Card Management System (CMS)

Dear cardholder,

We are excited to share the news that we have upgraded our Visa Debit Cards to the latest Chip and Pin technology so that you can conduct your transactions with a greater sense of ease and safety. Existing cardholders can secure their new cards at the Investment Centre where you previously collected your cards.

Here are some FAQs to address any concerns:

The new UTC Visa Debit Card replaces your current Card and comes with these benefits:

  • Increased Security through Chip and Pin technology.
  • Contactless Payments: Tap To Pay for small purchases quickly and securely at available point-of-sale terminals.
  • The comfort of using your TT$ Visa Debit Card locally and US$ Visa Debit Card internationally to make online purchases.
  • Email notifications – Receive email notifications of your card transaction activity.

*From 4:00 pm on Friday 16th September your current/old TT$ and US$ will expire.

Your new UTC Visa Debit Card becomes active on 21st September 2022.
All customers are required to collect your new UTC Visa Debit Cards at the Investment Centre where you previously collected your cards. Dedicated Card Services Representatives are waiting for you at our Investment Centres.
Of course, if you wish to collect your card at an IC other than the one where you usually conduct business, call our Contact Centre 625-8648, Option 3, to make your request.

Your card must be collected at one of our Investment Centres.

Click here to view a list of our Investment Centres and their contact information.

When you come to collect your card, please remember to walk with a valid form of National Identification.
Your card package will contain the new Visa Debit Card attached to an Introductory Letter and your PIN. The PIN is the four-digit number you will utilize to conduct ATM and point-of-sale transactions.
No, you cannot change your PIN.
Yes, you can have your card mailed to you. Call our Contact Centre at 625-8648 (UNIT), Option 3, to make your request.
Yes, your card will be mailed to you via FedEx. If your mailing address has changed, you can contact us at visaservices@ttutc.com.
Anyone within the household can collect the cards. TTPOST will make contact before delivering the package so that customers can confirm collection details. If customers are contacted by TTPOST and request the card be delivered to another address, then the card MUST be collected by the cardholder.
Undelivered cards will be returned to the Electronic Distribution Channel department (EDC), where they will be stored until the customer is contacted and new collection arrangements are 3 made. If EDC cannot reach cardholders via phone and/or email within three (3) monthand, the card will be disposed of.
On the face of your UTC Visa Debit card, there is information about your card expiration date next to the wording “VALID THRU”.
We will be accepting requests for new card applications from September 22nd, 2022.

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

Annual card fees are TT$100 for the TT$ Visa Debit Card and US$20 for the US$ Visa Debit Card. 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.

Chip and Pin cards have a small metallic chip on the front that holds your payment data. This metallic chip is designed to reduce fraud, and it does so by providing a unique code for each purchase you make.

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$300 or US$50).
  • After conducting three (3) consecutive point-of-sale taps in one day, you will be prompted to input your Personal Identification Number (PIN) for the 4th transaction.
  • When making purchases exceeding TT$300 or US$50, you need to insert your Card into the point-of-sale device and enter your PIN to complete the payment.
  • The Tap To Pay only works for point-of-sale transactions. At ATMs, customers are required to enter a PIN.
In Trinidad and Tobago, TT$ 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$3,000.00 daily.
If your Card is lost/stolen or misplaced, you can access emergency cash from your UTC US$ 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. The Card replacement fee is TT$100.00. You can have your Card mailed to you locally or internationally. Simply send your request via email at: visaservices@ttutc.com or call the Contact Centre at 625-UNIT (8648), Option 3, for guidance.
UTC US$ VISA Debit Cardholders are asked to advise us of travel details prior to departure by calling 625-8648, Option 3 or email visaservices@ttutc.com. You can also visit our Investment Centres for further advice and assistance. By using our new UTC VISA Debit Card, you accept and agree to the Terms and Conditions as specified within our Visa Debit Card Conditions of Use Agreement. For further information about our cards and to view the Terms and Conditions, go to www.ttutc.com/card. If you have any additional queries or require assistance at any time, call our Contact Centre at 625-8648 or email visaservices@ttutc.com.

We Are Your Partners for Life!

Core Project Team Members

Deyson Scott

Project Sponsor

Shairoon Ali

Project Manager

Kofi Charles

EDC Card Business Lead

Duane Cockburn

EDC Card Services SME

Khori Regis

EDC Card Services SME

Dexter Chong

Business Analyst

Giselle Baptiste

IC SME

Support Project Team Members

Natasha Clarence

EDC Lead

Tony De Nobriga

ICT Lead

Miguella Phillip Nelson

Assistant Manager Application Dev't

Brent Francis

Programmer Analyst

Kevin Cato

System Analyst

Kathy Nelson-Joseph

Assistant Manager Production Control

Nigel Forde

Assistant Manager Infrastructure

Natalie Goodridge

Manager BTP - Finance

Nikeshia King

Talent Officer

Shamine Chainani

Communications Officer

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