RepublicOnline Frequently Asked Questions

  • Who can sign up for RepublicOnline?

    Any individual who has an existing Republic Bank Limited account in Trinidad & Tobago i.e (deposit, loan, credit card, investment).

  • What do I need to access RepublicOnline?

    A PC with a secure Internet connection, a User ID and Password. RepublicOnline is compatible with Internet Explorer, Mozilla Firefox, Safari and Google Chrome browsers. You can also access RepublicOnline from your smartphone or tablet running Apple iOS, Windows and Android. For best results, we recommend that:

    • The computer is equipped with Internet Explorer version 7.0 or higher or Mozilla Firefox 4.0 or higher.
    • The browser must be Java enabled and support at least 128-bit SSL encryption
    • For better response times, a high speed internet connection is recommended.
  • How can I register?

    Log on to republictt.com and click on the RepublicOnline logo, then follow these simple steps

    • Click on the SIGN ON button
    • Select from one of the three options available
    • Review and agree to the Republic Bank Internet Banking Terms of User Agreement
    • Complete RepublicOnline Registration Form
    • Tick button if you desire the added security of the Republic ID Secure card
    • Print, sign and submit the Republic Bank Branch nearest you. All foreign based customers are required to notarize their application form
  • Are there any fees associated with RepublicOnline?

    Currently, the service is offered to customers free of charge. However, the normal fees associated with the products e.g. deposit accounts, credit cards, etc. will be applicable.

  • How do I transfer funds between banks using RepublicOnline?

    Simply log in to RepublicOnline > Select “Transactions” > “Funds Transfer” > “Third Party Account(s)– Other Bank” > Enter all requested information.
    The recipient of the funds must first be added to your list of Third Party – Other Bank Payees using RepublicOnline, before any transfers/payments can be made.

  • How do I transfer funds between banks using RepublicMobile App?

    Simply log in to the RepublicMobile App > Select “Transfer Funds” > Select “Third Party Account(s) – Other Bank” > Enter all requested information.
    The recipient of the funds must first be added to your list of Third Party – Other Bank Payees using RepublicOnline, before any transfers/payments can be made.

  • What information do I need to transfer funds from my deposit account to someone else’s at another bank?

    To transfer funds to someone at another bank, you will need:

    • Payee’s Name
    • Account Number
    • Account Type (e.g. Savings or Chequing)
    • Bank Name

    For transfers to Scotiabank, the location of the branch is required.

  • Can I transfer funds to a credit card account at another bank?

    Currently, only transfers to savings/chequing accounts are possible using the Other Bank transfer feature.

  • Which local banks can I transfer to?

    You can transfer funds to First Citizens Bank, Scotiabank, RBC Royal Bank, Citibank Trinidad, Bank of Baroda, JMMB and First Caribbean International Bank.

  • Can I transfer funds to commercial banks outside of Trinidad and Tobago?

    Currently, transfers can only be done to commercial banks within Trinidad and Tobago.

  • Can I transfer funds to my Credit Union account?

    Transfers can only be done to commercial banks within Trinidad and Tobago.

  • How much can I transfer to other local banks?

    The minimum dollar value that can be transferred daily is $0.01. The maximum dollar values that can be transferred daily are:

    • for Retail accounts – $20,000e
    • for Corporate/Commercials accounts – $50,000
  • What currencies can I transfer to other local banks? Can I interchange currencies? i.e. send TT dollars to US dollar accounts

    At this time, only TT dollars can be transferred.

  • What does it cost to transfer funds to other banks?

    Retail transfers are free.
    Corporate/Commercial transfers are subject to a fee of $1 which is debited from your account upon initiating the transaction.

  • How does this differ from a wire transfer?

    This feature can be completed via Internet Banking or Mobile Banking whereas wire transfers are completed at the Branch.

  • How soon after completing the transaction will my account be debited?

    For transactions done before 12 noon, the funds will be debited from your account immediately. For transactions done after 12 noon, the funds will be debited from your account on the next business day.

  • How soon can the recipient access funds from the transfer?

    Transactions done before 12 noon will be credited to the recipient on the same business day. Transactions done after 12 noon will be credited to the recipient on the next business day. In the case of weekends and public holidays, the transaction will be credited to the recipient on the next business day.

