What is an Ezycash Card?
Ezycash Card is a "stored value" card. This simply means that you store money and access it by using your Ezycash Card worldwide at a bank, ATM machine, or by using it like a bank debit card to make purchases.

What are some of the ways to use the Ezycash Card?
All Ezycash Cards function in the same way, but they can be used for different purposes. Your employer can use an Ezycash card as a more convenient and less costly way to pay you. You can send an Ezycash Card to someone as a gift, and you can use an Ezycash Card to transfer money to relatives overseas. Insurance companies can use Ezycash Card to pay claims. In short, the possible uses are virtually endless.

Who can apply for an Ezycash Card?
Anyone can apply regardless of nationality, country of residence (except blacklisted countries), credit history or status.

Do I need a good credit record to get a Ezycash Card?
No. Since you cannot spend more money than you have added to the Ezycash Card, the card issuer does not assume any risk. Therefore they are not concerned with your credit rating.

There is one exception: companies that make small loans may use an Ezycash Card as a more secure and convenient way to provide you with cash. In this case a credit check may be required, but it is a credit check for the loan, not the Ezycash Card.

How secure is my money with Ezycash Card?
Extremely secure. An Ezycash card is more secure than a bank card. Like a bank card, nobody can get at your cash without your Personal Identification Number (PIN). Unlike a bank or credit card, the maximum risk that you face is the amount of money stored on the card. With a normal bank card, someone who steals both your card and PIN may be able to clean out your entire bank account.

When it comes to the question of security, the term "stored value" may be a little misleading. The money is not actually stored on the card. It is stored on our secure computers and can only be accessed if you provide your PIN when you use your Ezycash Card at an ATM.

Your PIN is not stored anywhere on your Ezycash Card, not even on the magnetic stripe. The information on the stripe merely identifies you so that our systems can compare the PIN that you enter to the one that is stored in our secure computers. That way, a thief who steals your Ezycash Card cannot learn your PIN even with a magnetic card reader.

Because your PIN is so critical to the security of your card, it is important that you protect it. Be sure that nobody is looking over your shoulder when you enter your PIN. Even if you aren't aware of anyone watching you, it is still a good idea to shield the keys of the ATM with your other hand when you enter your PIN.

How is an Ezycash Card better than cash?
There are lots of ways that Ezycash Card beats cash. Here are just three:

1. Ezycash Cards are more secure than cash. If cash is lost or stolen it is usually gone for ever. If your Ezycash Card is lost or stolen, it can be replaced. No one can get at your money unless they also have your PIN. We recommend that you do not write down your PIN or, if you do write it down, never keep it in the same place as your card.

2. An Ezycash Card is a global money and debit card. When you use cash, you usually have to exchange your money for local currency when you travel out of the country, which can be a costly and time-consuming inconvenience. With an Ezycash Card, you can use your card at any worldwide ATM. All cash withdrawals are automatically in the local currency.

3. You can safely send an Ezycash Card in the mail. In the past, if you wanted to send money to friends or relatives across the country or overseas the only alternative was expensive wire services. Now, you can easily send an Ezycash Card to them in the mail. It is secure because no one can access the cash on the Ezycash Card unless they also have the PIN.

Never send a card and its PIN at the same time.

Is Ezycash Card better than using a cheque?
Yes. Here's why:

1. Cash stored on an Ezycash Card is available immediately. For example, if you send a cheque as a gift to a relative, the recipient's bank usually puts the money on hold for at least a few days, and often a few weeks, until the cheque clears. The wait can be even longer when sending money overseas. With an Ezycash Card, you can tell the recipient the PIN over the phone, and when the Ezycash Card arrives, the recipient can use it immediately at an ATM.

2. Ezycash Cards can be refilled quickly and easily. When you use a cheque to send gifts or transfer money, the recipient has to wait for the cheque to arrive and the bank to clear it. With an Ezycash Card you just add more cash to the same card. The recipient then has immediate access to the cash. After the Ezycash Card arrives they will never have to wait again.

