Key Features
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
Get exclusive deals and discounts when you use the NSSF Smart card
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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
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 |
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.