which currencies are supported?

Accepted Answer

You fund in Ghana Cedis and spend in any currency worldwide, with full Mastercard acceptance online and in-store.

Question 6

What is the Ghana Card best for?

Accepted Answer

The Ghana Card is a physical Mastercard for travel and everyday spend: fund it in Cedis at home and spend in any currency worldwide. It also earns cashback at partner merchants like Jumia, Glovo, Bolt and MTN.

Question 7

Is the Virtual Ghana Card issued instantly?

Accepted Answer

Yes. The Virtual Ghana Card is created instantly online, perfect for subscriptions and online shopping like Netflix, Spotify and ads.

Question 8

Can I have more than one card?

Accepted Answer

Yes. Once you have a profile you can add more cards online — for example the physical Ghana Card for travel and a Virtual Ghana Card for subscriptions.

Question 9

How do I fund my card?

Accepted Answer

Fund online in Ghana Cedis — no currency conversion at funding. Pay from your Kalabash Wallet, or via other channels: bank card, mobile money (MTN, Telecel, AirtelTigo) or bank transfer.

Question 10

What payment methods can I use?

Accepted Answer

Your Kalabash Wallet, or “Pay via other channels” which covers bank cards, mobile money (MTN, Telecel, AirtelTigo) and bank transfers. The same options are available when you order a card and when you fund one.

Question 11

How does spending in another currency work?

Accepted Answer

You hold and fund your balance in Cedis. When you pay in a different currency, Mastercard converts it at the point of sale using its exchange rate — there’s nothing extra for you to do.

Question 12

How do I top up the Virtual Ghana Card?

Accepted Answer

Top it up online in Cedis, straight from your Wallet or via other channels (card, mobile money or bank transfer). It’s then ready for online payments in any currency.

Question 13

What does a card cost?

Accepted Answer

A one-time issuance fee per card — GH₵6 for the Virtual Ghana Card and GH₵12.50 for each physical card (Ghana Card, Ghana Blue Card and Ghana White Card). There are no hidden charges.

Question 14

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 15

How does cashback work?

Accepted Answer

The physical Ghana Card earns up to 10% cashback when you pay at partner merchants such as Jumia, Glovo, Bolt, MTN and Booking.com. Each offer has its own minimum spend and cap, shown in your dashboard.

Question 16

Are my funds and card secure?

Accepted Answer

Your card is issued by Zenith Bank in partnership with Mastercard, with Mastercard zero-liability protection, 3D-Secure for online payments, chip + PIN, and instant freeze online.

Question 17

Can I freeze my card?

Accepted Answer

Yes. Freeze and unfreeze instantly online, and set spending controls in seconds.

Question 18

What if my card is lost or stolen?

Accepted Answer

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

Question 19

Where is the card accepted?

Accepted Answer

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

Question 20

How do I manage my card?

Accepted Answer

Everything lives in your online dashboard: fund, track live transactions, freeze, set limits, reset your PIN and view balances.

Question 21

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.

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