Product Overview

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    What is the RCBC MyWallet Visa card?

    The RCBC MyWallet Visa card is a reloadable multi-purpose prepaid stored value card which offers the flexibility of managing your day-to-day financial transactions with the added convenience of access to the worldwide Visa network. With this prepaid stored value card, you spend only what you have loaded in the card, thus, preventing you from overspending!


    You can also use your MyWallet Visa card to settle bills (i.e., Meralco, Globe/ Smart, credit cards, etc.) via cashless payments and may still perform usual transactions like an ATM card does.

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    How do I avail the RCBC MyWallet Visa card?

    Just visit any RCBC Branch nationwide. Simply fill-out the enrollment form, present one (1) valid photo-bearing identification card, pay the Visa card purchase fee of Php150.00 and the initial loading amount of Php120.00, of which the Php100.00 can be withdrawn while the P20 is for the loading fee.

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    How does my RCBC MyWallet Visa card work?

    Because it is a prepaid card, spending is limited to the amount of money you load in the card, thus, preventing you from overspending. Plus, because it carries the Visa logo, you can use it anywhere Visa cards are accepted worldwide. Each time you use your card, the purchase amount is automatically deducted from your MyWallet Visa card balance.

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    Where can I use my RCBC MyWallet Visa card?

    Your MyWallet Visa card is accepted at over 70,000 Visa-accredited merchants and over 18,000 BancNet POS merchants in the Philippines. You can also transact at over 29 million Visa merchants and 1.4 million ATM locations worldwide. If you don't see the logos, just ask "Do you accept Visa or BancNet cards?"

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    What transactions can I perform with the RCBC MyWallet Visa card?

    Through the MyWallet Visa card, you can perform the following transactions:

    • Draw Cash. Via RCBC, RCBC Savings Bank and BancNet ATMs nationwide and through Visa ATMs worldwide. RCBC MyWallet Visa cardholders may likewise draw funds via RCBC Branch upon presentment of acceptable identification card.
    • Inquire on Load Balance. Via RCBC, RCBC Savings Bank and BancNet ATMs nationwide and through Visa ATMs worldwide. RCBC MyWallet Visa cardholders may likewise inquire funds via RCBC Online or Mobile Banking.
    • Pay Bills. Via RCBC Online or Mobile Banking, RCBC, RCBC Savings Bank and other BancNet ATMs.
    • Cash reload from Savings/ Checking account to MyWallet Card.
    • Send money to your loved ones in the province or to any location within the Philippines.

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    Is there an initial load amount required to activate my RCBC MyWallet Visa card?

    Yes. The cardholder is required to load Php120.00 upon purchasing the MyWallet Visa card to activate it. The Php100.00 is readily available for withdrawal while the Php20 is for the loading fee.

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    Is there a required maintaining balance on the MyWallet Visa Card?

    None. The cardholder may exhaust up to the last centavo of the card. However, a cardholder can only load up to Php100,000.00 per month regardless of how many MyWallet card he/she has.

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    Does a MyWallet Visa card earn interest?

    The MyWallet Visa card and the value stored therein is not a deposit account. Thus, it does not earn interest and is not insured with Philippine Deposit Insurance Corporation (PDIC).

Loading and Withdrawal

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    Can my authorized representative withdraw over-the-counter on my behalf?

    No. Only the cardholder can withdraw personally over-the-counter upon presentment of valid ID and the MyWallet Visa card.

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    How do I load up my RCBC MyWallet VISA & Virtual Cards?

    You can load up your MyWallet cards in any of the following channels:

    • LBC branches
      Visit any of the participating LBC branches nationwide and load up your RCBC MyWallet VISA & Virtual Card over-the-counter. To check the list of participating LBC branches, visit www.lbcexpress.com/branch-locator/
    • ECPay merchants
      • via ECPay kiosks in 7-Eleven branches
        • Select E-Money
        • Select RCBC MyWallet Reloading
        • Enter your MyWallet VISA or Virtual Card number and your preferred load amount
        • Get the printed confirmation and proceed to the cashier
        • Pay the load amount & the corresponding loading fee over the counter.
      • via Cliqq app
        • Download the Cliqq app via Google Play or App Store
        • Sign up for an account
        • Select Pay Bills > E-Money > RCBC MyWallet Reloading
        • Enter your MyWallet VISA or Virtual card number, your preferred load amount & mobile number
        • You will get a 7-Connect Barcode containing the details of your transaction. Keep this and present to any 7-Eleven cashier.
        • Pay the load amount & the corresponding loading fee over the counter.
      • via other ECPay merchants
        You may your cards over-the-counter through other partners, such as Tambunting Pawnshops, RD Pawnshops, NCCC-LTS Supermarkets, San Miguel Food Corporation outlets, COOPNET, among others.

        Visit ecpay.com.ph to see the complete list of partners.
    • RCBC & RCBC Savings Bank branches
      Visit the branch nearest you and proceed to the counter to load up your MyWallet card. Please note that there is a P20 loading fee for every transaction regardless of the amount.
    • RCBC Online Banking
      If you have an existing RCBC Savings account, you can load up your MyWallet cards via fund transfer:
      • Log on to rcbconlinebanking.com
      • Select Transfer Funds
      • Select your source account
      • Enter your MyWallet VISA or Virtual Card number and the amount to be transferred
      • Confirm your details and select Submit
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    Is there an additional fee when I load up my RCBC MyWallet VISA or Virtual cards?

