RepublicMobile APP Frequently Asked Questions

  • What is the RepublicMobile App?

    This is an app that allows you to view your account information, conduct personal and third party transactions, make payments and more, from multiple devices.

  • Who can use the RepublicMobile App?

    Any customer registered for RepublicOnline (Personal) can use the RepublicMobile App. Simply download the app from either the Google Play Store or App Store, depending on the device you are using, enter the requested details and you’re on your way!

  • How can I apply for RepublicOnline

    Simply visit republictt.com, click the 'Online Banking' button and sign up for RepublicOnline or click here. Once successfully registered, you can download the RepublicMobile App from the Google Play Store or the App Store and begin the activation process.

  • 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 would I need to access the RepublicMobile App?

    To access the RepublicMobile App, you will need a RepublicOnline User ID, smartphone or tablet with an internet connection.

  • On what device(s) can the RepublicMobile App be used?

    • Any Android phone with an operating system (OS) version of 4.0 and up
    • Any Android tablet with an OS version of 3.0 and up
    • Any iOS device with an OS version of 6.0 and up (iPhone and iPad)
    • Any Blackberry phone with an OS version of 10.1 and up
  • Is there a way to preview the RepublicMobile App before downloading it?

    After locating the RepublicMobile App in the Google Play Store, App Store or Blackberry App World, you can review some of the features and benefits before downloading the RepublicMobile App to your device. Also, interactive demos are available on republictt.com for additional information.

  • Is there a cost to download the app?

    There is no cost for downloading the app.

  • Is there a cost to use this service?

    This service is free of charge. However, as part of the activation process, an SMS Code will be sent to the mobile number registered on RepublicOnline as a text message, which will incur the regular SMS message fee charged by your service provider. Carrier fees are also applicable if you access the service using a data plan from your mobile service provider.

  • Once I've downloaded the RepublicMobile App, how can I activate it?

    • Open the app, select your language preference, then click the 'I Accept' button after reading the Terms and Conditions
    • Click the “New User” link and enter your RepublicOnline user ID
    • Enter your Republic ID-Secure card values in the grid box. An SMS Code will be generated and sent to your registered mobile number, i.e. the mobile number registered on your RepublicOnline Profile
    • Set your MPIN (Mobile Personal Identification Number). Please memorise this MPIN as this will be required for all future logins
    • Your activation is now complete and you can login to the RepublicMobile App.
  • If I haven’t received the SMS Code during the activation process, what can I do?

    The SMS Code should be delivered to the registered mobile number on RepublicOnline. If you have not received the SMS Code within 15 minutes, please repeat the activation process. If you still haven’t received the SMS Code after repeating the activation process, please contact our Call Centre at 623-4RBL (4725) or email us at internetbanking@rfhl.com.

  • Why am I not getting the SMS Code?

    This can happen for many different reasons:

    • If you changed your registered mobile number since signing up for RepublicOnline. Please, ensure that your registered mobile number on RepublicOnline is up-to-date.
    • If you have not subscribed for SMS alerts on RepublicOnline. For ease of reference, view the demo on registering for alert subscriptions here.
    • For Digicel customers, if you haven't subscribed to Digicel's premium SMS service, the text will not be delivered. Please call Digicel's Customer Care at '100' to activate this service.
    • If you don't have enough credit on your mobile account. While the RepublicMobile App is a free service offered by Republic Bank Limited, there is a text message charge payable to your mobile service provider for messages that are sent and received. This charge is approximately TT$0.55 + Vat per text message for both Telecom providers.
  • What transactions can I do using the RepublicMobile App?

    With the RepublicMobile App, you can conduct:

    • Transfers between personal accounts
    • Transfers to third party accounts
    • Payments to personal Credit Cards
    • Payments to third party Credit Cards
    • Loading personal Visa TravelMoney (VTM) cards
    • Loading third party VTM cards
    • Bill Payments (only to payees registered via RepublicOnline)
  • If I transfer funds, pay bills and credit cards or load VTM cards using the RepublicMobile App; would I be charged for these transactions?

    Transfers from a Savings/Chequing account to pay bills or credit card accounts, will not incur any charges.

    Transfers from a Savings/Chequing account to load a VTM card account will incur the usual VTM loading charge of 1.15% of the amount loaded.

    Bill payments using a VTM card/credit card will not incur any charges.

    Transfers from a credit card account to a Savings/Chequing account or loading a VTM card account will be viewed as a cash advance and will in turn, be charged the respective cash advance fee. In the case of loading a VTM card account, the usual 1.15% of the amount loaded will also apply.

  • Would I still have instant access to funds when transfers are done using the RepublicMobile App?

