Republic Bank Visa Debit

This provides an additional layer of security for your card. At Point of Sale terminals which accept chip cards, you will be required to insert your card into the terminal, chip first, before proceeding with your transaction.

You now have the ability to conduct contactless transactions with your card. For transactions under TT$300.00 you can simply tap your card within one inch of the device and follow the instructions on the screen.

Look for this logo to determine if contactless transactions are accepted.

• Withdraw funds at any ATM carrying the LINX logo to a total of $5,000/day*
• Perform LINX / Point-of-Sale (POS) purchases to a total of $50,000/day
• Perform LINX balance enquiries

*The ATM withdrawal limit is reduced to $1,000/day between the hours of 10pm – 4am.

Sign up for RepublicOnline or the RepublicMobile App to have access to your accounts online, anywhere, any time. View your balance or e-statements, transfer funds to any bank or access cash without your card using any Republic Bank ATM when you sign up today!

CHANGES TO THE CARD

Should you discover that an unauthorised withdrawal/payment has been debited from your account, please take the following corrective actions:

1. Identify the fraudulent transactions on your account.
2. Contact our Call Centre at 624-7055 to have your card stopped. Your card will no longer be functional once this step is completed.
3. Visit the nearest Republic Bank branch with your card and complete the dispute form (supplied by the branch).
4. Collect your new card from the branch.
5. Make a report to the police / fraud squad. You must bring in the original citizen report receipt that you will receive from the Police / fraud squad for us to copy.
6. The documents will be forwarded to the Bank's Corporate Security Department for investigation and a Bank investigator will contact you.

To protect yourself from card skimming, please see our list of helpful tips here.

CONDITIONS OF USE
FOR THE REPUBLIC BANK VISA DEBIT CARD
(“Agreement”)

