Terms and Conditions for Cardless Cash Payment Service


"Account" shall mean any Republic Bank Limited chequing account, savings account, investment account, credit card account or VTM account held by a User.
"Affiliate" of Republic Bank Limited shall mean and include any company which is the holding company or subsidiary of Republic.
"Facility" shall mean the Cardless Cash facility provided by Republic Bank Limited to the Users, by the use of which the User can remit funds to the Recipient from their Account through the modes specified by Republic.
"Mobile Phone Number" shall mean the User’s registered mobile number with Republic Bank Limited, provided by the User on RepublicOnline.
“Republic” shall mean Republic Bank Limited being a company continued under the Companies Act Chap 81:01 of the Laws of the Republic of Trinidad and Tobago and having its registered office at 9-17 Park Street, in the City of Port of Spain, Trinidad. The expression Republic shall include its successors and assignees.
"Recipient" shall mean a Republic Bank Limited customer or a Non Republic Bank customer including an individual not having any existing banking relationship, as the case may be.
"RepublicOnline" shall mean and refer to the trade name of Republic Bank Limited's Internet Banking Service / internet banking portal that is owned, established and maintained by Republic Bank Limited.
“Terms and Conditions” shall means the terms and conditions for the Cardless Cash Payment Service as contained herein.
"User" shall mean a customer of Republic Bank Limited holding an Account and who is availing the Facility.

In agreeing to the Terms and Conditions for RepublicCardless Cash Payment you are also agreeing to the terms and conditions for RepublicOnline. Please click here to access the RepublicOnline terms & conditions.

Faculty Terms

By availing the Facility, there is a daily limit of five hundred Trinidad and Tobago dollars (TT$500.00) and that amounts must be divisible by twenty dollar ($20.00) denominations. The User shall submit a request for the Facility by use of RepublicOnline. The request shall be in such form and manner as may be specified by Republic from time to time. The User for the purpose of availing the Facility, shall submit a request via RepublicOnline by providing all necessary information that shall be required by Republic for the processing of the requested transaction. The User shall avail of the payment methods, to be amended at the sole discretion of Republic from time to time, as are provided through RepublicOnline.

Republic shall be entitled to withhold the funds to the Recipient in the event any incorrect details are submitted by the Recipient and in such event Republic shall not be liable in any manner to the Recipient or the User. The Recipient shall approach any of the specified Republic ABMs to withdraw the monies transferred within forty eight (48) hours of the transaction being made by the User or such other time as may be prescribed by Republic from time to time, failing which the transaction will be deemed to be cancelled. The entire amount transferred to the Recipient shall be withdrawn by the Recipient at once and no part withdrawals shall be permitted. The User shall be entitled to transfer monies by use of the Facility to each Recipient up to such limit in such period, as may be prescribed by Republic, from time to time.


The User irrevocably and unconditionally authorises Republic to access his Account for effecting instructions for funds transfer through the Facility and to share the Account information with any third parties as may be required for the purpose of accepting/ executing such requests of the User.


All the records of the transactions that are received by the User at the time of operation of Facility are only a record of the operations so carried out by the User and shall not be construed as Republic's own record of the transaction maintained through computer system or otherwise. Republic’s own records of the transactions maintained through computer system(s) or otherwise shall be accepted as conclusive and binding for all intents and purpose. All records of Republic generated by the transactions arising out of use of the Facility, including the time of the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transactions.


The User undertakes to provide accurate and complete information wherever required and shall be solely responsible for the correctness and completeness of information provided by him to Republic at all times, including, but not limited to, for the purposes of availing of the Facility. Republic shall not be liable for consequences arising out of erroneous information supplied by the User. If the User suspects that there is an error in the information supplied by Republic to him, he shall advise Republic as soon as possible. Republic will endeavour to correct the error wherever possible on a best effort basis. While Republic will take all reasonable steps to ensure the accuracy of the information supplied to the User, Republic shall not be liable for any inadvertent error, which results in the providing of inaccurate information.


The User agrees that Republic shall not be liable if:

  • The User has breached any of the Terms and Conditions contained herein; or
  • the User has contributed to or the loss is a result of failure on part of the User to advise Republic within a reasonable time about unauthorised access of or erroneous transactions in the Account by use of the Facility; or
  • Republic shall endeavour to provide the Facility on a best effort basis and the User shall not hold Republic liable for non-availability of the Facility or non-performance by service providers, if any, engaged by Republic or any loss or damage caused to the User as a result of use of the Facility for causes which are not attributable to Republic.

