Online Banking Features

RepublicOnline Personal Features

Why run to the bank when you can access your bank anywhere, anytime.

You can use RepublicOnline and RepublicMobile to:


  • Account Balances
  • Transaction history
  • eStatements


  • Transfers between personal, third party Republic Bank and Other Bank accounts
  • Real time Credit Card payments
  • Cardless Cash transactions
  • Loan and bill / utility payments
  • Stop cheques / disable your debit and credit cards
New RepublicOnline Features

Why run to the bank when you can access your bank anywhere, anytime.

You can use RepublicMobile to:


  • Account Balances
  • Transaction history
  • eStatements


  • Transfers between your company's Republic Bank Accounts
  • Transfers to any local bank Account
  • Credit Card and Utility Bill Payments
  • Third Party transfers within Republic Bank Accounts

Online Banking Demos


Frequently Asked Questions

Q: How do I complete my personal online banking registration?

Please use the following link to register for personal online banking:

You will be requested to enter the following information:

  • Product Type: You can choose between a Republic Bank account or Republic Bank credit card account to verify your registration.
  • Product Number: This is your 12-digit bank account number OR 16-digit credit card number. You must select the appropriate Product Type depending on if you’re registering using an account or credit card.
  • PIN: If using your bank account, enter your PIN used at Point of Sale terminals or ATMs for your debit card. If using your credit card, enter your PIN used at Point of Sale terminals or ATMs
  • Customer ID: This is a unique ID for you that is associated with all your accounts at Republic Bank. You may have been notified of this ID via email, but you can also contact our Customer Care line for assistance at 623-4RBL (4725)

Once you’ve completed the process, you’ll receive an email with your temporary password. You will then be guided to complete your first-time login, after which, you can enjoy all the benefits of our online banking services. If your account doesn’t have an associated PIN, please make an appointment and visit the Branch nearest you for further assistance.

Q: What will happen if I change/misplace my mobile device?

If you change/misplace your registered mobile device, follow the steps below:

For customers with OTP (One Time Password) or SYNC as second factor authentication

  1. Click on the ‘Lost Phone’ link, which is found on the second-factor authentication step of the login process.
  2. You will be asked to answer your secret question for confirmation and to enter your email address. Once successful, you will be redirected to the login page to enter your username and password.
  3. You will then be asked to select your 'Second-Factor Authentication Device'. Please select RepublicMobile app, go to your relevant app store (PlayStore/AppStore) and download the RepublicMobile app
  4. Select ‘Continue’ on your browser, then select ‘Activate’ on the mobile app.
  5. On the mobile app, you will be asked to enter your username and the option to enter either the Coupon Code or scan the QR code, displayed on the browser. When finished, click ‘Confirm’.

The mobile device should now be updated.

On your next login, you will be requested to enter an OTP or Sync approval done via the mobile app.

For customers with SMS (text) as second factor authentication

If SMS is selected, no action is required once you have access to the same mobile number registered on our service. If you do not have access to the registered number, please follow steps 1 – 3 above, ensuring that you select ‘SMS’ in step 3.

Q: How do I access the mobile app?

To access our mobile app - RepublicMobile, download it from the Apple App Store or Google Play Store on your mobile device. If you are already registered, enter your username and password to proceed. If you are a new user, you can sign up via the app.


RepublicOnline is compatible with the following Internet browsers, which are supported by the web channel only:

  • Chrome
  • Firefox
  • Safari
  • Microsoft Edge
  • Internet Explorer (only version 11 on Windows)

RepublicMobile is compatible with the following smartphone operating systems:

  • iOS 10 or later versions
  • Android 5 or later versions

Note the following additional mobile device requirements:

  • iPhone 5 model or later versions
  • Android: device screen must be larger than 3.5 inches

To disable or delete your online banking profile, instructions should be sent via email to with the following details:

Subject: “Disable/Delete Online Banking User – username”
Full Name:
Customer #:
I want to Disable immediately
I want to Delete immediately
Reason for Request:

All requests must be signed

If you need to acquire your Customer # or encounter any challenges, please contact our Call Centre at 623-4RBL (4725) and one of our representatives will be happy to assist.


