Say hello to your new
BPWCCUL Mastercard®
Debit Card

Card Features and Benefits

Chip and Pin technology

Experience enhanced security for your ATM and POS transactions.

Globally accepted

Use your card
worldwide anywhere you see the Mastercard® logo.

Tap and Go enabled

Save even more time with the convenience of Tap and Go technology.

Enjoy special savings at our Discount Partners

Receive discounts reserved for BPWCCUL members when you show your card at select businesses.

*View Cardholder Agreement*

Frequently Asked Questions

  • How do I get my new card?

    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.


  • When will I get my new debit card?

    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.


  • Will I receive a BPWCCUL Mastercard® Debit Card
    if I did not have a Co-Optima card?

    No. If you would like to receive a card you will be required to request one.

  • Will I receive a card even if I do not want 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.

  • Will I be eligible to receive a BPWCCUL Mastercard® Debit Card at 16 or 17 years old as an adult member?

    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.

  • What is a Chip & PIN card?

    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.


  • Why does the new card also have a magnetic stripe?

    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.

  • How do I activate my new card?

    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.


  • How soon after activation can the card be used?

    Your card can be used immediately after it has been successfully activated and pinned.

  • Can I continue to use my Co-Optima Card when
    I receive my new Mastercard®?

    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.


  • What are the benefits of the BPWCCUL Mastercard® Debit Card compared to the Co-Optima card?

    • Can make online purchases
    • Facilitates point-of-sale purchases locally and internationally at thousands of merchants.
    • Accesses foreign currency automatically when overseas, so there is no need to purchase cash when travelling.
    • Allows safer and faster transactions with Chip and PIN and contactless technology.
    • Includes transaction control features that allow you to freeze your card if misplaced, get alerts when your card is used or block online transactions.
    • Has account protection with robust security features such as international, 24 hour fraud monitoring.


  • With the Co-Optima card I was able to make purchases using either my Shares or Call Deposit records at points-of-sale and at other financial institution’s ATMs. Will I be able to do the same with my BPWCCUL Mastercard® Debit Card?

    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.


  • Will I still be able to use my Co-Optima Advance card?

    No. The BPWCCUL Mastercard® Debit Card will facilitate access to your line-of-credit funds once they are transferred to your Call Deposit record.


  • Will there be any changes to transaction fees?

    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.

    • Co-Optima ATMs – FREE
    • Local Point-of-sale – FREE
    • Online – 2% foreign exchange fee as regulated
      by the Central Bank

    For more details you may call our Contact Centre.


  • Are there any other charges associated with the
    Mastercard® Debit card?

    Yes. A fee will be charged for replacing lost, stolen or damaged cards. You may call our Contact Centre for more details.

  • Is there an annual fee for my BPWCCUL
    Mastercard® Debit Card?

    No. There is no annual fee.

  • Is there a limit to my purchases or ATM withdrawals?

    Yes. For security reasons, there are daily limits on your transactions. You may call our Contact Centre for more details.

  • Can I use another financial institution’s
    Mastercard® at a Co-Optima ATM?

    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.


  • What should I do in case there is a discrepancy on my account in relation to the BPWCCUL Mastercard® Debit Card?

    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.


  • Does the BPWCCUL Mastercard® Debit Card expire?

    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.

Barbados Public Workers’ Co-operative Credit Union Limited (BPWCCUL) logo

Call us: (246) 622-9000

Toll-free 1-866-800-6146

UK Freephone 0808-234-1327

Fax: (246) 437-8745


This is where you belong

© Barbados Public Workers’ Co-operative Credit Union Limited