Experience the new


It's easy, safe and fast.

Effective August 29, 2021 we have upgraded our RepublicOnline platform, should you encounter any challenges, please contact internetbanking@rfhl.com or call 1-767-448-4725.

New Online Banking Features

New RepublicOnline Features

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

You can use RepublicMobile to:


  • Account Balances
  • Transaction history
  • eStatements


  • Transfers between personal, third party Republic Bank and Other Bank accounts
  • Cardless Cash transactions
  • Real time credit card payments
  • Pay your Loans
  • Bill/utility payments, using your Republic Bank accounts or credit cards

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: https://republiconlineec.rfhl.com/RBEC.UI/#/administrationGeneral/login

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 1-767-448-4725 (4RBL)

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 (except 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 internetbanking@rfhl.com 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 1-767-448-4725 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
  • Cardless Cash

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.


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.

Transaction Type Maximum Amount
Between your own Accounts US$999,999,999.00 (Unlimited)
Third Party Republic Bank Account EC$27,000.00 / US$10,000.00
Third Party Local Bank Account EC$27,000.00 / US$10,000.00
International Bank Account EC$27,000.00 / US$10,000.00
Utility Payments EC$27,000.00 / US$10,000.00
Credit Card Payments EC$27,000.00 / US$10,000.00
Loan PaymentsEC$27,000.00 / US$10,000.00
Third Party Credit Card Payments EC$27,000.00 / US$10,000.00
Payment with FriendsEC$27,000.00 / US$10,000.00
Cardless Cash EC$1,000.00 / US$370.00

*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 EC$1,000 or US$370. daily at any Republic Bank ATM, 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 EC 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)

Yes, you will be asked to complete the new registration form enclosed in your ReublicOnline welcome package to facilitate your access to the new online banking platform. This form will require you to confirm your company and site administrator details, and indicate your agreement with the RepublicOnline Terms and Conditions.


You will be able use the same RepublicOnline login credentials to access your accounts in all territories except Republic Bank (BVI) and Republic Bank (St. Maarten). Access across territories will be as follows:

  • Shared RepublicOnline Access:
    • Republic Bank (Anguilla)
    • Republic Bank (Dominica)
    • Republic Bank (Grenada)
    • Republic Bank (St. Kitts and Nevis)
    • Republic Bank (St. Lucia)
    • Republic Bank (St. Vincent and the Grenadines)
  • Separate RepublicOnline Login Republic Bank (BVI)
  • Separate RepublicOnline (St. Maarten)

Your employees should provide you with their new account numbers directly. We are also prepared to work with your organisation to ensure that your payroll/ direct credit file meets the Bank’s specifications for processing on our corporate online banking platform. We invite you to assign a liaison who can provide us with a sample payroll file which we will validate, test on our system and return to you to be used as a sample file for future payroll processing when the new system goes live on September 1st, 2021.


The appendix of your RepublicOnline User Guide contains complete details of the file specifications for upload.


Registered payees will not be migrated to the new platform. Their details will need to be entered into the new platform.


The platform will only be accessible after our new systems go live on September 1st.


Yes. This provides an added layer of security for our users and is set up during your initial registration process.


Yes. To change your second factor of authentication, simply visit RepublicOnline, go to settings and register your new preferred method.


Yes. You also have other options for 2nd factor authentication, such as the mobile app.


Yes. When your RepublicOnline registration is approved you will receive an automated email from “RepublicOnline” containing a temporary password.


Your Client Relationship Manager is your main contact for file uploads.


Yes. With the platform approval schemes can be created to allow multiple approval levels.


Yes. Approval schemes allows your company to identify users and their authorisation limits to conduct transactions and must be created for every transaction.


Yes. Your main administrator must take the action to set up additional administrators/users. Each site can have up to 5 admins (maximum). However, the number of users can be unlimited.


Your customer ID would have been shared with you along with your new Republic Bank account number. You’ll need your customer for registration and any future instances where a user needs to be verified.

Please contact your Client Relationship Manager if you have not received your new account details.


Only copies of the cheques will be available for viewing on RepublicOnline. Vouchers will not be available.


Your statement history will show your last 12 statements. The time covered by your last 12 statements depends on the frequency of your statements. For example, if you receive quarterly statements, your statement history will extend to the last 12 quarters. If you receive daily statements, your statement history will extend to the last twelve days.


Payments made to incorrect Republic Bank account numbers will not be processed. However, payments made to incorrect numbers from other banks will be processed, as the Bank is unable to validate the other bank account numbers.

If payment is made to an incorrect account number, the funds will be returned through ECACH.


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.

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 Dominica and is accessible in any country or location that has internet access.

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