    Yes. You would have instant access to funds when transfers are done using the RepublicMobile App.

  • Are there any limits to the number and value of transactions conducted using the RepublicMobile App?

    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. Payments or transfers to third party accounts are limited to TT$50,000.

  • Would all new third party accounts/cards need to be registered on RepublicOnline to access them as payees on the RepublicMobile App?

    Yes. All new third party accounts/cards must be registered on RepublicOnline in order to access them as payees on the RepublicMobile App.

  • What bills can I pay using the RepublicMobile App?

    Only bills that have been registered using RepublicOnline can be paid via the RepublicMobile App. These include:

    • Agostini Insurance Brokers Ltd
    • ALTA
    • Amplia
    • AV Knowles & co. Ltd
    • Cariblink
    • Colfire
    • COURTS
    • Digicel
    • Digicel Play
    • Interserv
    • National Insurance Board
    • Republic Bank Disaster Relief Fund
    • Republic Bank Make a Difference Fund for Sick Children
    • T&TEC
    • TECU Credit Union Co-op Society Ltd
    • TSTT (Residential, Cellular, Internet)
    • UWI
    • WASA
  • If my RepublicMobile App shuts down unexpectedly during a transaction as in the case of my battery dying, would the transaction still be processed?

    If the request has successfully reached the Bank prior to the app/phone shutting down, the transaction will be processed. If you are unsure, simply check the transaction history using RepublicOnline or the RepublicMobile App at your earliest convenience. If you have any questions, please contact our 24/7 Call Centre at 623-4RBL (4725) or email us at internetbanking@rfhl.com

  • If I forget my MPIN, what can I do?

    You can reset your MPIN by using the ‘Forgot MPIN’ link on the login page and follow the instructions outlined.

  • What will happen if I enter the incorrect MPIN multiple times?

    For security purposes, your access to the RepublicMobile App will be stopped after three (3) unsuccessful attempts at inputting the MPIN. If locked out, you will need to repeat the activation process to generate a new MPIN. (Please navigate to the 'New User' tab on the login page to repeat the activation process).

  • Is there an expiry date for my MPIN?

    There is no expiry date linked to your MPIN.

  • Can I change my MPIN if I think that it has been compromised?

    Yes. You can change your MPIN at any time by clicking the ‘More’ button on the dashboard, then click the ‘Change MPIN’ tab.

  • What should I do if my mobile device is lost or stolen?

    Please contact our 24/7 Call Centre immediately at 623-4RBL (4725) or email us at: internetbanking@rfhl.com and inform the representative that the device has been lost or stolen in order to have the service deactivated.

  • If someone steals my phone, can they access my account information/conduct transactions?

    Your account and other information will remain secure due to the following reasons:

    • An MPIN is required for each login
    • Third party transactions will also require the use of your RepublicOnline password
    • The addition of payees can only be performed using RepublicOnline

    In addition, the RepublicMobile App will automatically log you out after five (5) minutes of inactivity, further reducing the possibility of any malicious/unauthorised transactions.

  • Can I remotely deactivate a registered device?

    Yes. You can use any registered device to deactivate another registered device. Simply go to the ‘More’ tab, then ‘Manage Activated Devices’.

  • If my Republic ID-Secure card has been damaged, stolen or misplaced. What should I do?

    Your Republic ID-Secure card is required for the initial activation of the RepublicMobile App and would also be required for any subsequent activations i.e. if you are locked out due to three (3) unsuccessful attempts at inputting the MPIN or when registering a new device. Should your card be damaged, stolen or misplaced, please contact our Call Centre at: 623-4RBL (4725) or email us at: internetbanking@rfhl.com

  • 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).

  • How long does it take to add/remove an account using the RepublicMobile App?

    The request to add/remove accounts will be processed within two (2) business days.

  • Would I have to enter my Republic ID-Secure Card information every time I login to the RepublicMobile App?

    No. This is only required during the user activation (via the ‘New User’ tab) or ‘Forgot MPIN’ processes.

  • How long do I have to wait before my requested manager’s cheque is ready?

    The request will be processed within two (2) business days. An email alert will be sent to your registered email address on RepublicOnline when the request is completed.

  • Will the information gathered by Republic Bank Limited through my use of the RepublicMobile App 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 authorised in writing by you to do so, or where disclosure is required or permitted by law.

  • Whom should I contact if I have any additional questions?

    You can contact us at 623-4RBL (4725) or email us at internetbanking@rfhl.com, 24 hours a day, 7 days a week and our team of trained and helpful staff will be more than willing to assist.


All matters related to registration, passwords, security and mobile banking services can be referred to the Call Centre or to your banking branch. All enquires related to transactions on your accounts should be directed to your banking branch.