1. In this Agreement:
   a) “ABM” means automated banking machine.
   b) “Account” means an account in the name of the Cardholder (whether solely or jointly with another person) maintained by the Bank that can be accessed by using your Visa Debit card.
   c) “Acquiring Bank” means the entity that initiates and maintains relationships with Merchants for the acceptance of the Visa Debit card.
   d) “Bank” means Republic Bank Limited, its successors and assigns.
   e) “Cardholder” means any person having power under the mandate to operate the Account (whether solely or jointly) and to whom or for whose use a Visa Debit card is issued by the Bank.
   f) “Visa Debit Card Transaction” means any transaction effected by the use of the Visa Debit card, (including without limitation deposits, withdrawals, payments, funds’ transfers and balance inquiries).
   g) “Visa Debit Card” means the Republic Bank Visa Debit Card issued at the request and in the name of a Cardholder for use against the Account and includes any renewal or replacement Visa Debit card.
   h) “Visa Debit Card Limit” means the maximum value of any one or more Visa Debit card Transaction within a certain period as notified by the Bank to the Cardholder from time to time.
   i) “Debt” means all amounts including without limitation fees, interest and other charges), owed to the Bank in respect of the Account.
   j) “Bank’s Electronic Channels” means any of the electronic, online, digital or mobile platforms used by the Bank, including without limitation, the Bank’s website, social media platforms and SMS.
   k) “International Provider” means Visa Incorporated, Merchant or Acquiring Bank as applicable.
   l) “Merchant” means the corporation, firm, or individual who has agreed to honour the Visa Debit card upon presentation by the Cardholder.
   m) “PIN” means the personal identification number for the Cardholder to use with the Visa Debit card.
2. The Visa Debit card must be signed by the Cardholder immediately upon receipt and may only be used by the Cardholder:
   a) after it has been activated;
   b) after it has been signed;
   c) subject to the terms of this Agreement which are in force at the time of use;
   d) within the available balance of the Account at the Bank;
   e) to obtain the facilities and benefits made available by the Bank with respect to the Visa Debit card; and
   f) subject to the right of the Bank, in its absolute discretion and without prior notice, at any time to withdraw the right to use the Visa Debit card, refuse any request for authorization of any Visa Debit Card Transaction or to cancel, refuse, re-issue, renew or replace the Visa Debit card.
3. The Bank will debit or credit as applicable, the Account with the amount of all Visa Debit Card Transactions and any other liabilities of the Cardholder and any loss incurred by the Bank arising from the use of the Visa Debit card.
4. The Cardholder will pay to the Bank all amounts so debited and all charges pertaining to the acquisition and operation of the Visa Debit card and or the Account, and/or its renewal and/or its replacement in the event of loss/theft/damage.
5. Until the expiry date of the Visa Debit card and subject always to this Agreement, transactions using the Visa Debit card may be authorized by the Cardholder using, (as the circumstances require), a combination of the Visa Debit card and/or the PIN and/or signature and/or other security details associated with the Visa Debit card or the Account or in other ways advised to the Cardholder by the Bank from time to time. Such authorization will be given to the Bank, or at an ABM or to a Merchant. The Cardholder will nevertheless remain liable to pay the Bank all amounts debited to the Account.
6. Whenever the Visa Debit card is used in conjunction with an ABM and/or point of sale terminal it must be used only in accordance with and subject to the operating instructions and conditions of use in force for the time being for such ABM and/or point of sale terminal, including without limitation the Visa Debit Card Limit. If a Merchant issues a refund voucher in respect of a Visa Debit Card Transaction, the Bank will credit to the Visa Debit Card Account the amount shown to be due when it receives the refund voucher or other simple refund verification acceptable to the Bank. Unless such refund voucher or verification is received by the Bank then (subject to any rights vested in the Cardholder by statute) the amount will be payable in full to the Bank and no claim by a Cardholder against the Merchant may be the subject of set-off or counter claim against the Bank.
7. The Bank will not be liable in any way if the Visa Debit card is not honored by a Merchant or other third party or for any retention of a Visa Debit card by the Bank, any other financial institution, or any seller of goods or services.
8. No Visa Debit card may be used after its expiry date.
9. No Visa Debit card may be used as payment for any illegal or fraudulent Visa Debit Card Transaction.
10. The Bank will provide the Cardholder with a PIN for the Visa Debit card. The Cardholder is required to change the PIN at any Bank ABM.
11. The Cardholder is solely liable to the Bank for all Debt (including such Debt arising from any loss incurred by the Bank through the use of the Visa Debit card. This Clause is applicable whether or not a sales or other voucher is signed by a Cardholder. In the case of a joint Account, the liability of the Cardholders and/or Account holders is joint and several.
12. The Visa Debit card remains the property of the Bank at all times and must be returned by the Cardholder to the Bank, or any other person acting for the Bank, at the request of the Bank.
13. The Bank may at any time and without notice, cancel or suspend the right to use the Visa Debit card entirely or refuse to re-issue, renew or replace any Visa Debit card, without in any case affecting the Cardholder’s obligations to the Bank which shall continue in force.
14. The Cardholder will exercise all possible care to ensure the safety of the Visa Debit card and will prevent the PIN from becoming known to any person. The Cardholder will not disclose the Visa Debit card number and/or the Visa Debit card’s other security details to any third party except for the purpose of a Visa Debit Card Transaction or when reporting to the Bank, the actual loss or theft of or damage to the Visa Debit card. In no event however shall the Cardholder disclose the PIN to the Bank or any other person when reporting such loss, theft or misuse.