  • Where can I view a transaction that I conducted before 12 noon?

    Simply log in to RepublicOnline > Select “Transactions” > “View Transactions” > “Online/Mobile Transactions” then choose “Pending Transactions” from the drop-down box. If the transaction was processed and funds sent to the recipient’s account, the transaction can be found in “Last 10 Transactions” or “Transaction History” tabs.

  • Where can I view a transaction that I conducted after 12 noon?

    Simply log in to RepublicOnline > Select “Transactions” > “View Transactions” > “Online/Mobile Transactions” then choose “Scheduled Transactions” from the drop-down box.

  • Can I reverse a payment that has already been processed? For example, if I send a payment to an incorrect account or if it is no longer necessary.

    Once the payment is processed, it cannot be reversed. Should you wish to report this transaction as an error, you can contact us at 623-4RBL (4725) and one of our service representatives will be happy to assist.

  • Can I cancel a pending interbank transfer?

    Transfers that have been completed and listed as pending cannot be cancelled. Should you wish to report this transaction as an error, you can contact us at 623-4RBL (4725) and one of our service representatives will be happy to assist.

  • How do I request money from someone?

    At this time, it is not possible to request money from someone via this feature.

  • How do I set up a future-dated or a recurring other bank transfer?

    Simply log in to RepublicOnline > Select “Transactions” > “Funds Transfer” > “Select Third Party Account(s) – Other Bank” > Enter all mandatory information and ensure that the Recurring Date, Frequency Type, Frequency and Number of Installments are included.

  • How do I edit or stop recurring payments?

    Simply log in to RepublicOnline > Select “Transactions” > “View Transactions” > “Recurring Transactions” > Enter search criteria details > Select the transfer to be edited or stopped. A confirmation message will be displayed when the action is completed.

  • If my account has been debited but the recipient has not been credited, who can I contact?

    You can contact our 24/7 Customer Service Centre at 623-4RBL (4725).

  • What do I do if I accidentally transfer money to an incorrect account?

    It is important that you obtain the accurate account details for your recipient. Users shall be solely responsible for the accuracy of information provided for the purposes of availing of the facility. Please contact our 24/7 Customer Service Centre at 623-4RBL (4725) for further assistance.

  • What happens if I transfer money to an invalid* or closed account?

    The transfer will be rejected by the recipient bank and the funds returned to your account within three (3) business days. Please contact our 24/7 Customer Service Centre at 623-4RBL (4725) for further assistance.
    *Invalid accounts are account numbers that do not exist at the recipient bank. Please note, if the incorrect account number is entered and it is an existing/valid account, the funds will be sent to that incorrect account number.

  • What is a RepublicAlert?

    A RepublicAlert is a notification you will receive, via email, every time you use your Republic Bank OneCard, Credit Card or VTM Card at an ABM, Point of Sale terminal or for an online transaction, above a specified amount

  • How do I sign up for RepublicAlerts?

    To access RepublicAlerts, you must be registered for RepublicOnline. You can sign up for RepublicOnline here. If you are already a RepublicOnline user, log-in to your online account here, and follow the steps outlined below: Log in to RepublicOnline > click My profile > click View and Update Alert Subscriptions > select desired Alert > click Subscribe

  • What amounts can I choose to receive alerts for?

    The amount that you wish to receive RepublicAlerts for can be set at the following values:

    • All Payments
    • Payments exceeding: $100, $500, $1,000, $2,000, $5,000 and $10,000
  • How will I receive these alerts?

    RepublicAlerts are sent via email, to the email address used when registering for the RepublicOnline service.

  • How much does this service cost?

    RepublicAlerts are free to all customers registered for RepublicOnline.

  • What do I do if I see a transaction alert that I’m not sure about?

    In the event you receive an alert which you are unsure of, please verify the transactions done on your account using RepublicOnline or the RepublicMobile App. If the transaction is deemed to be suspicious, please contact us at 623-4RBL (4725).

  • Who can I call if I see a transaction that I did not do?

    If you receive any alert that is deemed to be suspicious, please contact us at 623-4RBL (4725) immediately.

  • How do I change the email address that receives these alerts?

