FREQUENTLY ASKED QUESTIONS


Questions

At the ATM

At a POS Terminal

Paying with your Bank/LINX® debit card via LINX®


At the ATM

My account was debited but I did not receive cash at the ATM. What should I do?

Visit or Call your bank and make a report on the incident. It is advised to take note of the time, location, ATM Bank and carry your receipt with you.

While using the ATM, my cash was retracted / taken back?

Cash is retracted after being dispensed and left unattended for a number seconds. In the event this occurs; please visit or call your banking, taking note of the time, location and ATM Bank.

The ATM took my card? What should I do?

Please note the time, location and ATM Bank along and contact your bank immediately or visit the nearest branch location.

I attempted to withdraw $100 at the ATM but received $20 OR I attempted to withdraw $20 at the ATM and received $100.

In any situation where you receive more or less cash that you attempted to withdraw, please note the time, location and ATM Bank along and contact your bank or visit the nearest branch location.

At a POS Terminal

In conducting a transaction at a merchant / store, my account was debited twice. What should I do?

Visit or Call your banking and make a report. It is advised to take note of the time, location, ATM Bank and carry your receipt with you.

I was told that I cannot use my LINX card to pay for goods under $10, $20, $30 …………

There is no minimum amount for using your LINX® debit card.

Paying with your Bank/LINX® debit card via LINX®

When I pay with my LINX® debit card will the merchant know my balance?

NO! The Bank electronically approves or declines the transaction. No information about your account is transmitted from the Bank, and the merchant cannot inquire on your account at any time. All the merchant will know is whether the Bank approved or declined the transaction. Your PRIVACY is maintained at all times.

Isn’t paying with my LINX debit card a complicated process?

NO! All you have to do is three simple things.
  1. Confirm that the dollar ($) amount of the transaction is correct.
  2. Select your chequing or savings account.
  3. And enter your PIN (Secret Code)!
Also, ensure that you receive your receipt for verification. It’s as easy as 1, 2, 3! And it only takes a few seconds.

But isn’t paying with an LINX debit card expensive?

NO! Paying with your LINX® debit card is one of the cheapest payment methods available today! It will cost you less than $1 and on some accounts it may cost even less?? Your charge is set by your Bank and you will need to check with them for what fee your will pay on your account.

OK, but what’s to keep a merchant from accessing my account after I’ve left their store?

Your account can only be accessed by someone who has both your LINX® debit card and your PIN. That’s why it is very important that you enter your PIN yourself and NEVER disclose your PIN to anyone. It is because of your PIN that paying with your LINX debit card is the safest method of paying for goods and services in T&T today!

Where can I use my LINX debit card to pay for goods & services?

Anywhere you see the familiar LINX® Logo. In fact, there are over 1500 Merchants throughout T&T that accept payment via LINX®.

Where can I withdraw cash using my LINX debit card?

At any ATM belonging to RBC Royal Bank, First Citizens, Republic Bank Limited, Scotiobank of Trinidad and Tobago, Eastern Credit Union, Bank of Baroda and Intercommercial Bank Limited, displaying the LINX® logo.

What can I use my LINX debit card to pay for?

You can use your LINX® debit card not only to withdraw cash at the ATM but to purchase groceries, fast food and fine dining, clothes, hardware items, jewelry, gas and any item that is sold by a merchant that accepts LINX®.

Really! Is there anything that I cannot pay for with my LINX debit card?

Well, you can’t pay for taxi rides, although very soon you’ll be able to pay for PTSC Bus tickets. Right now, paying with your LINX debit card means that the person that you are paying must have a telephone-line so that they can connect to the LINX® Network. But we are working on providing Cellular Terminals so that pretty soon anyone will be able to accept payments from you via your LINX debit card. Once again LINX® is making it as easy as 1, 2, 3.

How will I know that the money coming out of my account is going to the merchant and not somewhere else?

On your account statement (or passbook) the LINX® payments which you made will show you exactly who the payment went to, on which day and how much money were actually paid. This is why it is important that you keep your receipt to match with your statement.