GlobalCash Card
A prepaid card that can hold up to 15 currencies

• How is this bank’s multi-currency prepaid card different from other banks prepaid cards?

  Emirates NBD has partnered with MasterCard international to bring you the prepaid card. Hence, you are not dependent on your bank in case of an emergency. You have 24/7 Global Emergency Assistance and your card can be replaced and sent to your travel destination as well as emergency cash that can be made available in minutes.

• Why you should get it?

  It’s safe, versatile, and it’s a global card. You could choose your preferred currency for transactions which saves any exchange loss.

• Where can I get the GlobalCash Card?

  Emirates NBD customer can apply for the GlobalCash Card through Online or Mobile banking and collect the card from the respective branch.

  Non Emirates NBD customer can apply for GlobalCash Card by visiting any of the Emirates NBD branches with valid documents.

• How many currencies can I load and what currency you can load into the card?

  Customers can load up to 15 currencies including AED in the following order (AED, USD, GBP, EUR, AUD, CAD, INR, SAR, PHP, ZAR, TRY, THB, LKR, CHF, and PKR)

• Do I need to activate and/or register my card before using it?

  No, the Card is already active once issued.

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• How is this bank’s multi-currency prepaid card different from other banks prepaid cards?

  Emirates NBD has partnered with MasterCard international to bring you the prepaid card. Hence, you are not dependent on your bank in case of an emergency. You have 24/7 Global Emergency Assistance and your card can be replaced and sent to your travel destination as well as emergency cash that can be made available in minutes.

• Why you should get it?

  It’s safe, versatile, and it’s a global card. You could choose your preferred currency for transactions which saves any exchange loss.

• Where can I get the GlobalCash Card?

  Emirates NBD customer can apply for the GlobalCash Card through Online or Mobile banking and collect the card from the respective branch.

  Non Emirates NBD customer can apply for GlobalCash Card by visiting any of the Emirates NBD branches with valid documents.

• How many currencies can I load and what currency you can load into the card?

  Customers can load up to 15 currencies including AED in the following order (AED, USD, GBP, EUR, AUD, CAD, INR, SAR, PHP, ZAR, TRY, THB, LKR, CHF, and PKR)

• Do I need to activate and/or register my card before using it?

  No, the Card is already active once issued.

• Where can I use my GlobalCash Card?

  You can use this Card wherever the MasterCard is accepted, to withdraw cash, POS transactions at merchants and online shopping.

• Can I use the GlobalCash Card again?

  Yes. Cardholders can load different currencies onto the GlobalCash depending on where they are going. The card is reloadable, so they can use it for all their trips.

• How does the GlobalCash work?

  GlobalCash is a chip and PIN protected prepaid MasterCard® currency card. Cardholders can load up to 15 currencies onto it in advance and then use it in millions of ATMs worldwide displaying the MasterCard Acceptance mark to access their money quickly and safely. Cardholders can also pay for goods and services at merchants, wherever MasterCard is accepted.

• Can I change the PIN on my GlobalCash Card?

  Yes, you can change the PIN on your Card anytime by calling our 24-hour Customer Service. Our telephone numbers are 8000 440628(within UAE) or +44 207 6499404 (if overseas).

• What do I use the secondary Card for?

  The secondary Card can be obtained only along with the Primary Card as an add-on Card and not later. Both the primary Card and the secondary Card can be used concurrently. You can choose to use the secondary Card in the event that the primary Card is lost or stolen. Please remember that in case your primary (and or secondary) Card lost, misused or stolen, contact our 24-hour Customer Service immediately. If you choose not to use your secondary Card, you must keep the secondary Card and PIN in a safe place and must not give the Card to anyone else. If you do happen to use your secondary Card and PIN instead of the primary Card, you will not de-activate or cancel the primary Card.

• How can I check the balance on my GlobalCash Card?

  You can use ATMs, Emirates NBD Online Banking, Mobile Banking, GlobalCash Mobile App and My Account page to view the Card balance.

• What currency balances are displayed in my prepaid card?

  All currency balances will be displayed. However, the total balance will be displayed in UAE AED

• What should I do if my Cards have been lost, stolen or misused, or my PIN has been compromised?

  You need to contact our 24-hour Customer Service immediately and they will explain your options for Replacement Cards and emergency cash on 8000 440628 (within UAE) or +44 207 6499404 (if overseas).

• What should I do if my Card is declined in a shop?