How is an Ezycash Card better than using a bank card?
1. Ezycash Card can be used to send gifts or transfer money. Since an ordinary bank card and PIN gives the holder access to your full bank account, they are not a good way to send a gift or transfer money to others. An Ezycash Card gives a recipient access only to as much money as you add to the card, not your whole bank account.

2. Ezycash Cards are more secure. Because an Ezycash Card is not tied to your bank account, the most that a thief can steal is the money that remains on your Ezycash Card. With a bank card, they may be able to drain your entire account.

Where can I get an Ezycash Card?
You can obtain an Ezycash Card at www.ezycashcards.com or by contacting your Accredited Corporate Member.

How many cards may I register under my name?
You can have two (2) Ezycash Cards per person activated under the same name.

Can I use my Ezycash Card like a credit card before I add money to the card?
No. An Ezycash Card is what is known as a "stored value" card. This means that you must first add money to the Ezycash Card and then spend or withdraw that money from it. You cannot use the Ezycash Card to spend more than the amount of money that is stored on it.

How do I add money to my Ezycash Card?
You can transfer money to your Ezycash Card over the internet or at your bank.

Is my money protected if my Ezycash Card is lost or stolen?
Absolutely. Nobody can get at your money without your PIN. If your Ezycash Card is lost or stolen, it can be replaced once we verify that you are the authorised cardholder.

If I give an Ezycash Card as a gift, can the recipient replace it if it is lost or stolen?
Yes. The cardholder is a known account holder because the Ezycash Card is in their name. Cardholders can simply contact Ezycash Card directly and we'll replace the card as soon as possible.

What happens if I forget my Personal Identification Number (PIN)?
If you have forgotten or lost your PIN number you must replace your Ezycash Card. You cannot get a new PIN or reset an old PIN. If you have made three or more attempts at an ATM the system will automatically suspend your Ezycash Card and disable use for 24 hours. You can go back to any ATM after the 24-hour period and try again.

I want to use an Ezycash Card to transfer money to relatives in another country. Can I have a second account, send the Ezycash Card to my relatives and simply transfer from card to card?
Yes. Simply order two individual Ezycash Cards, one card for each person. Then simply make card-to-card transfers.

Is it less expensive to transfer money from card to card than using a traditional wire transfer service?
Yes. Check with the list of transaction fees.

I use an Ezycash Card to transfer money to relatives. When I want to send more money to them, can I add money to the same Ezycash Card or do I have to get a new card?
Yes. You can simply add more money to the same Ezycash Card. They will then have instant access to the cash.

Are there any transaction fees?
Yes. Please visit www.ezycashcards.com to review the fee schedule.

What name will be printed on the Ezycash Card?
There is no individual name printed on it.

Does the Ezycash Card expire?
No. There is no expiration date of the card.

Are there any withdrawal limits?
Ezycash Card features a daily ATM withdrawal limit of US$2,500 and a US$75,000 monthly (Thirty "30" Days) withdrawal limit.

Are there any loading limits?
Ezycash Card features a limit of US$9,500 per card. The daily load limit (US$1,500 for DDA) and a US$30,000 monthly (Thirty "30" Days) Load Limit.

How is the currency exchange rate calculated when the Ezycash Card is used outside of my country?
Foreign banks usually send us withdrawals in their local currency. If that is different than the currency of your account we will apply a competitive exchange rate to convert it to your Ezycash Card's currency.

Can I find out how much money is in my Ezycash Card account?
You can see your Ezycash Card's balance, along with any transactions applied to your card, on the secure Ezycash card web site: www.ezycashcards.com.

How much does it cost to get an Ezycash Card?
Usually there is a fee associated with the Ezycash Card, but depending on the purpose of the card, the issuer may decide to absorb that cost as part of its service. For example, an employer that uses an Ezycash Card to pay its employees may cover the cost of the cards rather than passing the cost along to its employees.

Are there any limits on how much money I can store on my Ezycash Card?
No, but you are limited to how much you can withdraw. These limits are set by each bank or ATM you use.

Is there someone who I can talk to if I am having a problem?
Yes. Please visit www.ezycashcards.com.

Why should I trust Ezycash Card?
The security of your money is of utmost importance at Ezycash Card. We take great care to protect it, and use the highest publicly available level of security on our web site.