The Card Details feature allows you to view and securely share the essential information of your OGold Prepaid Card.
It’s designed for quick access when making online payments or verifying your card credentials.

This article contains the following sections:

• Accessing Card Details

• Information Displayed

• Sharing Card Details

• Security Note

Accessing Card Details

To view your card information:

1. Open the OGold App.

2. Navigate to the Card section.

3. Tap on Card Details.

This opens a secure modal displaying your active OGold Prepaid Card’s key details.

Information Displayed

When you access your card details, you’ll see:

Each field includes a copy icon (📋) next to it, allowing you to copy details securely for quick use when needed.

🔒 For your protection, card details are only displayed after secure authentication within the app.

Sharing Card Details

You can easily share your OGold card details using the Share Details option.

1. Tap Share Details at the bottom of the screen.

2. Choose your preferred sharing method — available options include:

   • Message

   • Mail

   • Messenger

   • WhatsApp

   • Twitter

3. Alternatively, you can:

   • Copy the card information.

   • Add to Reading List, Bookmark, or Favorites for quick access.

⚠️ Important: Only share your card details through secure and trusted channels. OGold will never ask for your card number or CVV via message, call, or email.

Security Note

• OGold uses encrypted transmission to protect your card information.

• You can access and share details only from your logged-in device.

• Sensitive data like your card number and CVV are masked by default and revealed only upon authentication.

• Avoid saving or sharing screenshots of your card details.

The Freeze Card feature in OGold gives you complete control over your OGold Prepaid Card security.
If your card is misplaced, compromised, or you simply want to pause transactions temporarily — you can freeze it instantly from within the app.

This article contains the following sections:

• Accessing Your Card
• What Happens When You Freeze Your Card
• How to Freeze Your Card
• Card Settings Overview
• How to Unfreeze Your Card
• Tips for Safe Usage

Accessing Your Card

To manage your prepaid card:

1. Open the OGold App and go to the Card section.

2. Your OGold Prepaid Card will appear, showing:

   • Available funds (e.g., 24,654.37 AED)

   • Card number (partially masked for security)

   • Cardholder name (e.g., Ally Mohamed Salah)

At the bottom, you’ll see key management options:

• Card Details

• Freeze / Unfreeze

• Apple Wallet

• Settings

What Happens When You Freeze Your Card

Freezing your card temporarily blocks all new transactions, protecting your balance from unauthorized use.
It’s an instant, reversible action that does not affect your account or funds.

When frozen:

• All payments and withdrawals are disabled.

• Your card remains visible in the app but marked as “Currently Frozen.”

• A black banner appears on top stating:

  “Your card is currently frozen and cannot be used for any transactions.”

How to Freeze Your Card

1. Tap Freeze on the card management screen.

2. A confirmation message appears:

   “Freezing your card will temporarily block all new transactions. You can unfreeze it anytime.”

3. Tap the Freeze Card button to confirm.

4. Once frozen, the card will turn greyed out to indicate the inactive status.

You can verify the frozen status under Settings → Card Management → Card Status (Frozen).

Card Settings Overview

Under Settings → Card Management, you can view and control multiple features related to your OGold Prepaid Card:

How to Unfreeze Your Card

When you’re ready to use your OGold Prepaid Card again:

1. Tap Unfreeze on the Card screen.

2. A confirmation screen appears:

   “Unfreezing your card will allow you to make transactions again. You can freeze it anytime.”

3. Tap Unfreeze Card to confirm.

4. Your card is now active and ready for transactions again.

Tips for Safe Usage

• Freeze immediately if you suspect unauthorized use.

• Unfreeze only when you’re ready to use your card again.

• Keep your app notifications on for real-time alerts of any activity.

• Use the Spending Priority setting to control which asset (Gold or Silver) is used first for transactions.

Summary

The Freeze Card feature is your safety net for secure and worry-free usage of your OGold Prepaid Card.

Freezing and unfreezing your card is quick, reversible, and gives you full control over your financial security.

The Apple Pay integration feature allows you to add your OGold Prepaid Card to the Apple Wallet for fast, secure, and contactless payments.
Once added, you can use your OGold Card directly from your iPhone or Apple Watch wherever Apple Pay is accepted.

This article contains the following sections:

• Accessing the Apple Wallet Option
• Adding Your Card to Apple Pay
• Possible Error Messages
• Removing the Card from Apple Pay
• Supported Wallets
• Security & Data Protection

Accessing the Apple Wallet Option

To get started:

1. Open the OGold App.

2. Navigate to the Card section under Prepaid Card.

3. Tap on Apple Wallet.

4. Follow the on-screen steps to connect your OGold Prepaid Card to Apple Pay.

Adding Your Card to Apple Pay

When you tap Apple Wallet, you’ll be guided through a few quick setup screens:

Add Card to Apple Pay

• Your OGold Prepaid Card details (name and masked card number) will automatically appear.