The upgraded system offers a variety of new features, including:

  • International wire transfer requests (same currency transfers only, e.g. from USD to USD)
  • Own loan payments
  • Stop cheques
  • Block/Unblock debit card
  • Block credit card
  • Biometric login via mobile app
  • ‘My Finances’ budgeting tool
  • ‘Payments with friends’ (Peer-to-Peer)
  • One-touch access

The Peer-to-Peer payment module allows customers to both request and make quick and simple payments to other Republic Bank customers. With this functionality, you can also structure collection of funds and share expenses. No information of the receiving customer's account is needed, only their cell phone number, which can be selected from the contact list or a new one can be entered if it was not registered. Both the customer initiating the request and the recipient must be active RepublicMobile App customers and have the Payments with Friends feature enabled and configured.

If the recipient has not yet signed up for RepublicMobile or has not configured Payment with Friends, the transaction will remain in a “pending” status and a notification will be sent via SMS to the intended beneficiary along with instructions for downloading the Mobile App for the payment to be completed and confirmed.


This is a mobile app function, which allows the user to be able to see summary information of his/her accounts and cards on the Home screen without having to log in. Upon installing the mobile app, the user can select to activate this functionality, whereby specific ‘Terms and Conditions’ would have to be accepted.


To conduct a transfer, follow the steps below:

Select ‘Transfer’ and choose the type of transfer
Select ‘Debit’ and ‘Credit’ accounts and enter the amount to be transferred
Enter additional data / statement description, select ‘Continue’ and ‘Confirm’ to complete the transaction.

For third party / other bank transfers, you first need to register the beneficiary via ‘Manage > Third Party Beneficiaries / Other Bank Beneficiaries’ and enter the requested information.


To transfer funds to a Scotiabank account, you can use the “Third Party Local Bank” transfer feature, however, the entire account number must be inserted.

Scotiabank account numbers are 12 digits in length - 5 for the branch (called the transit number) and 7 for the recipient’s account number. It therefore means, the total number of digits entered must always be equal to 12.

If the account number is less than 7 digits, the account number is filled with zeros after the transit number so that the total number of digits is 12.

For Example:

  • The transit number for Scotiabank Park & Pembroke Branch is 10405
  • The account number to credit is 133256 (this is less than 7 numbers)
  • To be processed, a zero has to be added after the transit number but before the account number, so that it equals 12. The number will therefore be:
    1 0 4 0 50 1 3 3 2 5 6 (This is: Transit Number + 0 + Account Number)
Transaction Type Minimum Amount Maximum Amount
Between your own Accounts TTD 0.01 TTD 999999999.00
Third Party Republic Bank Account TTD 0.01 TTD 50000.00
Third Party Local Bank Account TTD 0.01 TTD 20000.00
International Bank Account TTD 0.01 TTD 50000.00
Utility Payments TTD 0.01 TTD 50000.00
Your Credit Card Payments* TTD 0.01 TTD 999999999.00
Loan Payments** TTD 0.01 TTD 999999999.00
Republic Bank Credit Card Payments TTD 0.01 TTD 50000.00
P2P TTD 0.01 TTD 50000.00
Cardless Cash TTD 20.00 TTD 1500.00
Load Your Own VTM Card USD 0.45 USD 1080.00
Load Third Party VTM Card USD 0.45 USD 1080.00

*As a result of the ongoing challenge with foreign exchange availability, effective March 23, 2021 and until further notice, you can only use up to a maximum of US$10,000 or up to your credit limit if your limit is less than US$10,000, per statement cycle. This includes foreign transactions that are applied to the TT$ side of your account. This change does not affect local transactions on the TT$ side of your account.

**Payments can be made using online banking, however, a loan cannot be completely paid off / closed via these channels.


Cardless Cash is a feature of online banking (Personal) which allows users to access up to TT$1,500 daily at any Republic Bank Blue Machine, without the use of a card. These funds can be sent to yourself or anyone with a mobile number.

Once a Cardless Cash transaction is completed, a Transaction ID and Cash Code will be sent via SMS (text) to facilitate accessing cash via the ATM. These codes are only valid for one-time use and expire within 48 hours.


For Republic Bank beneficiaries – The transfers are instant. Therefore, the beneficiary will have access to the funds right away.

For local Other Bank transfers – Transfers submitted by or before 12:00 noon, will be sent to the beneficiary’s account by the end of day. Requests submitted after 12:00 noon, will be sent the following business day. Transfer submitted on weekends or public holidays will be sent on the following business day.


If your third party Other Bank transfer was unsuccessful, you will receive an e-mail advising of the failed transfer.


Yes, you can complete same-currency international wire transfer transactions. For example, if you have a USD bank account with Republic Bank, you can send funds to another USD bank account internationally.

