If you haven't taken the ruby train yet, I can say for sure that you miss many rubies.
With Rubies, you dial your own bank account number, get a free debit card with no hidden fees or maintenance costs, cheaper @ N21 transfer fees instead of N52. If you're already a part of this new age revolution, it's time to sign up for your free debit card.
How to Request for Free Debit Card on Rubies