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 e stores 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 PhP 10.00 Balance inquiry in BancNet / Megalink / Expressnet ATMs PhP 1.00 Sterling Bank of Asia ATMs FREE International Fees (Visa ATMs) Successful withdrawal USD 3.00 Balance Inquiry USD 1.00 Declined transactions 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 Keywords Example Transactions Balance Inquiry 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
UTILITIES Easytrip √ √ √ Manila Water √ √ √ Maynilad √ √ √ Meralco √ √ X VECO √ √ √ CREDIT CARDS AIG Mastercard/VIS A √ √ X Allied Bank Mastercard √ √ √ Banco de Oro √ √ √ Banco Filipino VISA √ XX 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 FREQUENTLY ASKED QUESTIONS 25. List of available BILLERS
Biller / Institution ATM BancNetOnline Globe CREDIT CARDS Metrobank / PSBank Card √ √ X One Card √ √ √ Standard Chartered Visa/MasterCard √ √ X Unionbank Visa √ √ √ TELECOMS Bayantel √ √ √ Digitel √ √ X Directories Phils √ √ √ Eastern Telecom √ √ √ Globe Telecom √ √ X
INNOVE √ √ √ PLDT √ XX PT& T/Greendot √ √ X SMART √ √ X CABLE TV Destiny Cable √ √ √ SkyCable/ZPDEE √ √ X FREQUENTLY ASKED QUESTIONS 25. List of available BILLERS
Biller / Institution ATM BancNetOnline Globe INTERNET SERVICES My Destiny SBC √ √ √ Infocom √ XX Edsamail X √ X LOAN PAYMENTS Chinatrust Salary Stretch √ √ √ Citystate Savings Bank √ √ √ PS Bank Loans √ X X Citifinancial √ √ √ Standard Chartered EZ Loan √ √ √ Citibank Savings Loan √ √ √ INSURANCE Fortune Care √ √ √ Fortune Life √ XX New York Life X √ √ Paramount Life √ √ √ Pioneer Life, Inc. X √ X Prudentialife Plans √ √ X FREQUENTLY ASKED QUESTIONS 25. List of available BILLERS
Biller / Institution ATM BancNetOnline Globe
Prulife U.K. Insurance X √ X Sun Life of Canada X √ √ OTHERS Bantay Bata √ √ X British Embassy X √ √ CDC Mimosa X √ √ Church of Jesus Christ & Latter Day √ X X Saints DBTC INC CEBU X √ √ FG Financial Corp. √ √ X La Salle Greenhills √ XX Manila Memorial Park √ XX NSO Helpline Plus √ √ √ Far East Broadcasting √ √ X GOVERNMENT SSS Contributions X √ √ 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