15. If the Visa Debit card is lost, stolen, or for any other reason liable to misuse or if the PIN, Visa Debit card number or other security details is disclosed in breach of the terms of this Agreement, the Cardholder must immediately notify the Bank’s call centre, or any branch of the Bank. This notice, if given orally, must be confirmed by the Cardholder, in writing duly signed, to any Bank branch as soon as possible or no later than 14 days. The Cardholder acknowledges and agrees that any oral notification given will not take effect unless and until confirmed in writing to the Bank. The Cardholder further acknowledges and agrees that until the Bank receives effective notification, the Cardholder will be liable with respect to the use of the Visa Debit card.
16. The Cardholder will give to the Bank all the information in the Cardholder’s possession as to the circumstances of the loss, theft or misuse of the Visa Debit card or disclosure of the PIN or other Visa Debit card security details and take all steps deemed necessary by the Bank to assist in the recovery of a missing Visa Debit card. In the event of any such loss, theft or misuse being suspected, the Bank may provide the police or other pertinent authority with any information it considers relevant whether relative to the Visa Debit card, the Account or otherwise. If a Visa Debit card is reported as lost, stolen or liable to misuse, that Visa Debit card must not subsequently be used, but must be cut in half through the chip and returned immediately to the Bank.
17. The Bank shall not be liable if it is unable to perform its obligations due directly or indirectly to the failure of any machine, data processing system or transmission link or to industrial dispute or to any cause outside the control of the Bank, its agents, servants or sub-contractors.
18. Any notice, Account statement or other communication to the Cardholder shall be conveyed via post, facsimile message, in branch promotions, statement inserts, media transmissions, electronic mail, or via any of the Bank’s Electronic Channels, to the address(es) notified to the Bank in writing. Any such notice or other communication shall be deemed received by the Cardholder, if delivered by post, within 48 hours after the date of posting and within 24 hours if sent by facsimile message or otherwise electronically.
19. Any queries concerning any entry on an Account statement must be made in writing by the Cardholder to any Bank branch or call centre within thirty (30) calendar days of the date of the statement after which time the Bank will not be obliged to consider any query and the Cardholder shall be deemed to have accepted all the matters contained in such statement as true and correct in all respects. Any and all disputes between a Cardholder and a Merchant in respect of any Visa Debit Card Transaction shall be resolved by and between the Cardholder and the Merchant. In the case of such disputes, the Bank shall remain fully indemnified by the Cardholder in respect of any and all claims arising therefrom whether by the Merchant or any third party.
20. The Bank in its sole discretion may vary this Agreement or any part of it by giving the Cardholder notice of the change through announcements on the Bank’s website or otherwise by giving notice in accordance with this Agreement.
21. The Cardholder may terminate this Agreement for his Visa Debit card by written notice to the Bank but such termination shall only be effective when such notice and all Visa Debit cards issued to the Cardholder (and in the case of joint Accounts, all Cardholders), have been returned to the Bank.
22. The Bank may terminate this Agreement at any time without notice and thereupon cancel or refuse to renew the Visa Debit card(s) issued to all Cardholders. The Bank may also suspend the use of the Visa Debit card in the event of any breach of the terms of this Agreement by any Cardholder on the Account. Unless and until termination takes place as provided for in this Agreement, the Bank will provide a new Visa Debit card for each Cardholder from time to time.
23. The Cardholder shall immediately notify any Bank branch in writing of any change of name or address.
24. If any part of this Agreement is to be found invalid, the rest remains effective.
25. Use of the Visa Debit card use at all times be subject to any statutory restrictions or regulations which may be imposed from time to time by the Central Bank of Trinidad & Tobago or any other governmental or other authority. All Visa Debit Card Transactions completed in a currency other than the currency of the Visa Debit card will be converted and posted to the Account statement in the currency of the Visa Debit card. The International Provider will convert to TT$ dollars any international charge or debit made to the Account. The conversion will be pursuant to the specific International Provider’s regulations in effect. The rate selected by the International Provider is determined from (i) a range of rates available from wholesale currency markets for the applicable central processing date or (ii) government mandated rates in effect for the applicable central processing date. The International Provider may charge to the Bank, international service fees and currency conversion fees. Accordingly, the Bank may add a percentage mark-up to the exchange rate and/or apply a related international service fee to the Account, as may be determined by the Bank from time to time. The Bank will not assume any risk associated with foreign currency exchange gains or losses from currency conversion resulting from the Cardholder’s use of the Visa Debit card. The Bank also reserves the right to apply a fee to the Account, as may be determined by the Bank from time to time for each Visa Debit Card Transaction made outside of Trinidad and Tobago.
26. Where the Cardholder maintains any other current, deposit or savings account with the Bank, whether solely or jointly, the Bank has the right at any time without notice to set off or transfer any sum outstanding to the credit of such other accounts in or towards satisfaction of the liabilities of the Cardholder under this Agreement (whether or not such other accounts are maintained in Trinidad and Tobago dollars or in any other currency. All Account charges may be changed at any time by the Bank in its sole discretion.
27. The Cardholder acknowledges and agrees that the Bank reserves the right to prevent the Account and / or the Visa Debit card from being used for certain types of Visa Debit Card Transactions as determined by the Bank in its sole discretion.
28. This Agreement shall be governed by the laws of Trinidad and Tobago.