• Confirm that the details are correct and tap Next.

Card Verification

• The app will contact your card issuer to verify the card and authorize its use.

• This may take a few seconds.

1. Accept Terms & Conditions

   • Review the Mobile Wallet Terms and Conditions displayed on-screen.

   • Tap Agree to proceed.

Add Successfully

• You’ll see the message “Set as Default Card in Wallet” — confirming that your card is ready for Apple Pay.

• You can tap Use as Default Card or Not Now depending on your preference.

Possible Error Messages

Sometimes, you may encounter a message such as:

“Card couldn’t be added to Wallet”

If this happens:

• Ensure your iOS device and OGold App are updated to the latest version.

• Verify your network connection.

• Try again after a few minutes.

• If the issue persists, contact OGold Support using the Need a Help button in the app.

Removing the Card from Apple Pay

You can remove your OGold Prepaid Card from Apple Wallet at any time:

1. In the Card section, tap Apple Wallet.

2. Tap Remove from Apple Wallet.

3. You’ll see a confirmation banner stating:

   “Card removed from Apple Wallet.”

Your card remains active in the OGold App and can be re-added to Apple Pay whenever you choose.

Supported Wallets

OGold supports multiple wallet platforms for digital payments across devices:

This flexibility ensures your OGold Prepaid Card is compatible with most major mobile wallet systems.

Security & Data Protection

When you add your OGold Card to Apple Pay:

• Card-related data and device settings are securely encrypted.

• Only Apple and your card issuer (OGold) have access to verification data.

• Your card number is never stored on your device or shared with merchants.

• You can manage permissions anytime under Apple Pay settings → See how your data is managed.

Quick Recap

Summary

The Apple Pay integration makes your OGold Prepaid Card more versatile and secure for everyday use.
You can add, manage, or remove your card from Apple Wallet in just a few taps — ensuring your digital transactions are always safe and convenient.

Tip: After adding your OGold Card, set it as your default payment method in Apple Wallet for faster checkouts.

If your OGold Prepaid Card is lost, damaged, expired, or you need an updated version, you can request a replacement card directly through the app.
This feature ensures that you can continue using your OGold account securely and conveniently.

This article contains the following sections:

• Accessing Card Replacement
• Reasons for Replacement
• Choosing Your Replacement Type
• Adding or Updating Delivery Address
• Authentication & Verification
• Replacement Fee & Confirmation
• Card Delivery Tracking
• Activating Your New Card
• Card Termination 

Accessing Card Replacement

To begin the replacement process:

1. Open the OGold App.

2. Navigate to Card → Settings → Card Replacement.

3. Tap Replace Card to initiate the request.

A message will appear confirming that replacing your card will deactivate your current one, and this action cannot be undone.

Reasons for Replacement

When prompted, select a reason for requesting a new card:

• Card is lost

• Card is damaged

• Card is expired or about to expire

• Cardholder wants a new card with updated information

Choosing Your Replacement Type

After selecting the reason, choose the Replacement Type:

• Digital only – if you only want a virtual card for online use.

• Physical only – if you prefer a physical card.

• Both digital and physical – if you want access to both formats.

Note: A fee of AED 50 will be charged to proceed with the replacement.

A secure payment transaction will automatically initiate through your linked gold/silver balance or funding source.
If payment fails, you’ll see an alert:

“Payment Failed — Your balance is too low. Please buy gold or metal to proceed.”

Adding or Updating Delivery Address

If you’ve selected a physical card, you’ll need to provide or confirm a delivery address.

1. Tap Update under Delivery Address.

2. Choose an existing address or tap Add New Delivery Address.

3. Fill in details such as:

   • Full name

   • Phone number

   • Country (e.g., United Arab Emirates)

   • City, area/street

   • Building/Villa number, Apartment/Unit number (optional)

   • PO Box (optional)

4. Tap Save to store your new address.

The app will use this address for card shipment and delivery.

Authentication & Verification

Before submitting your replacement request, the app will ask you to verify your identity.
You can authenticate using one of the following methods:

• Biometric verification (Face ID or fingerprint)

• PIN/OTP verification via SMS or WhatsApp

Once verified, check the confirmation box:

“I confirm that all the information I provided is correct.”

Then tap Submit Request.

Replacement Fee & Confirmation

When you proceed:

• A secure payment of AED 50 will be processed.

