The VISA Card that is NOT a Credit Card

Visa TravelMoney is the first prepaid card for vacation, shopping, business travel and for sending money to family abroad. It is a Visa Card that is NOT a Credit Card, so there are no interest charges or annual fees. Visa TravelMoney allows for quick, easy access to any local currency internationally and it can even be used right here in Guyana!

• Frequently Asked Questions
• How much does Visa TravelMoney cost?

1. What is Visa TravelMoney?
   • Visa TravelMoney is a prepaid card that gives you 24-hour access to your funds in any local currency. It is great for vacation and shopping abroad, business travel or sending money to family abroad.
2. How do I know if I qualify?
   • Unlike a credit card, there are no qualifying criteria - no checks into your credit history. Just pay a low, one-time fee and Visa TravelMoney is yours!
3. How is it different from a Credit Card?
   • A credit card provides you with a credit facility based on an assessment of your credit rating. Each month you repay all or a minimum portion of what you spend, depending on the terms of your card. With Visa TravelMoney on the other hand, there are no monthly payments - you simply purchase your card for a minimal, one-time cost, load your money onto your card and access it worldwide in the currency of the country you're in!
4. Can I use Visa TravelMoney only when I travel?
   • You can use Visa TravelMoney in many different ways - for business travel, shopping or to send money to family or friends abroad…you can even use it right here in Guyana.
5. How much does it cost?
   • Visa TravelMoney costs you US$10.00 for New/Replacement card fee and a commission of 1.15% of the amount loaded/reloaded. Simply come in to any branch of Republic Bank, pay the activation fee and get your card. After that you simply load your card whenever you want with any amount up to US$5,000 and pay the relevant commission fee.
6. How does Visa TravelMoney work?
   • Visa TravelMoney is prepaid - that means once you activate, you simply load your money onto your card.
   • Visa TravelMoney is reloadable - that means when your card is depleted, simply come in to any branch of Republic Bank and load more of your money onto your card…you can even use it right here in Guyana.
7. How much money can I load or reload?
   • You can load or reload any amount up to US$5,000.
8. How can I use Visa TravelMoney?
   • Use it how it best suits you. You can use Visa TravelMoney for cash withdrawals at ABMs, or at stores wherever you see the Visa Electron sign. If you travel for business or pleasure, if you shop abroad or you need to send money to children studying or family living abroad, you'll love the flexibility of Visa TravelMoney! Simply use your card to pay for goods or withdraw cash in the currency of the country you're in.
9. Where can I use Visa TravelMoney?
   • Access your funds at more than 627,000 Visa ABMs in more than 120 countries around the world and throughout the network of stores that carry the Visa Electron sign.
10. What if I lose my Visa TravelMoney Card?
    •  Customer Assistance Service is available to take your calls toll-free from anywhere in the world, 24 hours a day, 7 days a week. Simply refer to your Visa TravelMoney Telephone Directory or call Republic Bank Credit Card Centre at 1-868-625-4411 Ext. 3518.
11. Does Visa TravelMoney replace my credit cards?
    • It's good to have Visa TravelMoney whether you have a credit card or not. It's like carrying cash - but safer - and gives you the power of Visa in your hand.
12. What about security?
    • Visa TravelMoney is PIN protected and its value is stored in the system, not on the card. So if you lose your card, you don't lose your money. Get up to 5 cards to access the same funds and give them to travelling companions or keep them as instant replacement cards.
13. When does Visa TravelMoney expire?
    •  Each Visa TravelMoney card is good for up to 10 years.
14. What minimum balance do I need to leave on my card?
    • Even if you deplete your funds completely, Visa TravelMoney is still active - simply reload whatever amount you want - and keep using your card!

The VISA Card that is NOT a Credit Card

• What are the features and benefits of Visa TravelMoney?
• The Dos & Don’ts of Internet Shopping

Features and Benefits

When shopping online, there are certain precautions you can take to protect yourself against fraud. Here is what you need to know.

Do make sure that the company’s website is secure. A padlock or police badge icon is used to indicate a secure site. If these icons do not appear on the screen, click onto the site’s “Privacy Policy” for information on how secure the site is. Many of these sites utilize encryption technology to scramble account numbers.

Do not purchase goods from a suite that requires unnecessary personal information, bank account numbers, or Internet account passwords.

Do use recommended sites or reputable international companies when shopping online. Companies can be cross-referenced on the net through national and international online business directories.

Do not shop on a website that does not have an address and telephone contact – preferably a 1-800 number A P.O Box address is not acceptable.

Do check out the company’s return/ refund policy before purchasing goods. Ask for a delivery date as well.

Do not pay any online merchants or disclose your account number before you are ready to purchase a product.

Do ask for help if you have any questions. A reputable website would have a “Help” or “FAQ” (Frequently Asked Questions) link which generally answers your questions immediately.

Do not use your name, address, birthday, telephone number or a combination of the four when selecting a password to log on to a site. Never, under any circumstances, use the password for your Internet Service Provider (ISP) account or the password to your bank account (PIN).

Do look for the method of payment instructions and currency of payment before making your purchase. Print out your receipt/ order once you have made your purchase. Check to make sure that you have been billed correctly and that transactions have not been duplicated.

Do not e-shop without knowing your consumer rights. What you know will reduce miscommunication and lower your risk of Internet fraud.

Do be vigilant. Always check your monthly statements to verify transactions. Should you see any transactions that are unknown to you, please call our Customer Service Hotline – 1-(868) 627-3348 and we will block your account number. This must be followed with a written report to ensure that we reverse the transaction.