iRemit Visa Card

iRemit Visa Card
In new different colors
PRODUCT BRIEF
CREATIVE PRESENTATION
MARKETING PROPOSITION:
Your color, your personality.
CRITERIA:
Heroes the New iRemit VisaCard
Choose the color of your Iremit Visa Card
Secondary Message:
The remittance card that matches your personality!
TONE OF VOICE:
Simple, stylish, human, passionate
USPs:
Remittance in seconds
Cashless shopping
Convenient Bills Payment
Online and Mobile Banking
Worldwide ATM access
PRODUCT FEATURES
REAL TIME CREDITING OF REMITTANCES
A remitter abroad can send money in real time to their
beneficiary’s iRemit Visa Card.
WORLDWIDE ATM ACCESS
The iRemit Visa Cardholders can withdraw money in any
BancNet, Megalink and Expressnet ATMs in the Philippines and
millions of Visa ATMs worldwide.
CASHLESS SHOPPING
iRemit Visa Card is a fast, convenient and safe way of paying for
purchases at any BancNet and Visa affiliated merchant
establishments worldwide.
ONLINE SHOPPING
iRemit Visa Card can be used for internet shopping in many estores and merchants on the web.
ONLINE AND MOBILE BANKING
iRemit Visa Card offers convenience of doing ATM transactions
such as balance inquiry, bills payment and prepaid card reload
via BancNet online or via Short Messaging Service (SMS).
BILLS PAYMENT
iRemit Visa Card is a faster and more convenient way of paying
your bills through BancNet ATMs, BancNet Online or mobile
phone in the Philippines.
FREQUENTLY ASKED QUESTIONS
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. How can I do cashless shopping thru my iRemit Visa Card?
The iRemit Visa Card is accepted in all merchant establishments that have the VISA logo in the
Philippines and abroad. It is also accepted in BancNet-affiliated merchants nationwide. Once your card
is swiped, the amount is automatically deducted from your balance. For BancNet terminals, you will be
asked to select the account to be debited (please select ‘Savings’ for your cash card) and to input your
PIN.
iRemit Visa Card can also be used for internet shopping in many e-stores and merchants on the web.
3. Why is iRemit Visa Card considered a more secured way of making electronic payments?
iRemit Visa Card is a payment card that uses an EMV chip card technology. This is a highly secured
technology which ensures 100% protection from skimming or fraudulent transactions.
4. Is there a transaction charge each time I use my iRemit Visa Card?
There are no transaction fees for purchases made at any Visa and BancNet -accredited merchants.
However, a minimum charge will be deducted from your card every time you withdraw in any BancNet,
Megalink and Expressnet ATM terminals or Visa member banks.
FREQUENTLY ASKED QUESTIONS
Withdrawal charges are as follows:
Local Fees
Successful withdrawal in BancNet / Megalink / Expressnet ATMs
Balance inquiry in BancNet / Megalink / Expressnet ATMs
Sterling Bank of Asia ATMs
International Fees (Visa ATMs)
Successful withdrawal
Balance Inquiry
Declined transactions
PhP 10.00
PhP 1.00
FREE
USD 3.00
USD 1.00
USD 1.00
5. What is the maximum loading and withdrawal amount?
The maximum accumulated loading limit of each card is PhP
100,000 per month.
The maximum withdrawal amount for BancNet and Megalink ATMs
is PhP 40,000 per day.
6. Is there a maximum allowable amount for merchant
payments and withdrawals?
You can use your card up to the amount loaded in your card.
7. How can the iRemit Visa Card be loaded?
The iRemit Visa Card can be loaded in any of the iRemit Offices,
Tie-ups and Agents abroad.
8. 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.
FREQUENTLY ASKED QUESTIONS
9. 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) 706-9999
Domestic Toll Free - (1800) (10) 467.8479 • (1800) (10) 482.6664
Sterling Bank of Asia – (632) 706-3072; 706-3254
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.
10. What happens if my account remains unused or inactive? 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 100.00 should the iRemit Visa Card be inactive (no debit / credit transaction) for twelve consecutive
months commencing from the last transaction using the card. The charge will start on the 13th month of
inactivity and will continue until the card becomes active or the balance in the card becomes zero. Since your
account will be considered dormant, just re-activate by depositing any amount into your account.
11. What if my card gets captured at an ATM machine abroad? What should I do?
If the iRemit Visa Card gets captured abroad, it shall automatically be destroyed and shall no longer be
returned to the cardholder. Hence, a replacement card shall be requested immediately.
12. What is Online Banking?
It is an infrastructure connected to the existing BancNet ATM Switch network that can accept secure financial
transactions originating from non-traditional channels such as personal computers and mobile phones.