    The email address you used to register for RepublicOnline will be the same email address that will receive the alerts. To change this email address, please follow the steps outlined below: Log in toRepublicOnline > click My profile > click View and Update Personal Details > click Change Contact Details > amend the email address accordingly > click Change Contact Details > click Submit .

  • If I change the amount for RepublicAlerts on my account, how soon does it take effect?

    Changes to the amount will be applied immediately after the adjustment is made via RepublicOnline.

  • Can I choose which account(s) I receive alerts for?

    Alerts will be received for all cards and accounts currently held with the Bank.

  • Who receives the alerts for joint accounts?

    Only customers registered for RepublicOnline will receive the RepublicAlert for joint accounts. If all parties on the account are registered, all parties will receive the alert.

  • Which transactions will I receive alerts for?

    You will receive RepublicAlerts when you use your Republic Bank OneCard, Credit Card or VTM Card for any ABM, Point of Sale or online transaction.

  • How do I change the limits set for my accounts?

    To change the alert amount, you can log in to RepublicOnline here and follow the steps outlined below: Log in to RepublicOnline > click My profile > click View and Update Alert Subscriptions > select desired Alert > click Subscribe.

  • How can I cancel my alerts subscription?

    If you wish to stop receiving RepublicAlerts, you can log in to RepublicOnline here and follow the steps outlined below: Log in to RepublicOnline > click My profile > click View and Update Alert Subscriptions > select desired Alert > click Unsubscribe.

  • If I do a Cardless Cash transaction, will I receive an alert?

    A Cardless Cash transaction will not prompt a RepublicAlert. However, you will receive the usual email notification when a Cardless Cash transaction is done. i.e.: an email for: the Transaction ID, the Cash Code and the status update of the transaction (completed, expired, cancelled, etc.)

  • How do I activate the Republic ID-Secure Card?

    To activate your Republic ID - Secure Card, you must complete the following steps:

    • Log on to RepublicOnline
    • Select “Additional Services”
    • Select “New Requests”
    • Select “Activate Republic ID-Secure Card”
    • Enter your Republic ID-Secure Card serial number, located to the back of the card
    • Click the Submit button.
    • Authorize the request by entering your User ID and Transaction password
  • When would I need to use the Republic ID-Secure Card?

    Once activated, you will be required to use your Republic ID-Secure Card each time you login to the RepublicOnline system; therefore you must have the card present each time.

  • Is there a cost for the Republic ID-Secure Card?

    Currently, your Republic ID - Secure Card is available to you free of charge, including replacement cards.

  • If I am travelling, and I forget my Republic ID-Secure Card at home, what can I do to access RepublicOnline?

    Once activated, you will be required to use your Republic ID-Secure card to log-in to the system as it now becomes part of the security features for conducting transactions online. Therefore, we recommend that you ensure that you carry your Republic ID Secure card when you travel so that you can access your accounts.

  • If I already applied for and received a Republic ID-Secure card prior to April 2015 but never activated same, will I receive another card?

    A Republic Bank Representative will contact you to confirm that you have the card in your possession and it has not been lost or stolen, Once confirmed you will be requested to activate same via the “Activate your ID-Secure card” link.
    Should you be unable to locate the card another one will be mailed to you and you will be advised.

  • If my address has changed recently, how can I go about getting my Republic ID-Secure Card?

    You will be required to advise us of the change of address immediately, either by submitting a signed letter to any Republic Bank branch or by emailing or faxing a copy of same to our Internet Banking Support Department at Email: internetbanking@rfhl.com Fax: 672-1110.

  • I got the email advising me to expect the Republic ID-Secure Card but it was not received, what should I do?

    You should immediately contact our Customer Support Department at 623-4RBL (4725) or email: internetbanking@rfhl.com.

  • What should I do if the envelope with my Republic Bank ID–Secure card was tampered with?

    If the envelope has been tampered with, you should immediately contact our Customer Support Department at 623-4RBL (4725) or email internetbanking@rfhl.com.

  • What should I do if I my Republic ID-Secure Card is lost or stolen?

    If your Republic ID-Secure card is lost or stolen, you should immediately contact our Customer Support at 623-4RBL (4725). One of our representatives will take the relevant information in order to have a new card issued and delivered to you via any one of our Republic Bank branches.

