PCSIL is in insolvent liquidation and no longer trading. All of the cards under PCSIL are now closed and cardholders cannot access their funds. Cardholders will be able to obtain a refund once the Liquidators receive directions from the High Court in Ireland. In the meantime, please email [email protected] and provide your name and cardholder ID (CHID) so that you can be kept informed of any updates.
You should continue to check on www.interpath.com/pcsil for updates on the refund process and when it will commence.
Note: cardholder funds remain safeguarded
1. How can I spend my remaining funds?
Your card/account is closed and can no longer be used for any purpose. If you have any remaining balance on your card / account you will be unable to obtain a refund until the Joint Liquidators receive directions from the High Court in Ireland.
We anticipate this process will take a number of months. In the meantime, if you wish to be added to an email distribution list for email updates, please email [email protected] with your full name and Cardholder ID (CHID).
2. When will my card be reopened?
Your card has been permanently closed and will not be reopened. Please refer to Q1 for additional information.
3. What High Court directions are the Liquidators seeking?
4. How can I apply for my refund – (see diagram at end of document)
You cannot currently apply for a refund. Once directions are received from the High Court in Ireland, we intend to open a refund portal so cardholders can apply for a refund. The liquidators will communicate with cardholders when they can make refunds.
In the meantime, if you wish to be added to an email distribution list for email updates, please email [email protected] with your full name and Cardholder ID (CHID). You should regularly check for any available updates on the start of the refund process at www.interpath.com/pcsil .
Once the refund portal is open, cardholders will be required to upload information to the portal to apply for a refund. We currently anticipate this will include:
Please note that these funds can only be returned to an account held in the card holder’s name.
5. When will the High Court In Ireland provide direction
The timing of receipt of High Court directions is outside of the control of the Joint Liquidators.
It is likely that it will take at least six months before any refunds are processed. You should continue to check on www.interpath.com/pcsil for updates on the refund process and when it will commence.
6. Can I receive my wage/ salary into my card/account?
No. The ability to receive wages/salary into your card/account was stopped on 17th July 2024.
7. Can I receive Social Welfare Benefits into my Card/account?
No. The ability to receive social welfare benefits into your card/account was stopped on 17th July 2024.
8. Can I receive inbound SEPA payments into my card/ account?
No. The ability to receive inbound SEPA payments into your card/account was stopped on 17th July 2024.
9. Can I load funds into my card/ account?
No. The ability to load funds into your card/account was stopped on 17th July 2024.
10. Can I send and receive money to and from cards in my name?
No. As set out in our answer to Q1 your card / account is permanently closed.
11. Can I transfer my funds to an external bank account?
No. As set out in our answer to Q1 your card / account is permanently closed.
12. Can I still receive any merchant refunds/chargeback ?
Merchant refunds and chargebacks can still be received to your closed card/account.
Any successful chargeback or merchant refund will lead to an increase in funds in your account and increase the refund amount due to you.
You may be able to view the balance on your closed card via your distributor app (if this app remains operational). If this view is possible then you can check if your refund or chargeback has been received. Note PCSIL cannot provide cardholder balances. Your balance can be confirmed when the refund portal is active.
The timing of the refund/chargeback will depend on the merchant/Mastercard.
13. Are ATM withdrawals still available?
No. As set out in our answer to Q1 your card / account is permanently closed.
14. Can I still use my IBAN to receive payments?
No. The ability to receive inbound SEPA payments into your card/account was stopped on 17th July 2024.
15. What happens to any automatic payments/ DD/ SO or subscriptions linked to my card?
Any automatic payments, direct debits, standing orders, or subscriptions linked to your card will be returned as unpaid. We recommend you immediately make alternative arrangements.
16. Can I still use my gift card?
No. As set out in our answer to Q1 your card / account is permanently closed.
17. Can I load my voucher to my card/ account?
No. The ability to load vouchers to any card / account was stopped on 17th July 2024.
You cannot obtain a refund from PCSIL for vouchers not loaded to your card/account before your card was closed. Please contact your distributor directly to understand what plan they have put in place to enable you to load your voucher.
18. Will I be charged fees as normal?
No fees will be charged on any cards.
19. Can I request a new card if my card is lost, stolen or malfunctioning?
No replacement cards will be issued.
20. My card has expired, can I obtain a new card?
No replacement cards will be issued.
21. Can I freeze my card if I thinks it’s lost or stolen?
Your card/account is already closed and can no longer be used for any purpose.
22. Can I retrieve my PIN number?
No. As set out in our answer to Q1 your card / account is permanently closed.
23. My card was closed prior to the Insolvency. Can I get a refund?
Yes – see Q4 above.
24. My card was blocked prior to the Insolvency. Can I get a refund?
Yes – pending customer due diligence. See Q4 above.
Cardholder Refund Diagram