• Once successful, you’ll receive a confirmation screen:

  Request Submitted
  “Your previous card is no longer active. You’re all set to use your new card now.”

If the payment fails, you’ll see a Payment Failed message.
In that case, top up your gold/silver balance and try again.

Card Delivery Tracking

Once your card is ordered, you can track its progress in the Card Tracker section.

Stages include:

1. Ordered – Your card request is received.

2. Shipped – Your card is prepared for shipment.

3. Out for Delivery – Your card is on its way.

4. Delivered – Your card has been successfully delivered.

Each stage will include a timestamp for transparency.

Activating Your New Card

Once your physical card is delivered, you must activate it before use.

1. Open the app and tap Verify & Activate Card.

2. A 4-digit OTP will be sent to your registered phone number.

3. Enter the OTP to verify ownership.

4. If the OTP expires, tap Resend Code or choose Get it via WhatsApp.

When successful, you’ll see:

Your physical card is activated!

Your card is now ready for transactions and withdrawals.

Card Termination (For Reference)

If your card was permanently cancelled or terminated, it will appear greyed out in the app with 0.00 AED balance.
This means the card is no longer active or usable. You’ll need to request a new one via Card Replacement to resume use.

The Spending Priority setting in your OGold Prepaid Card allows you to choose which metal balance (Gold or Silver) should be used first for your transactions.
This feature ensures you have full control over how your metal assets are spent when making purchases using your card.

This article contains the following sections:

• Accessing Spending Priority Settings
• How Spending Priority Works
• Changing Your Spending Priority
• Locked Priority Messages
• Benefits of Spending Priority

Accessing Spending Priority Settings

To view or change your spending priority:

1. Open the OGold App.

2. Go to the Card section.

3. Tap Settings → Spending Priority.

Here, you’ll find two options:

• Gold first, then Silver

• Silver first, then Gold

How Spending Priority Works

When you make a transaction using your OGold Prepaid Card:

• The app checks your selected priority.

• It deducts the amount from the first priority metal (e.g., Gold).

• If that balance is insufficient, it automatically uses the second metal (e.g., Silver).

For example:

• If your priority is Gold first, all card transactions will use your gold balance until it’s depleted, then switch to silver.

• If your priority is Silver first, it will spend from silver before using gold.

Changing Your Spending Priority

You can change your spending priority at any time, as long as both balances are active.

To update:

1. Go to Settings → Spending Priority.

2. Select Gold or Silver.

3. Your selection will update instantly, and the card will use that metal first for transactions.

Locked Priority Messages

In some cases, you may see a message indicating that spending priority is locked:

⚠️ Spending priority is locked!
Spending priority is set to “Gold first” as your Silver balance is zero. Top up Silver to switch priority.

or

⚠️ Spending priority is locked!
Spending priority is set to “Silver first” as your Gold balance is zero. Top up Gold to switch priority.

This means:

• You currently have a zero balance in the other metal.

• You need to add funds to that metal wallet (Gold or Silver) before switching priority.

This ensures that each transaction type remains valid and backed by available assets.

Example Scenarios

Benefits of Spending Priority

• 💰 Flexible control — decide which asset funds your purchases.

• 🛡️ Transparency — clearly see which metal is used per transaction.

• ⚙️ Smart automation — automatically switches to your secondary metal if the first runs out.

• 🔄 Dynamic settings — change your spending behavior anytime.

Summary

The Spending Priority feature is an intuitive way to personalize your OGold Prepaid Card spending preferences.

You can access and modify your Spending Priority anytime under:
Settings → Card Management → Spending Priority.

You can easily update your OGold card PIN anytime through the Settings section in your OGold app. This feature helps ensure your account remains secure while giving you full control over your card access.

This article contains the following sections:

• Accessing Card SettingsSetting a New PIN
• Setting a New PIN

Accessing Card Settings

1. Open the OGold App.

2. Go to Settings → Card Management.

3. Select Change PIN under the Security section.

Here, you’ll also find other options such as:

• Freeze Card – Temporarily lock your card.

• Terminate Card – Permanently cancel your card (this action cannot be undone).

• Card Limits – Set balance and spending (velocity) limits.

• Card Status – Check if your card is active.

• Spending Priority – View whether Gold or Silver balance is used first.

Setting a New PIN

1. Tap Change PIN.

2. On the New PIN screen, enter your new 4-digit PIN.

3. Tap Save PIN to confirm the change.

Once saved, you’ll see a confirmation message:

✅ PIN Updated
Your new PIN has been set successfully.

You can then tap Back to My Card to return to your main card dashboard.

