The Chipper UGX Virtual Card is a pre-funded and reloadable virtual card that can be used for both Domestic and International online payments or transactions in Uganda. The card can be funded right from the user's Chipper wallet, and it is absolutely free to acquire.

The Card can be used online in the same way you use your physical debit or credit cards.

Frequently Asked Questions

Is there a fee for withdrawing or adding funds to the Chipper UGX Virtual Card?

We do not charge any fees to add or withdraw funds from your Chipper Card.

πŸ’‘ However, please keep in mind that real-time exchange rates apply for UGX ➑ $ and

$ ➑ UGX transactions. The amount may vary based on the current economic and market conditions.

What are the Chipper UGX Virtual Card Funding, Spending, and Withdrawal Limits?


Maximum Daily Spend Limit - UGX 3,500,000
Maximum Monthly Spend Limit - UGX 16,000,000


Maximum Daily Funding Limit - UGX 3,500,000 (24 Hours)
Maximum Monthly Funding Limit - UGX 16,000,000

Maximum Quarterly Funding Limit - UGX 16,000,000


Maximum Daily Withdrawal - UGX 3,500,000

Is my Chipper UGX Virtual Card directly connected to my Chipper Wallet?

No, your Chipper UGX Card is not automatically tied to your Chipper Wallet in the same way your bank card service works! This means that your Chipper Card balance is different from your Chipper Wallet balance.

Your Chipper UGX Card would need to be funded from your Chipper Wallet before it can be used.

On what platforms can I use my Chipper UGX Virtual Card?

The Chipper UGX Virtual Card is available for both Domestic and International transactions.

Please note that you can only use the card on merchant sites that fall under our approved/supported merchant categories. The list of supported and unsupported merchant categories may evolve over time. We reserve the right to modify the list to meet certain legal and regulatory obligations.

I have a problem with a Chipper UGX Virtual Card transaction. What do I do?

Do you have a complaint about your Chipper Card transaction? Please go to your Home tab and click on that transaction, then select "Report a Problem" to send us an automated message.

Also, please ensure that your Chipper Cash app is updated to the latest version for a more seamless experience.

We'll be happy to take a look at the issue and get it resolved for you.

What is my card Billing Address & Postal Code?

Please use your registered house address as your billing address. Also, use the postal/zip code of your registered house address.

My CVV still reads as 123. How do I change that?

Please fund your card first, then your default CVV (123) will change in 24 hours.

Once changed, you can use the new CVV as your security code for transactions on merchant sites.

Is the Chipper Virtual Card 3D secured?

Please note that the Chipper Virtual Card has been programmed for 3D-secured authentication.

Do you need further assistance?

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