1. Can I receive my wage/ salary into my card/account?
No - After the 17 July wages/salaries cannot be received into your card/account
2. Can I receive Social Welfare Benefits into my Card/account?
No funds can be received into your card/account (save for refunds and chargebacks)
3. Can I receive inbound SEPA payments into my card/ account?
No funds can be received into your card/account (save for refunds and chargebacks)
4. Can I load funds into my card/ account?
No funds can be received into your card/account (save for refunds and chargebacks)
5. Can I send and receive money to and from cards in my name?
No you cannot make a card-to-card/account to account transfers. The card/account you are attempting to send the funds to will not be able to load.
6. Can I transfer my funds to an external bank account?
Yes - all IBAN enabled account holders can transfer their funds to an external account in their name
7. Can I still receive any merchant refunds?
Yes - refunds can be received to your card/account, the timing of the refund will depend on the merchant. It will be up to the cardholder to monitor the balance on their card or account to identify when the refund/ chargeback has been received. The card/account holder should progress to spend funds on their card/account.
8. Can I still receive chargebacks?
Yes -chargebacks can be received, chargebacks can take up to 45 days depending on the dispute (some chargebacks can take longer). It will be up to the cardholder to monitor the balance on their card or account to identify when the refund/ chargeback has been received. The card/account holder should progress to spend funds on their card/account.
9. How can I spend my remaining funds?
Funds can be spent in the same manner as before your card/account moved to spend only. The spending functions on your card/account have not changed.
10. Are ATM withdrawals still available?
Yes – ATM withdrawals are possible where they were possible before 17 July
11. Can I still use my IBAN to receive payments?
No - You will not be able to receive any payments to your card/account funds will not be received into your account (save for refunds and chargebacks).
12. What happens to any automatic payments/ DD/ SO or subscriptions linked to my card?
Automatic payments will continue to be made as long as funds remain on the account/card. We strongly recommend you immediately make alternative arrangements for automatic payments.
13. Can I still use my gift card?
Yes - you can continue to spend the available funds on your gift card. We strongly recommend you immediately spend available funds on your gift card.
14. Can I load my voucher to my card/ account?
No - vouchers cannot be loaded to cards/ accounts after 17 July.
Vouchers that have not been loaded before 17 July 2024 are void after that date. Please contact your distributor directly for more information. PCSIL cannot assist with vouchers that have not been loaded pre-17 July 2024.
15. Will I be charged fees as normal?
Yes - fees will continue to be charged per your card/account holder terms & Conditions.
16. Can I request a new card if my card is lost, stolen or malfunctioning?
Yes - please contact your distributor to request a replacement card.
17. Expired card – can I get a new card?
Yes - cards that expire after 17 July that have available balances will be replaced. Please contact your distributor to request a new card.
18. Will my funds transfer from my old card to the new replacement card?
Yes - this process will remain in place to facilitate spending of remaining funds on your replacement card.
19. Can I freeze my card if I thinks it’s lost or stolen?
Yes - the freeze and unfreeze function will not be impacted.
20. Can I retrieve my PIN number?
Yes - you can retrieve your pin; this function will not be impacted.
21. Can I continue to apply for a refund?
Cardholders, with inactive/closed cards, can continue to apply for refunds of their funds, subject to compliance with the Customer Due Diligence (“CDD”) requirements. Please email [email protected] to request a refund. The following is the standard process for refunds:
A refund can only be processed if the required CDD documentation is provided:
Consumer cardholder/accountholder refund
1. Cardholder Identification number (CHID)
2. Photographic Identification (Passport/ driving licence)
3. Proof of address (utility bill)
4. Details of the bank account the funds to be sent to along with a scanned copy of the bank account statement dated in the last three months. The bank account statement must have the same address as the Proof of Address.
Note Funds can only be returned to an account held in the cardholder’s name.
Corporate/account holder Refund
1. Signed letter from an authorised official of the company requesting the funds to be returned. This letter should be on company headed paper. Further information may be sought to verify and validate the late redemption request.
2. The signed letter must include the following details:
a. Company Name
b. Cardholder ID and DC number
c. Amount and Currency Details
d. Beneficiary details for the transfer (copy bank statement required)
We strongly recommend cardholders/account holders continue to spend the balance of funds on their card/ account or alternatively transfer any balance on the card to another IBAN account (if applicable) as soon as possible.
