This debit card was introduced in January 2004 and is the card of choice for customers who require quick and easy access to withdraw from or deposit money in their TT$ Income Fund account.

Visa Debit Cardholders:

  • Can make purchases or conduct withdrawals domestically.
  • Point of sale transactions are FREE at merchant locations wherever the Visa symbol is displayed.

Apply for your Visa Electron Debit Card today!

Over the phone: Call us at (868) 625-8648 (UNIT) to speak with one of our representatives and we'll send the card to the UTC Investment Centre of your choice within 3 days!

At a UTC Investment Centre: Come in to any of our UTC Investment Centres either with an application form or complete the form with the assistance of one of our customer service representatives.

Via U-Online: You can apply for your new card by accessing the requests menu on our Online service U-Online. Register for your U-Online access now.

In order to be eligible for this card, you must have a minimum balance of TT$100.00 in your TT$ Income Fund account. This account cannot be jointly held.


Transaction activity is monitored daily to detect any possible fraudulent transactions. Actions are taken by the UTC card services department to limit any exposures.

Cardholders are urged to monitor their transaction activity, either through their monthly statements, or (recommended) via U-Online, our free internet service. (Click here to learn more.

You can also speak to our customer service representatives at 625-UNIT (8648) utilizing option 3 from 7:00am to 10:00pm daily (including weekends and public holidays).

As a security precaution, internet based purchases are currently prohibited. Locally cardholders can withdraw up to a maximum of TT$3,500.00 daily at an ATM* and make point-of-sale purchases up to a maximum of TT$20,000.00 daily.
*Subject to individual participating ATM rules


  • No point of sale transaction fees.
  • No fees for withdrawals at UTC ATMs.
  • Free Balance enquiries at any ATM.
  • Travel Accident Insurance
  • Deposits can be made at any of our ATMs located at all UTC Investment Centres. Find the ATM nearest to you.


  • Annual card fee is only TT$100.00. The lowest cost Visa Debit card in the local industry.
  • If a card is lost, stolen or damaged, there is a replacement fee of $100.00.
  • All transaction types are free of charge at UTC ATMs
  • TT$7.00 fee is charged for all withdrawals conducted at non-UTC local ATMs.
  • No fees are charged for balance enquiry transactions at local non-UTC ATMs.

The UTC Card Services offers quick and friendly support to our customers every day from 7am to 10pm (also available on public holidays). On all matters relating to the UTC Visa Debit Cards please call us at (868) 625-8648 (UNIT).