  • If my Republic ID-Secure Card is stolen, can someone access my account?

    Your Republic ID- Secure Card is one of the security features for conducting transactions online, A perpetrator will also require your user name and password to access your account therefore under NO circumstance should you reveal your password(s) to anyone or any organization including Republic Bank employees.

  • Can I still access RepublicOnline from my tablet using my Republic ID Secure card?

    Yes, tablets can be used to access RepublicOnline with the activated Republic ID-Secure card.

  • What should I do if I enter the values incorrectly and get locked out of the ID-Secure log-in / challenge?

    In the event that you get locked out of RepublicOnline, you can contact our Call Centre at 623-4RBL (4725) or email: internetbanking@rfhl.com.

  • How many log-in attempts/challenges do I have with my Republic ID-Secure card?

    You have a maximum of 2,500 login attempts/challenges with your Republic ID-Secure card.

  • Is RepublicOnline secure?

    At Republic Bank, we are committed to providing you with a secure and protected environment and have implemented hardware and software that is equipped with the most advanced security features available to the industry.

  • Who can access my account information over the Internet?

    You are the only one who can access your account information over the Internet as you are required to enter your Username and Password to access the system. The Password will consist of alphanumeric characters. Bank staff will not have access to users Passwords. Under NO circumstances should you reveal your Password(s) to anyone or any organization including Republic Bank employees. If you believe your password has been compromised, should change it immediately

  • Can recipients see my account details?

    Your account information does not leave the Bank and it is not required by the other bank to process your transfer request.

  • Is this feature safe and secure?

    Republic Bank uses secure data transmission protocols that encrypt/protect your data from the time you begin your transaction to when it is delivered to the other bank. This process is automated, so no one manually handles your transaction.

  • How can I protect myself against malicious attacks/attempts of fraud?

    Should you receive any suspicious requests to transfer funds or emails/text messages requesting your personal information, please follow the security tips located in the links below:
    https://www.republictt.com/about/security-centre
    https://www.republictt.com/about/how-we-protect-you
    Should you happened to fall victim to any of the above circumstances, please feel free to contact us at 623-4RBL (4725).

  • What do I need to know to select my Passwords?

    When you register for RepublicOnline, you will be required to set a login Password and transaction Password. Your Passwords must be easy for you to remember, but difficult for someone to guess. The Password:

    • Should contain a minimum of 8 characters and a maximum of 28 characters
    • Must not consist of all the characters as are in your Username. For example, if your Username is "Bob", then your Password cannot be "Bobby"
    • Must not have spaces
    • Must not be the same as any of your previous twelve (12) Passwords.
  • Can I change my Password?

    You can change your Password at any time after you log on to RepublicOnline.

    • Passwords are required to be changed every ninety days (90).
    • You can set up an alert (SMS or e-mail) to remind you to change your password.
  • What should I do if I forget my Username and Password?

    If you forget your Username, this can be located on the SMS and Email alert sent when you were enabled.

    If you forget your Passwords, please click on the "Forgot Your Password" link on the login page and complete the online form.

    If you have any questions please contact our 24/7 Call Centre at 623-4RBL (623-4725).

  • Will the information gathered by Republic Bank through my use of RepublicOnline be kept confidential?

    In keeping with the Bank’s policy on customer confidentiality, all customer information submitted to us through the Internet will be maintained with the strictest confidence. Republic Bank will not disclose any customer information unless specifically authorized in writing by you to do so, or where disclosure is required or permitted by law.

  • What should I do if I receive an e-mail asking me to confirm my personal information?

    Republic Bank will never present you with unexpected websites or send you unsolicited e-mails asking for your Password, Personal Identification Number (PIN), credit card, account numbers or any other confidential information.

    You should report any suspicious requests to Republic Bank immediately at 623-4RBL (623-4725).

    Do not respond to unsolicited e-mails, SMS or websites that request personal information.

  • Is there a way to preview RepublicOnline before signing up for it?

    Yes, you can preview the facility by selecting the personal button, followed by Demonstrations located on the RepublicOnline home page. A list of the most popular transactions and activities done on Republic Online will then appear with short tutorial videos.

  • What type of transactions can I perform using RepublicOnline?

