Welcome to the Mastercard Prepaid Portal
A Prepaid card for everything offering seamless local and international transactions, including purchases, bill payments and ATM withdrawals. Enjoy secure payments at POS terminals and online gateways worldwide.
Overview
The First Citizens Mastercard Prepaid is a smarter and more convenient way to shop, providing global access to pay for goods and services with ease.
Simplify your spending by shopping, paying bills, and enjoying seamless transactions, all while keeping control over your spending.
No credit checks required
Chip & PIN technology for added security
Online Shopping locally and internationally
Easily upload funds via Online Banking and track transactions
How is the prepaid card different from my debit or credit card?
| Feature | Credit Card | Debit Card | Prepaid Card |
|---|---|---|---|
| Source of Funds | Borrowed (Credit Card Limit) | Own Funds (Linked to Account) | Own Funds (Preloaded) |
| Linked to Bank Account? | No | Yes | No |
| Credit Check Required | Yes | No | No |
| Where can it be Used | Worldwide | Locally | Worldwide |
| Cash Withdrawals | Yes (with fees) | Yes | Yes (with fees) |
| Spending Limit | Up to Credit Limit | Available Bank Balance | Maximum preloaded value (BBD$7500.00) Maximum daily spend (BBD$20K) |
To qualify, you must:
- Have an active First Citizens Savings or Chequing account for more than one (1) year
Required Documents
Ensure the file size and format are compatible. Uploads must be in any of the following formats: .jpg, .jpeg, .png or .pdf. The file should be 1MB or smaller.
Identification
A form of valid identification –
a. National ID Card, or
b. Passport (mandatory for non-nationals/ non-residents), or
c. Driver’s Permit/ License with birth certificate
Proof of Address
Evidence of your residential address (not older than 3 months) –
a. Utility/ Cable Bill (excluding mobile) If the Utility/ Cable bill is not in your name, provide an Authorization Letter (Bank’s Address Verification Letter) and Photo ID of the bill holder, OR the bill and the following as applicable, where you are the:
Spouse: Marriage Certificate
Tenant: Lease Agreement and Rent Receipt (not older than 3 months) OR
b. Financial Statement
Proof of Income
Evidence of your income/ source of deposit –
a. Pay Slip (not older than 1 month) or
b. Job Letter (not older than 3 months)
For Foreign Nationals, see additional requirements in the Account Opening FAQs
Completed Customer Data Form and Interactive Electronic Service Agreement Form
To be downloaded from within the application portal and completed.
Completed Interactive Electronic Service Agreement Form – To be downloaded from within the application portal and completed. Note: Applicable if you are not registered for First Citizens Online Banking or Mobile Banking App.
Activating your Mastercard Prepaid
Your Prepaid Card must be activated before use. Activation is easy and can be done in either of the two options.
Option 1. At the Branch
OR
Option 2. Call 431-4577 to speak with a customer service representative
Loading your Mastercard Prepaid
Online Banking
Easily load your Mastercard Prepaid by adding it as a payee and making a transfer.
ATM Deposit
Deposit cash or cheques directly to your Mastercard Prepaid at any First Citizens ATM.
Fast Deposit
Visit a branch and take advantage of our quick and convenient Fast Deposit service.
Fees
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- Fees
CARD/SERVICE FEES
| Service Fees | Fees |
|---|---|
| Card Replacement Fee | $20.00 |
| Card Re-issue Fee | $20.00 |
| Prepaid Load/Reload Fee | 1.00% |
| Prepaid Reload via First Citizens Cheque | 1.15% |
| Inactive Fee | $0.50 |
| ATM Withdrawal Fee (Domestic) | $3.00 |
| ATM Withdrawal Fee (Int’l) | 5% Minimum $5.00 |
| Chargeback Processing Fee | $25.00 |
| Foreign Transaction Fee | 2.00% |