Please note that local-currency and cross-currency wire transfers are not permitted via RepublicOnline. If you would like to send TT dollars to another local bank, you can avail of the Third Party Local Bank Account Transfer feature.

Please note that wire transfers can only be initiated via RepublicOnline. It cannot be done via RepublicMobile.


A processing time of two days is applicable for wire transfers being sent through RepublicOnline.


Similar to in-branch requests for wire transfers, customers will require the following information to do the same via RepublicOnline:

  • ABA number/Routing No.
  • Swift Code
  • Transit No./Sort Code
  • Beneficiary Name, Address & Country
  • Beneficiary Account Number/IBAN
  • Beneficiary Bank Name & Branch
  • Beneficiary Bank Address & Country

Yes, you can request a Manager’s Cheque in local currency only. Customers should visit any of our branches for further information on the purchase of foreign currency drafts.


You will have two options for loan payments:

  1. Loan Payment – This is your usual monthly installment amount. The amount paid will reduce the overall outstanding balance on the loan.
  2. Principal Payment – this is an amount, determined by you, which will be applied to the principal of the loan and is considered an additional payment. This is a separate payment to the customer’s monthly installment.

Please note that customers cannot pay off their loans via online banking.


Customers with joint accounts that require more than one signature for transactions will only have ‘Viewing’ access to the joint account(s). For joint accounts that require only one signature for transactions, all account holders will be able to view and conduct transactions via online banking.


There are some exceptions to the transactions that can be done on the app. Retail users cannot do the following transactions via the app:

  • International wire transfers
  • Multiple transfers
  • Add beneficiaries (the only exception will be for Other Banks and Utility Payments)

Balance Cover can be accessed by opening the Menu, then selecting 'Service Requests, then Balance Cover’.

Please note that the Balance Cover link is not compatible with Internet Explorer 11 or older versions.


Online banking offers a safe and convenient platform for all your banking needs. It provides enhanced security features such as second-factor authentication, a security image and secret questions/answers.


When creating your password, it should be 8 to 12 characters long and include at least a capital letter and a number. No special characters are allowed.


You are not required to change your password, as passwords do not expire with the new RepublicOnline.


RepublicOnline’s second-factor authentication is an additional layer of security to ensure your online banking profile is protected. It is an additional step in the login process, which will now be done using your mobile device, instead of the ID Secure card.

You can now choose to use an SMS Code (text), a One Time Password (OTP) or Sync options for your second-factor authentication.

SMS Code

An SMS code is a 6-digit code that is sent to your mobile device, via text, each time you start logging in. You will be required to enter this code to gain access. Please note, standard SMS charges will apply.


An OTP is a 6-digit code that can only be used once to login and is only valid for 30 seconds. Once it expires, the app will generate another OTP every 30 seconds until the login process is complete.


The Sync option is a process where the Mobile app prompts for your approval when attempting to login. To activate Sync Approval, go to the RepublicMobile app, select the ‘Sync Approval’ button on the home screen and simply select either ‘Approve’ or ‘Reject’ as desired to continue.


To add an alternative second-factor authentication method, follow the steps below:

  1. Log into RepublicOnline using your existing second-factor authentication method.
  2. Click the menu at the top left-hand corner of the screen. Select ‘Settings, Personal Settings’ and under the ‘Security’ tab, click ’Change Security Devices’.
  3. You will be prompted to enter your secret answer. Once successful, you will be allowed to add an alternative second-factor authentication method. If all methods are enabled, you will receive the following error: “There are no security devices available for enrollment.”

Please note: once a second authentication method is enabled, it cannot be disabled.


If you forgot your password, select the ‘Reset Password’ link on the password screen. You will be prompted to enter your secret answer and email address. Once confirmed, a temporary password will be sent to you via email, which expires within 24 hours. When the temporary password is used to login, you will be prompted to change your password.


To unlock your profile, select ‘Unlock User’ on the password input screen. You will be prompted to enter the secret answer and your email address. Once entered correctly, you will be successfully unlocked.

NB: If a user is blocked, he/she will have to contact the bank to be unblocked.


This error appears is due to connectivity challenges. Please retry and you should be able to login successfully. Additionally, it is advisable to clear the cookies and cache on your browser prior to attempting.


There are no additional fees for online banking transactions. However, all standard bank charges remain applicable for the respective transactions done via online banking.


Yes. The use of our online banking is not limited to Trinidad & Tobago and is accessible in any country or location that has internet access.

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