Frequently Asked Questions

Cards will be mailed to you for your convenience. Simply provide your current mailing address when completing your new card application. Upon receipt of your mailed card, follow the instructions on your card introductory letter for activation.

Customers receiving their cards locally will incur a fee of TT$30 for the TT$ Visa Debit Card and US$5 for the US$ Visa Debit Card.

For customers receiving their cards internationally, our Card Services team members will communicate the FedEx delivery cost prior to mailing.

If you prefer to collect your card at an Investment Centre, you will be notified via email once your new card is available for collection

For new customers our Initial Membership Fees are TT$100 for the TT$ Visa Debit Card and US$20 for the US$ Visa Debit Card.

Annual membership fees of TT$100 for the TT$ Visa Debit Card and US$20 for the US$ Visa Debit Card, are debited on the anniversary month of your application annually.

Card Replacements and Card Reissue fees are TT$50 for the TT$ Visa Debit Card and US$10 for the US$ Visa Debit Card.

With this card, ALL transaction types are FREE of charge at UTC ATMs. Point-of-Sale transactions are FREE at merchant locations wherever the Visa symbol is displayed.

When you use your TT$ Visa Debit Card at a non-UTC ATM, a fee of TT$7.00 is incurred.

When you use your US$ Visa Debit Card, locally and internationally, a US$5 fee is deducted from your account.

If your Card is lost/stolen or misplaced, you can access emergency cash from your US$ Visa Debit Card account by calling toll-free: 1-800-396-9665 (US & Canada) or 1-303-967-1098 (all other countries). Using this method, you can acquire up to US$3,000 (or equivalent) per day for a fee of US$137.48 per request.

In Trinidad and Tobago, TT$ Visa Debit cardholders can withdraw up to a maximum of TT$3,500.00 daily at an ATM (subject to the limits of the individual participating bank ATM rules. At point-of-sale terminals, customers can make purchases up to a maximum of TT$20,000 daily.

US$ Visa Debit cardholders can withdraw up to US$1,000.00 daily (or the USD equivalent based on currency conversion) and make point-of-sale purchases up to a maximum of US$3,000.00 daily.

The New UTC VISA Debit Card will not require pinning. The card packages will include the new UTC VISA Debit Card and a PIN mailer which will be used to conduct all transactions.

You can visit any UTC ATM to customize your PIN at any time.

The Tap To Pay function allows you to pay for small purchases quickly and securely at merchants in four (4) simple steps:

Step 1 – Look for the contactless symbol on the point-of-sale terminals

Step 2 – Tap your card within one inch of the symbol and follow the instructions

Step 3 – Terminal displays: Authorised and Approved Message

Step 4 – Proceed to checkout

• You can Tap To Pay for small daily purchases (not exceeding TT$500 or US$75).
• After conducting five (5) point-of-sale taps in one day, you will be prompted to input your Personal Identification Number (PIN) for the 6th transaction.
• When making purchases exceeding TT$500 or US$75, you need to insert your Card into the point-of-sale device and enter your PIN to complete the payment.
• The Tap To Pay only works for point-of-sale transactions. At ATMs, customers are required to enter a PIN.