FREQUENTLY ASKED QUESTIONS
13. How can I do transactions through Online Banking?
Log on to www.bancnetonline.com and select Sterling Bank of Asia. BancNet
provides you the convenience of doing your usual ATM transactions such as
balance inquiry, bills payment and prepaid card reloading anytime, anywhere
using any pc or electronic device with access to the Internet.
14. How do I inquire for my balance thru BancNet Online?
a. Log on to www.bancnetonline.com
b. Choose ‘Sterling Bank of Asia’.
c. Read the agreement in using BancNet Online and click
‘I Agree’ button if you agree with the Terms and
Conditions.
d. Select ‘Balance Inquiry’.
e. Key in the following:
- Card number
- Account Type: Savings Account
f. Enter the ATM PIN on the onscreen keypad.
g. Click the ‘Submit’ button.
15. How do I pay bills thru BancNet Online?
a. Log on to www.bancnetonline.com
b. Choose ‘Sterling Bank of Asia’.
c. Read the agreement in using BancNet Online and click
‘I Agree’ button if you agree with the Terms and
Conditions.
d. Select ‘Payment’.
e. Fill out the required fields: i) Biller / Institution, ii)
Account/Subscriber number, iii) Card number,
iv) Account type: Savings, v) Amount to be paid
f. Enter the ATM PIN on the onscreen keypad.
g. Click the ‘Submit’ button.
FREQUENTLY ASKED QUESTIONS
16. How do I pay bills thru BancNet ATMs?
Follow this procedure:
Insert your ATM card and enter your Personal Identification Number (PIN).
On the screen, select: [Payment] [Biller Category]
Ex. [Payment] [Credit Card]
Key-in your billing Account Number.
Choose the account from which your payment will be taken. In the case of
iRemit Visa Card, choose [Savings].
Enter the amount to be paid and confirm it.
Get your transaction slip as proof of payment.
17. Is there a service charge when paying bills thru BancNet Online
and thru BancNet ATMs?
No, there is no service charge.
18. How does mobile banking work?
In partnership with Globe Telecom, BancNet gives its cardholders the
convenience of doing ATM transactions such as balance inquiry, bills
payment and prepaid card reload via Short Messaging Service (SMS) or
text using the cellphone.
19. Is my transaction secure when I do mobile banking?
Yes it is secured. This service will pass thru BancNet security
infrastructure. Access to BancNet Mobile Phone Banking is through MPIN
(Mobile Banking Personal Identification Number) known only to
cardholders. “Account Keys” are used instead of customer’s real account
numbers.
FREQUENTLY ASKED QUESTIONS
20. How can I start doing mobile banking?
You should register in BancNet Online following the steps below:
a. Log on to www.bancnetonline.com
b. Choose ‘Sterling Bank of Asia’.
c. Read the agreement in using BancNet Online and click ‘I Agree” button if you agree with the Terms
and Conditions.
d. Select ‘SMS Registration’.
e. On the SMS Registration Facility page, enter the following information: a) Bank name, b) ATM Card
number, c) Account type: Savings, d) Globe Cellphone number, f) ATM PIN
f. Upon successful registration, you will get your 4-digit or 6-digit MPIN through BancNet Online.
g. To get your Account Key: You will receive your Account Key through a text message to your
cellphone, a few minutes after activation.
21. How do I transact using my Globe mobile phone?
Once your account is activated, just text the command plus MPIN and Account Key, then send to 2956.
FREQUENTLY ASKED QUESTIONS
22. What are the commands for BancNet Globe mobile banking? How will I transact?
The commands are based on the following keywords and arrangement of message:
SMS Banking
Transactions
Keywords
Example
Balance Inquiry
BAL <mpin> <acctkey>
BAL 238912 PTC1
InterBank Fund
Transfer
IBT <mpin> <acctkey> <transferee bank code> <bank
account number> <amount>
IBT 238912 PTC1 CBI 008981233
1350.50
IntraBank Fund
Transfer
TRA <mpin> <acctkey> <amount>
TRA 238912 PTC1 200.00
Auto Reload
of Prepaid
Cellphones
IBT <mpin> <acctkey> ELD <eleven digit celfone no>
<amount>
IBT 1234 RCB1 ELD 09172345678
50
Bills Payment
PAY <mpin> <acctkey> <instname> < subscriber
number> < amount>
PAY 238912 PTC1 CTBVM
5423392628488008 875 45
Checkbook Reorder
CHK <mpin> <acctkey>
CHK 238912 PTC1
List
LIST
LIST
Help
HELP Transaction Keyword
HELP BAL
23. What if I don’t know the keywords for mobile banking?
You may type ‘LIST’ and send to 2956.
24. How much does a mobile banking transaction cost?
The cost to you is PhP 3.00 per transaction.