Tips for Secure PIN Management

• Choose a unique PIN that’s hard to guess (avoid using your birth year or repeated numbers).

• Never share your PIN with anyone.

• If you suspect unauthorized access, use the Freeze Card option immediately.

• You can change your PIN anytime following the same steps above.

The Balance Limit feature allows you to set a maximum balance on your OGold Prepaid Card to help you manage your spending effectively. Any top-up that exceeds this limit will automatically be declined, ensuring you stay in full control of your funds.

This article contains the following sections:

• Accessing Balance Limit Settings
• About Balance Limit
• Setting or Updating Your Balance Limit
• View Current Balance and Spending
• Additional Security Options

Accessing Balance Limit Settings

1. Open the OGold App.

2. Go to Settings → Card Management.

3. Under the Card Limits section, tap Balance Limit.

Here you can view and manage the maximum balance allowed on your card.

 About Balance Limit

• The Balance Limit defines the total amount that can be held on your OGold card.

• Any top-up attempt that exceeds your set balance limit will be declined.

• You can enable, disable, or change the balance limit anytime.

Example:
If your limit is set to AED 150,000, and your current balance is AED 98,346.45, then your remaining available balance will be AED 51,653.55.

Setting or Updating Your Balance Limit

1. On the Balance Limit screen, tap Enable Max Balance Limit (if not already active).

2. Enter the desired maximum balance amount (e.g., AED 150,000).

3. Tap Save to confirm your new limit.

4. You’ll see a confirmation message showing your updated balance limit.

Once set, your OGold card will automatically block any top-ups that exceed the maximum limit you specified.

View Current Balance and Spending

In the Card Management section, you can also see:

• Card Status – (e.g., Active)

• Spending Priority – Gold first, then Silver

• Spent This Month – The total amount used during the current month

• Remaining – The available amount before reaching your balance limit

Example:

Your monthly limit is AED 150,000
Spent this month: AED 98,346.45
Remaining: AED 51,653.55

Additional Security Options

In the Card Management screen, you’ll also find:

• Velocity Limits – Set monthly or per-transaction spend limits.

• Change PIN – Update your card PIN securely.

• Freeze Card – Temporarily disable your card.

• Terminate Card – Permanently cancel your card (irreversible action).

OGold allows you to manage per transaction, daily, weekly, and monthly spending limits for your card. These Velocity Limits help control your spending, prevent overspending, and ensure better financial management.

Depending on your app version, you may see slightly different layouts: V1, V2, or V3. This guide covers all three.

This article contains the following sections:

• Accessing Velocity / Spend Limits
• Version Overview
• Setting or Changing Limits
• Additional Security Options

Accessing Velocity / Spend Limits

1. Open the OGold App.

2. Go to Settings → Card Management → Velocity Limits or POS Limits.

3. Here, you can manage limits for:

   • Per transaction

   • Daily

   • Weekly

   • Monthly

You’ll also see:

• Card Status – e.g., Active

• Spending Priority – Gold first, then Silver

• Card Replacement – Request a new card if needed

Version Overview

V1 – Tabbed View by Period

• Each time period (per transaction, daily, weekly, monthly) has a separate tab.

• Notifications appear when a limit is reached, e.g.,

“▲ Weekly limit reached – You’ve used up your AED 85,000 weekly limit.”

• Remaining balance is shown under each tab:

  • Spent this week: AED 78,346.45

  • Remaining: AED 6,789.55

V2 – Compact Line Progress Bar

• Combines all periods on a single screen.

• Uses line progress bars instead of donut charts for visual tracking.

• Displays spent and remaining amounts clearly:

  • Limit: AED 150,000

  • Spent: AED 90,000

  • Left: AED 60,000

• You can still edit or change limits directly from this view.

V3 – Accordion Layout

• Combines V1 and V2 features.

• Each period is hidden in an accordion for compact display.

• Enables Max Balance Limit alongside Velocity Limits.

• Shows spent and remaining for each period clearly:

  • Spent this month: AED 78,346.45

  • Remaining: AED 6,789.55

• Weekly or monthly limits display notifications when reached:

“▲ Weekly limit reached”

Setting or Changing Limits

Steps:

1. Open POS / Velocity Limits in the app.

2. Select the period you want to edit (Per transaction, Daily, Weekly, Monthly).

3. Enter the desired limit amount.

4. Tap Save or Change Limit to confirm.

Example:

• Weekly Limit: AED 85,000

• Spent: AED 78,346.45

• Remaining: AED 6,789.55

Additional Security Options

• Freeze Card – Temporarily block usage.

• Terminate Card – Permanently cancel the card (irreversible).

• Change PIN – Update card security code.