Welcome to the Mastercard Prepaid Card Portal
The First Citizens Mastercard Prepaid Card offers 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 Card provides ease of access to conduct various types of local and international transactions such as purchases, bill payments, memberships and subscriptions, and local Automatic Teller Machine (ATM) cash withdrawals. Cardholders will also have the ability to conduct international transactions at Point of Sale (POS) terminals and devices or payment gateways that accept Mastercard.
No credit checks required
Chip & PIN technology for added security
Online application and ability to track transactions
Easily upload funds via Online Banking and the Mobile Banking App
0.3% Cash Back on local purchases
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 | Preloaded Amount (Maximum Value of TTD 3k) |
To qualify, you must:
- Have an active First Citizens Savings or Chequing account for more than one (1) year
- Not be an existing First Citizens credit card holder
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 6 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 6 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 Card
Your Prepaid Card must be activated before use. Activation is easy via the First Citizens Mobile App and can be done in two simple steps.
Link your Mastercard Prepaid Card to the Mobile App
- Log into the mobile app, tap on dashboard icon and select ‘Settings’
- Select ‘Manage Accounts’ and choose the card number (only the last four (4) digits of the card number will be displayed)
- Enable the account by selecting the slider icon to the right, ensuring that it turns green then tap update
Activate the Card:
- Tap on dashboard icon , select ‘Cards’ and choose the Mastercard Prepaid
- Select ‘Services’ and tap on ‘Activate’
- A screen will then appear to enter a One Time Password (OTP) which will be sent via SMS to your mobile number registered with us
- Once the OTP is entered correctly and validated, your screen will read ‘It’s done’ indicating that your card was successfully activated.
If you require any additional support you can send us an email at easybanking@firstcitizenstt.com or Secure Message via Online Banking by clicking the My Messages tab and select Send New Message.
Loading your Mastercard Prepaid Card
Online Banking
Easily load your Mastercard Prepaid Card by adding it as a payee and making a transfer.
Mobile App
Top up your Mastercard Prepaid Card on the go with just a few taps.
ATM Deposit
Deposit cash or cheques directly to your Mastercard Prepaid Card 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
| One Time Card Fee | TTD 180.00 | First issuance of the card |
| TTPOST Delivery Fee | TTD 35.00 | This fee is charged for card delivery via TTPOST couriers and is added to standard card fees where applicable. |
| Replacement Card Fee | TTD 70.00 | “Applicable in instances where the card was lost or stolen and requires replacement before the expiry date. Additional TTPOST delivery fee of TTD 35.00 is applied.” |
| Card Re-issue Fee | TTD 70.00 | “This fee is applicable upon replacement of an expired card. Additional TTPOST delivery fee of TTD 35.00 is applicable.” |
| Additional Card | TTD 70.00 | This fee applies where there is more than one cardholder/applicant to an account. |
Transaction Fees
| Local Purchases | Free | Purchases via Point of sale (POS) |
| Local ATM Withdrawals | TTD 7.00 | |
| Cash Advance (over the counter) | 3% | This is a standard percentage of the transaction amount which is charged for cash advances (withdrawals) required manually (over the counter) |
| International and Online Purchases | 2% | International processing fee which is a standard percentage of the transaction amount |
| Card Load/Reload Fee | 1.15% | Standard percentage charged for each card load/reload dollar value via cash deposit, online transfer or cheque |
| Cheque Reload Fee (Declined) | TTD 30.00 | If a cheque is used to load the card and the transaction has to be reversed due to insufficient funds on the originating account. |
| Chargeback Processing Fee | TTD 25.00 | This fee is applicable in instances where the resolution of the cardholder’s transaction dispute is not in the customer’s favour. For more information on our Transaction Dispute/Chargeback process, click here. |
International ATM cash withdrawals are not permitted.