FREQUENTLY ASKED QUESTIONS
25. List of available BILLERS
Biller / Institution
ATM
BancNetOnline
Globe
Easytrip
√
√
√
Manila Water
√
√
√
Maynilad
√
√
√
Meralco
√
√
X
VECO
√
√
√
AIG Mastercard/VISA
√
√
X
Allied Bank Mastercard
√
√
√
Banco de Oro
√
√
√
Banco Filipino VISA
√
X
X
Bankard MC/Visa/JCB
√
√
X
Citibank MasterCard/VISA
√
√
X
Equitable Card
√
√
X
SB Cards Diners / MC
√
√
X
EastWest Credit Cards
√
√
√
HSBC Credit Cards
√
√
X
MMO Card
√
√
X
UTILITIES
CREDIT CARDS
FREQUENTLY ASKED QUESTIONS
25. List of available BILLERS
Biller / Institution
ATM
BancNetOnline
Globe
Metrobank / PSBank Card
√
√
X
One Card
√
√
√
Standard Chartered Visa/MasterCard
√
√
X
Unionbank Visa
√
√
√
Bayantel
√
√
√
Digitel
√
√
X
Directories Phils
√
√
√
Eastern Telecom
√
√
√
Globe Telecom
√
√
X
INNOVE
√
√
√
PLDT
√
X
X
PT& T/Greendot
√
√
X
SMART
√
√
X
Destiny Cable
√
√
√
SkyCable/ZPDEE
√
√
X
CREDIT CARDS
TELECOMS
CABLE TV
FREQUENTLY ASKED QUESTIONS
25. List of available BILLERS
Biller / Institution
ATM
BancNetOnline
Globe
My Destiny SBC
√
√
√
Infocom
√
X
X
Edsamail
X
√
X
Chinatrust Salary Stretch
√
√
√
Citystate Savings Bank
√
√
√
PS Bank Loans
√
X
X
Citifinancial
√
√
√
Standard Chartered EZ Loan
√
√
√
Citibank Savings Loan
√
√
√
Fortune Care
√
√
√
Fortune Life
√
X
X
New York Life
X
√
√
Paramount Life
√
√
√
Pioneer Life, Inc.
X
√
X
Prudentialife Plans
√
√
X
INTERNET SERVICES
LOAN PAYMENTS
INSURANCE
FREQUENTLY ASKED QUESTIONS
25. List of available BILLERS
Biller / Institution
ATM
BancNetOnline
Globe
Prulife U.K. Insurance
X
√
X
Sun Life of Canada
X
√
√
Bantay Bata
√
√
X
British Embassy
X
√
√
CDC Mimosa
X
√
√
Church of Jesus Christ & Latter Day
Saints
√
X
X
DBTC INC - CEBU
X
√
√
FG Financial Corp.
√
√
X
La Salle Greenhills
√
X
X
Manila Memorial Park
√
X
X
NSO Helpline Plus
√
√
√
Far East Broadcasting
√
√
X
X
√
√
OTHERS
GOVERNMENT
SSS Contributions
For any problems encountered in BancNet Online banking and Mobile
banking, please email [email protected]
COLOR PERSONALITY
Hot Pink
The HOT PINK for
“Smart & Sexy”
Brighter pinks are youthful, fun, and exciting, with the
same high energy as red; they are sensual and passionate
without being too aggressive.
A person with feeling of tenderness, self-worth and love.
EXCITING . . . FASHIONISTA . . . LOVELY
Power Black
The POWER BLACK for
“Bold & Powerful”
Black is authoritative and powerful; because black can
evoke strong emotions, too much can be overwhelming.
A person with a heart that can withstand and triumph
numerous difficulties in life.
FEARLESS . . . STRONG . . . SOPHISTICATED . . .
The SUNNY ORANGE for
Sunny Orange
“Dynamic & Adventurous
Orange radiates warmth and energy. It shines with
optimism, enlightenment, happiness, and carries the
promise of a positive future. This shade will advance from
surrounding colors and instill optimism and energy, as well
as spark creative thoughts.
A person with so much energy, courage and desire for
learning.
ACTIVE . . . VIBRANT . . . OPTIMISTIC . . . ECCENTRIC
Classic Beige
The CLASSIC BEIGE for
“Simple & Practical”
Beige is the color of intellect, knowledge, and wisdom. It
is perceived as long-lasting, classic, and often as sleek or
refined.
A person who is balanced, and is considered to be brainy
and stable.
DEPENDABLE . . . SINCERE . . . FOCUS . . . STABLE
Royal Purple
The ROYAL PURPLE for
“Passionate & Creative”
Purple embodies the balance of red's stimulation and
blue's calm. With a sense of mystic and royal qualities,
purple is a color often well liked by very creative or
eccentric types and is the favorite color of adolescent girls.
A romantic person. Even if you cannot draw a straight
line,
you see life as an artist.
LUCKY . . . CONFIDENT . . . PURPOSE DRIVEN