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It’s your NSSF account,
your bank and loyalty benefits,

Introducing the new NSSF Smart Card

Signup and experience a new level of possibilities

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Introducing the NSSF Smart Card, a three-in-one membership card that embeds NSSF functionality, bank functionality and a loyalty program. This card is a more functional upgrade of the earlier membership cards previously issued by the Fund.

NSSF members can do the following with the Smart Card;

  • NSSF Account: Withdraw your NSSF savings upon qualification for any benefit, make contributions to the voluntary savings plan, use it for member identification at an NSSF and so much more.
  • Bank Account: Deposit money from other sources and withdraw money from your NSSF Smart Life bank account, pay bills, make transactions online, at a physical point of sale or withdraw at an ATM machine.
  • Loyalty Benefits: The NSSF Smart Card qualifies you for amazing discounts on selected services and products at partner merchant outlets. Our list of merchants is expanding to cover more products and services.

The Fund is transitioning from ordinary laminated cards to a functional Chip and PIN plastic card, that supports various transactions, gives members access to bespoke loyalty offers and supports faster payment of NSSF benefits to qualifying members. This card also bears the technology to enable future product innovations. The NSSF Smart Card is powered by Centenary Bank and VISA.

 

Key Features

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The NSSF Smart Card product is made up of two distinct but equally capable card products; the NSSF Debit Smart Card and the NSSF Prepaid Smart Card.

The Debit Card comes with an NSSF Smart Life Account maintained in Centenary Bank to help a member access more banking services whereas the Prepaid Card can be loaded with money for one to make purchases or transactions.

Debit Card

  • Minimum account opening balance - UGX 20,000
  • Minimum account balance - UGX 10,000
  • Attached to a Smart Life Account accessible at any branch, agent point, CenteMobile and ATM.
  • Issuance of monthly electronic account statements
  • Transaction SMS alerts
  • Does NOT attract monthly account maintenance fee
  • Permits cash withdrawal by completing a withdrawal voucher at Centenary Bank or over the ATM
  • Deposit by way of cash at a Centenary Branch or agent point, ATM, wire transfer, mobile banking, cheque, and any acceptable means of deposit.
  • The account is operated in Uganda shillings.
  • Free ATM card
  • No monthly ledger fees
  • No annual VISA charges

Prepaid Card

  • Minimum first-time deposit amount - UGX 50,000
  • No minimum account balance
  • Check balance online
  • Transaction SMS alerts
  • Free local POS transactions
  • Permits cash withdrawal by completing a withdrawal voucher at Centenary Bank
  • Free ATM card
  • No monthly ledger fees
  • No annual VISA charges

Exclusive deals & discounts

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Get exclusive deals and discounts when you use the NSSF Smart card

We’ve partnered with top merchants to extend value to our members in form of exclusive discounts and offers when you pay with your NSSF Smart Card, from real estate, hospitality, gadgets for fun or work, our list of merchants keeps expanding to offer you the best deals in town.

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For more information on the NSSF Smart Card

Select NSSF Smart Card Type

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Debit Card requirements

  • Customer’s NSSF number
  • National ID
  • One Passport photograph
  • Card initial balance of UGX 20,000

Prepaid Card requirements

  • NSSF number
  • National ID
  • One Passport photograph
  • Card initial balance of UGX 50,000

Members can apply for the NSSF Smart card today filling the call me back form or by walking to any NSSF or Centenary bank branche countrywide. Terms and conditions apply. You can also either call NSSF or Centenary Bank toll free lines; 0800286773 or 0800200555/0800335344 respectively for more details.
The card has an improved functionality and has been linked to Centenary Bank’s payment system that includes Mobile transfers, Agent banking, ATM, POS, Interbank transfers, and Internet banking. The card is chip and pin enabled and issued to new and existing members on demand. It is also linked to the member’s bank account held in Centenary Bank to support timely benefit payments at the point the member is exiting the Fund.
Like any Payment Card, for security and durability reasons, the NSSF Smart Debit Card expires after 5 years whereas NSSF Smart Prepaid Card expires after 3 years. After this period, members can apply for a card replacement at a fee.