Republic shall not be liable in any manner to the User in connection with the use of the Facility. Without limitation to the other provisions of these Terms and Conditions, Republic, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the User or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of Republic in receiving and processing the request or any failure, delay, interruption, suspension, restriction, or error in Republic's system and/or any third party who provides such services as is necessary to provide the Facility. Notwithstanding anything in the contrary provided in these Terms and Conditions, Republic shall not be involved in or in any way liable to the User for any dispute between the User and the Recipient. The User agrees that Republic may hold and process his personal information concerning his Account on computer or otherwise in connection with the Facility as well as for analysis, credit scoring and marketing. The User also agrees Republic may disclose, in strict confidence, to other institutions, such information as may be reasonably necessary for reasons inclusive of but not limited to compliance with legal and/or regulatory directives, for credit rating by recognized credit scoring agencies, and for fraud prevention.

Republic shall not be liable for any losses, damages, expenses and/or claims whatsoever, suffered by the User or Recipient or any other person arising out or related to :-

  • (a) acts in good faith on any instructions received by Republic from or on behalf of the User in relation to the Facility;
  • (b) Error, default, delay or inability of Republic to act on all or any of the instructions given by the User
  • (d) Loss of any information/instructions in transmission;
  • (e) Unauthorized access by any other person to any information /instructions given by the User or breach of confidentiality;


In consideration of Republic providing the Facility, the User, at his own expense, agrees to indemnify, defend and hold harmless, Republic, its directors and employees, representatives, agents, as the case may be, against all losses, damages, expenses, actions, claims, demands and proceedings whatsoever, that Republic may incur, sustain, suffer or be put to at any time as a consequence of acting on or omitting or refusing to act on any instructions given by the User or otherwise for use of the Facility.


Republic shall have the discretion to charge such fees as it may deem fit from time to time and may at its sole discretion, revise the fees for use of any or all of the Facility, by notifying the User of such revision through RepublicOnline, in writing or in any manner as may be specified by Republic from time to time. The User shall be required to refer to the schedule of fees put up on RepublicOnline from time to time. In the event however if the monies transferred by use of the Facility are not withdrawn by the Recipient within the period as prescribed by Republic and such monies are consequently credited back into the Account, the User shall not be liable for any fees.


Republic shall have the absolute discretion to amend or supplement any of the Terms and Conditions, features and benefits in relation to the Facility. Republic may communicate the amended Terms and Conditions by hosting the same on RepublicOnline or in any other manner as decided by Republic. The User shall be responsible for regularly reviewing these Terms and Conditions, including amendments thereto as may be posted on RepublicOnline and shall be deemed to have accepted the amended Terms and Conditions by continuing to use the Facility. Any change in the Terms and Conditions shall be communicated to the User, in the manner as aforesaid, one month prior to the date of their implementation.


Republic may, at its discretion, temporarily withdraw or terminate the Facility, either wholly or in part, at any time without giving prior notice to the User. Republic may, without prior notice, suspend the Facility at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which require the suspension of the Facility. Republic shall endeavour to give a reasonable notice for withdrawal or termination of the Facility. The closure of the Account of the User will automatically terminate the Facility. Republic may suspend or terminate Facility without prior notice if the User has breached these Terms or Conditions or Republic learns of the death, bankruptcy or lack of legal capacity of the User.


Republic and the User may give notice under these Terms and Conditions electronically (which will be regarded as being in writing) or in writing by delivering them by hand or by sending them by post to the registered address of the User, last recorded with Republic and in case to Republic at its registered office. In addition, Republic shall also provide notice of a general nature regarding the Facility and the Terms and Conditions, which are applicable to all Users using the Facility, on its RepublicOnline and/ or also by means the customised messages sent to the User over his Mobile Phone Number as SMS or other mode as may be deemed fit by Republic. Such notice will be deemed to have been served individually to each User.


This Facility and the above Terms shall be construed in accordance with the Laws of the Republic of Trinidad and Tobago. Any dispute or differences arising out of or in connection with the Facility shall be subject to the exclusive jurisdiction of the Courts of the Republic of Trinidad and Tobago.