1. What is the difference between the iRemit Visa Card from a credit card?
With the iRemit Visa Card, there are no monthly bills. You can only spend up to the value stored in your card. On the other hand, a credit card is a form of loan offered by a bank through the card.
2. Which outlets will accept my iRemit Visa Card?
The iRemit Visa Card is welcome at all merchant establishments and ATMs that has the VISA logo in the Philippines and abroad. It is also accepted in Bancnet-affiliated merchants nationwide. Your iRemit Visa Card is also welcome in 7,000 Bancnet and Megalink ATMs locally and in 944,000 Visa ATMs worldwide.
3. Is there a transaction charge each time I use my iRemit Visa Card?
There are no transaction fees for purchases made at any Visa-accredited merchant. However, a minimum charge will be deducted from your card every time you withdraw in any Bancnet/Megalink bank or Visa member bank. Withdrawal charges are as follows:
|Bancnet / Megalink ATMs
||PhP 10.00 (average)
|Bancnet / Megalink ATMs
||PhP 1.00 for inquiry
4. What is the maximum withdrawable amount?
The maximum withdrawable amount is as follows:
Bancnet - PhP 10,000 per withdrawal dispense
Megalink - PhP 4,000 per withdrawal dispense
Maximum withdrawable amount per day - PHP 50,000
5. Is there a maximum allowable amount for merchant payments and withdrawals?
You can use your card up to the amount loaded in your card. Daily limit per iRemit Visa Card is PhP 50,000. This is a shared limit between ATM cash withdrawals and point-of-sale (POS) transactions.
6. How can the iRemit Visa card be loaded?
The iRemit Visa Card can be loaded in any of the iRemit Offices abroad.
7. Is there an expiry date?
The iRemit Visa card is valid for 5 years from the date of issuance which is indicated at the face of the card.
8. What should I do if I lost my card or if I forgot my PIN?
In case of lost card or forgotten PIN, immediately report by calling iRemit Global Remittance through the following numbers:
Local Number - (632) 689.1121 • 689.1126 • 689.1138 • 687.0732 • 638.0607
Domestic Toll Free - (1800) (10) 482.6664 • (1800) (10) 467.8479
A reported card shall be tagged as lost/ stolen and will be permanently blocked. Cards that have been blocked can no longer be used. Remaining balance on the card shall be transferred to the new card that will be issued to you.
9. What happens if my account remains unused / inactive for more than six months? Will it be closed?
Your account will not be closed, however it can be zeroed out by the charges. There is an inactivity charge of PhP 50.00 every end of the month effective after inactivity of six months. Since your account will be considered dormant, just re-activate by depositing any amount into your account.
10. What if my card gets captured at an ATM machine abroad? What should I do?
Captured Card Policy for internationally issued Debit and Credit Card is to cut/destroy the card and is no longer expected to be returned to issuing bank. Hence if iRemit Visa Card gets captured abroad, request for a replacement card immediately.
11. What will I do if my remittance is credited to the wrong person as advised by the foreign office?
You should immediately call Card Operations thru phone at 689-1121 or 689-1139 so the account can be blocked. This will prompt Card Operations to immediately retrieve the amount. Blocking of the account can also be done on weekend and holidays.