Experience enhanced security for your ATM and POS transactions.
Use your card
worldwide anywhere you see the Mastercard® logo.
Save even more time with the convenience of Tap and Go technology.
Receive discounts reserved for BPWCCUL members when you show your card at select businesses.
*View Cardholder Agreement*
Your BPWCCUL Mastercard® Debit Card will arrive via postal mail to the primary address attached to your account, so make sure that your information with us is up-to-date.
Members for who we have up-to-date information will begin to receive their cards in the mail from June 2021.
Members who have not recently updated their account information will have to do so before their card can be sent to them via postal mail.
Also, if your account has a Co-Optima card attached to it but you haven’t used the card within the last two (2) years, you are then required to request the card from us.
No. If you would like to receive a card you will be required to request one.
Cards were generated for all accounts that currently have Co-Optima cards attached to them. If you recently updated your account information, a BPWCCUL Mastercard Debit will be mailed to you.
You may contact our Contact Centre at 622-9000 for further details.
No. Members must be at least 18 years old in order to be eligible to receive a card. You may call our Contact Centre at 622-9000 for further details.
A Chip & PIN card is a debit or credit card that contains a computer data chip (usually found on the front of the card) that requires a four-digit personal identification number (PIN) for the cardholders to successfully make purchases and ATM transactions.
Your card has a magnetic stripe in case a device (ATM or Point-of-Sale) is not capable of reading a CHIP or if the CHIP fails to be recognized by the terminal.
On receipt of your BPWCCUL Mastercard® Debit Card, please call 246-622-9000 and follow the auto-attendant prompts to activate and PIN your card. The system will automatically seek to verify the information you enter with the information on your account, so it’s important that the information in the system is accurate and up-to-date.
This activation process will need to be completed before the card can be used.
Please note that during this process you will be asked to enter your credit card number, however you should enter your BPWCCUL Mastercard® Debit Card number at that point.
Click here to watch a step-by-step guide on how to activate your BPWCCUL Mastercard® Debit Card.
Your card can be used immediately after it has been successfully activated and pinned.
Yes. However, the Co-Optima Card will cease to function via CarIFS at a specified time and we will inform all members of this date. Until then, the Co-Optima card will be available for use at BPWCCUL ATM’s only until December 31st 2021.
No. You will only be able to access money on your Call Deposit record to make purchases or withdraw cash at other financial institution’s ATMs.
In light of this, we encourage members to use our Co-Optima services (Online Banking, Mobile Banking App, ATMs) to transfer funds as needed within their account.
No. The BPWCCUL Mastercard® Debit Card will facilitate access to your line-of-credit funds once they are transferred to your Call Deposit record.
Yes. The cost of transacting business via Mastercard® is different from that of CariFS, therefore a change in transaction fees can be expected at other local financial institutions’ ATMs not related to BPWCCUL.
For more details you may call our Contact Centre.
Yes. A fee will be charged for replacing lost, stolen or damaged cards. You may call our Contact Centre for more details.
No. There is no annual fee.
Yes. For security reasons, there are daily limits on your transactions. You may call our Contact Centre for more details.
For a temporary period, international debit cards (Visa/Mastercard) from other institutions will not work at BPWCCUL's ATMs.
However, transactions using the new BPWCCUL Mastercard® Debit Card will be possible at the ATMs of other financial institutions from inception.
For transaction discrepancies, please visit any branch of the credit union with the following required information in order to complete a Transaction Dispute form:
Information required: Name, address, card number, approximate time and location of transaction being disputed and a detailed explanation of what occurred.
You may call our Contact Centre for further details.
Yes. These cards will expire every five years.
To request a new BPWCCUL Mastercard debit card, ask any questions or report a lost or stolen card, please call us at 622-9000.
Call us: (246) 622-9000
UK Freephone 0808-234-1327
Fax: (246) 437-8745
This is where you belong
© Barbados Public Workers’ Co-operative Credit Union Limited