The NSSF Smart life account comes with the Debit card and has the following features.

  • Minimum Account Opening balance UGX 20,000
  • Minimum Account balance UGX 10,000
  • Account accessible at any branch, Agent Point, CenteMobile and ATM.
  • Issuance of monthly electronic account statements
  • Transaction SMS alerts
  • Does NOT Attract monthly account maintenance fee
  • Permits cash withdrawal by completing a withdrawal voucher or over the ATM using the NSSF Smart Card.
  • Permits deposit/credit by way of cash, ATM Machine, transfer, mobile banking, cheque, and any acceptable means of deposit.
  • The account is operated in local currency (Uganda shillings)

The NSSF Smart Card is issued free but attracts competitive charges when a member transacts. These charges are as indicated below.

Debit Card

Fees (UGX)

Card replacement

15,000

Annual card fees

10,000

ATM card withdrawal on Centenary Bank ATM

1,000

ATM card withdrawal on Interswitch Network

1,500

ATM card withdrawal on other VISA enabled ATM Domestic

5,000

ATM transaction receipt

100

ATM card withdrawal on VISA enabled ATM International

4% of transaction value plus 5% for forex mark-up

Balance inquiry on Centenary Bank ATM

300

Balance inquiry on Interswitch ATM Network

600

Balance inquiry on other VISA enabled ATM Domestic

2,500

Balance inquiry on VISA enabled ATM International

5,000

Mini statement on Centenary Bank ATM

600

Mini statement on other VISA enabled ATM Domestic

N/A

Mini statement on VISA enabled ATM International

N/A

Monthly Fees

Nil

Minimum balance

5,000

POS purchase Domestic

Nil

Cash advance on other VISA enabled ATM Domestic

N/A

Cash advance POS centenary bank

1000 - 7000

POS purchase on other VISA enabled POS Domestic

Nil

POS purchase on VISA enabled ATM International

2.5 USD plus 5% for forex mark-up

POS balance inquiry

N/A

E-commerce/Online purchase - Domestic

2,000

E-Commerce/Online purchase - International

2.5 USD plus 5% for forex mark-up

Prepaid Card

Fees (UGX)

Card replacement

15,000

Minimum balance

Nil

Annual card fees

10,000

Load/ reload fee

2,500

Monthly Fees

Nil

ATM card withdrawal On-Us (Centenary ATM)

1,750

ATM card withdrawal Off-Us domestic (other VISA enabled ATM)

5,000

Atm card withdrawal on VISA enabled ATM International

4% of transaction value plus 5% for forex mark-up

ATM balance inquiry check On-Us

500

ATM balance inquiry check on other VISA enabled ATM Domestic

2,500

ATM balance inquiry check on VISA enabled ATM International

5,000

ATM mini statement On-Us

500

POS purchase domestic

Nil

POS purchase International

2.5% of the transaction value + 5% for forex mark-up

E-commerce/Online domestic

2,000

E-commerce/Online international

2.5% of the transaction value + 5% for forex mark-up

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Whereas it is NOT mandatory for all existing and new members to opt in for this new card, the Fund encourages its members to sign up for the card to access the numerous benefits provided.
Yes. NSSF will no-longer issue out any other form of member card apart from this new Smart card. Members with the old card can choose to retain them for identifications and record purposes or can apply for this new card. The old card will be disregarded upon acquisition of the new card.
The new NSSF Smart card allows you to withdraw your benefits ONLY upon qualification under the presiding conditions in the NSSF Act.

The Fund has a tripartite arrangement where it has partnered with a well-established global payment technology / card company – VISA and Centenary Bank. VISA is a global payments technology company that enables consumers, businesses, financial institutions, and governments to use electronic payments instead of cash and cheques. Centenary Bank is a duly licensed Commercial Bank in Uganda that has facilitated the issuance of the smart card.

The Fund has also negotiated special discounts and offers at selected merchant outlets in Uganda.

 

Visit the NSSF Smart Card Centre at Worker’s House or any Centenary Bank branch near you.

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