    Yes, there is a loading fee, but this varies depending on the channel.
    Please see rates below:

    • via LBC branches: Loading fee is based on the load amount. To see updated rates, visit lbcexpress.com.
    • via ECPay in 7-Eleven branches & via Cliqq app: 2.5% of the load amount will be charged*. Minimum of P500/loading transaction. (For example, if you load up P1,000, there is an additional P25 loading fee).
    • via RCBC & RCBC Savings Bank branches & ECPay partners (except 7-Eleven): P20/transaction, regardless of amount. Minimum of P100/loading transaction.
    • via RCBC Online Banking: FREE via Fund Transfer

    *From now until February 1, 2019, a 2% loading fee will apply for loading transactions done via the Cliqq app on Android devices due to on-going systems upgrade. Regular rates apply starting February 2, 2019.

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    How long before the load amount is credited to my card after loading?

    The load should be credited to your MyWallet account in real-time. Enroll your MyWallet VISA or Virtual card in RCBC Online Banking so you can manage and access your account anytime, anywhere. You may also inquire your balance via any RCBC or RCBC Savings Bank ATM nationwide.

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    How will I be notified if loading was successful?

    • If you load up via LBC branches, you will receive an SMS regarding your successful loading transaction.
    • If you load up via RCBC or RCBC Savings Bank branches, you will receive a confirmation slip as proof of your successful transaction.
    • If you load up via RCBC Online Banking Fund Transfer, you will receive an email confirmation of your successful transaction.
    • If you load up via ECPay partners, you must enroll your MyWallet VISA or Virtual card in RCBC Online Banking so you can check your balance & manage your account anytime, anywhere. You may also inquire your balance via any RCBC or RCBC Savings Bank ATM nationwide.
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    What should I do if loading was successful, but the load amount is not reflected in my account?

    If the load amount is not reflected in your account, please call the RCBC Customer Care hotline at 877-7222.

Making a Purchase

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    How can I do POS purchase with my RCBC MyWallet Visa?

    Simply present your RCBC MyWallet Visa to the merchant as payment of the product or service to be availed. Merchant can either let you sign the transaction slip or ask you to key in your PIN number to complete the transaction. Also, for added security, merchant can also require you to present any valid ID for additional validation.

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    How can I do online purchase with my RCBC MyWallet Visa?

    Ensure that you are transacting with a secure and Visa accredited online merchant. When shopping is complete or checking out, choose Visa as mode of payment. Merchant will request you to fill in required fields for validation such as name, expiry date, security code (3 digit code found at the back of the card), etc to complete the transaction.

    Once transaction is successfully done, you’ll receive an SMS notification for your online purchase. This way, you can detect any potential unauthorized transaction. Should you choose not to receive the transaction alert, please call our Customer Care hotline 877-7222. You may also enable this again by calling our Customer Care.

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    What currency will be displayed / dispensed if I am transacting abroad?

    If you're using MyWallet Visa card abroad for purchases, inquiry or withdrawal, the local currency of the country where the card is used shall be applied. The conversion rate to be used shall be determined by the Visa International.

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    Is there a transaction charge each time I use my MyWallet Visa Card?

    There are no transaction fees for purchases made at any BancNet or Visa accredited merchants. However, a minimum charge will be deducted from your card every time you withdraw from any non-RCBC, BancNet, Megalink, Expressnet or other Visa member bank ATM terminals. In addition, a convenience fee of Php20.00 will be charged every time you load your MyWallet Visa card regardless of the amount.

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    What should I do if my MyWallet Visa card is declined?

    If a transaction is declined, the merchant will let you know. To avoid inconvenience, please keep track of your load balance by inquiring through the various channels mentioned above

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    How long can I use my MyWallet Visa card?

    You can make purchases using your MyWallet Visa card until the expiration date indicated on the face of the card. Once the card is expired, the account shall automatically be closed. Any remaining amount as of the expiration date can be claimed or transferred to a new MyWallet Visa card by visiting your branch of account.

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    What if my card gets captured at an ATM machine abroad? What should I do?

    Captured Card Policy for internationally issued Prepaid Card is to cut/destroy the card and it should no longer be returned to the issuing bank. Hence, if your MyWallet Visa card gets captured abroad, replacement card should be requested immediately.

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    When is a MyWallet Visa card considered as inactive?

    The MyWallet Visa card shall be considered inactive if there is no financial activity after twelve (12) consecutive months from its activation or the last transaction date. Inactive card is subject to a monthly maintenance fee of Php200.00 starting on the 13th month inactivity. But, if no amount can be deducted from the MyWallet Visa card, cardholder must pay over-the-counter to continue usage of the card.

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    What is the number to call in case of problems / complaints?

    Any complaint / problem encountered can be reported to RCBC Customer Contact Center at 877-7222, Domestic Toll-free 1-800-10000-7222 and International Toll-Free IAC+800-8888-7222.

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