    View your:

    • Account balances
    • Transaction history
    • Statements
    • Accounts at a glance

    Transactions:

    • Transfers between Republic Bank accounts using the Republic ID Secure feature
    • Payment to your credit card and VTM cards from your Republic Bank Account
    • Payment of utility bills from your Republic Bank Account

    Additional services include:

    • Automated alerts - email and SMS, e.g. you could choose to be notified before your Password expires or, of changes to your personal profile.
    • Applications for credit cards, loans, credit limit increases and savings/chequing accounts
    • 24/7 Call Centre
    • Addition/Deletion of accounts registered on RepublicOnline.
  • What bills can I currently pay via RepublicOnline?

    You can pay:

    • TSTT (Residential, Cellular, Internet)
    • T&TEC
    • WASA
    • Digicel
    • Cariblink
    • Interserv
    • Agostini Insurance Brokers Ltd
    • COURTS
  • What types of accounts can I use to pay my bills?

    You can use any Republic Bank deposit account that is registered on RepublicOnline to pay your bills, once the account is not restricted by its terms and conditions of use.

  • Can I open a deposit or loan account via this service?

    You can apply for a deposit, loan, credit card or investment account via our Online Application forms. However, you will be required to visit a branch of your choice to complete the process.

  • What types of credit card transactions can I perform on RepublicOnline?

    You can conduct balance enquiries, view your statements and pay up to the outstanding balances on your credit cards – both TT$ & US$ as applicable. - You can also view real-time transactions that have been done but not yet posted to your account.

  • Are there any limits to the number and value of transactions that I can perform?

    There are no limits to the number of transactions you can perform on RepublicOnline, subject to any restrictions that may be applicable in the Terms and Conditions for the relevant account.

    You may make cumulative account transfers of up to TT$50,000 per day and bill payments of up to TT$50,000 per day on RepublicOnline.

    Please note: you can only pay up to the outstanding balance on your credit card. The daily limit that you can pay on your credit card is TT$60,000 or US equivalent. The maximum available amount allowed on a VTM Card is US$5,000.00.

  • How long will it take to process a bill payment made via RepublicOnline?

    First you must register each payee by selecting “Payments, Register Payee” and following the simple instructions. The funds will be debited from your account at the time you submit your request for processing. You should however make your payment at least three (3) working days before the actual payment due date to ensure timely credit by the utility/service company.

  • How can I be sure that the bill payment company receives payment?

    The system will generate a receipt with a reference number to confirm that the Bank has accepted your bill payment request. Payments are forwarded electronically to the payees on an ongoing basis for processing.

  • How long will it take to process a credit card payment made via RepublicOnline?

    Credit Card payments are immediately reflected on your credit card(s). However, if your credit card status is "overlimit" or "past due", your funds will only be available from the next business day.

  • How long will it take to process a funds transfer made via RepublicMobileSMS Banking? How long will it take to process a funds transfer?

    Self linked transfers made before 8 p.m. Monday through Friday will be reflected immediately. Transfers made over the weekend or on a public holiday will be reflected on accounts two (2) working days thereafter.

    Third party transfers made before 8 p.m. Monday through Friday will be reflected immediately; however these funds will be accessible via the ABM and Point of Sale terminals on the following day. Transfers made over the weekend or on a public holiday will be available for use two (2) working days thereafter.

  • Whom should I contact if I have additional questions?

    We have a team of trained helpful staff available 24 hours, 7 days a week to handle your calls at 623-4RBL (623-4725).

    All matters related to registration, Passwords, Security and Internet Banking Services can be referred to the Call Centre or to your Banking Branch. All enquires related to transactions on your accounts should continue to be directed to your Banking Branch.

  • What are the Call Centre hours of operation? And what should be restricted to the Call Centre?

    We have a team of trained helpful staff available 24 hours, 7 days a week to handle your calls at 623-4RBL (623-4725).

    All matters related to registration, Passwords, Security and Internet Banking Services can be referred to the Call Centre or to your Banking Branch. All enquires related to transactions on your accounts should continue to be directed to your Banking Branch.


The supply of this service is in conformity with the provisions of the Code of Banking Practice. Information on current interest rates, fees and charges applicable to this and any other services is available on request at any branch of the Bank. Email: internetbanking@rfhl.com Website:republictt.com