  This should only happen if MasterCard® is not accepted at that location; you are shopping in a restricted country; you don’t have enough money on the Card to cover the purchase or the merchant does not accept prepaid Cards (eg. a cruise company). If the merchant supports, you can always use what money you have on your GlobalCash Card to make a partial payment and then use another form of payment acceptable to the merchant for the remainder of the purchase. Be aware that some merchants, such as restaurants and car hire companies, may require the Card to have an available balance greater than the purchase amount before they will authorize the payment.

• Which option should I select when I use an ATM to withdraw cash?

  If an ATM screen or merchant prompts you to choose ‘which account’, you should select the ‘Credit’ option.

• Will Emirates NBD charge me a fee for ATM withdrawals or point of sale transactions?

  Emirates NBD will charge you overseas ATM usage fees for making withdrawals but not for balance enquiries at ATMs displaying the MasterCard® Acceptance Mark. There are no charges for point of sale purchase transactions except for cash transactions.

• What is pre-authorisation?

  A pre-authorisation is a hold over funds on your Card. A merchant such as a hotel or car hire company may estimate the cost of your bill and ask you to use a Card as guarantee. The merchant will then put a hold over the pre-authorised amount which you’ll not be able to use to make transactions. Pre-authorisation can last for up to 30 days. Emirates NBD does not recommend that you to use your GlobalCash Card for pre-authorisation. You can of course use your GlobalCash Card to settle your final bill.

• What do I do when asked if I want to pay for my transaction in UAE Dirhams or local currency?

  Some merchants and ATM operators abroad give you the choice of paying in either local currency or your home currency (UAE Dirhams). If you choose to do your transaction in your home currency, this will result in the retailer or ATM operator levying an additional foreign exchange transaction fee on you as the Card will seek to transact in UAE Dirhams rather than the local currency.

  If given the option, ALWAYS choose to pay in local currency e.g. in Paris choose Euros, in India choose Indian Rupees – this will ensure you are not charged an additional foreign exchange transaction fee by the merchant or ATM operator.

• What do I do if I find an incorrect transaction on my Card?

  If you have any queries about your GlobalCash Card balances or you notice an unauthorised transaction, please notify our 24-hour Customer Service immediately by calling us at 8000 440 628 (within UAE) or +44 207 649 9404(if overseas).

• Who should I contact if I have a problem with my Emirates NBD Online Banking, Emirates NBD ATM & CDM?

  If you have a problem using Emirates NBD Online Banking, Mobile Banking, ATMs and CDMs call Emirates NBD Helpline at +971 600540000

• I can't find my GlobalCash Card. What should I do?

  Call the MasterCard emergency hotline mentioned on the card to block the existing card and request for an emergency replacement.

• My available card balance will not cover my purchase amount. Can I still use my prepaid card?

  You could reload the Card with the required amount and use it.

• When do the MasterCard® foreign exchange rate fee apply?
  • You use the Card to make a transaction (ATM, point of sale, internet or phone) and the Card does not hold the currency.
  • A fee is charged to the Card in a currency not on the Card.
  • Funds are moved from one currency purse to another currency purse on the Card.

  The MasterCard® foreign exchange rate is set by MasterCard®, and is applied to the purchase or withdrawal amount and to any applicable fees. The rate varies from time to time.

• When do Emirates NBD foreign exchange rate applies?
  • You unload the funds from your Card.
  • You reload your Card via Emirates NBD Online or Mobile Banking; the foreign exchange rate will be applied at the time of transfer, and it will be displayed to you prior initiating the transfer.
  • You load or reload funds onto your Card in any Emirates NBD branch.
  • A fee is charged by Emirates NBD to the Card in a currency other than AED.

  Emirates NBD sets the foreign exchange rate (plus a margin determined by us), which varies from time to time.

  If you have the right currency already loaded onto the Card, and sufficient funds to complete the transaction on the Card, when you make a purchase or withdrawal you won't pay any cross currency conversion or foreign exchange rate fees.

  ®MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

• Will the inactivity fee be charged to the customer every month after the 5 months?

  YES

• Maximum Load and reload value 40000. Can customer load or reload multiples time on the same day and can the card hold more than 40000 AED at same time?

  Customer can load & reload as many times during the day but the maximum value that can be loaded on the card per day is AED80,000 & the max value the card hold at any point in time is AED 40K

• Can I load additional funds onto my Prepaid Card?

  Yes, but only up to the maximum allowed limit

• What is the ATM Balance enquiry fee for other banks and international banks?

  ATM Balance Enquiry is free.

• How can I load my GlobalCash Card?

  You could use multiple channels to load your GlobalCash Card:

  • Emirates NBD branches
  • Emirates NBD Online or Mobile Banking (existing Emirates NBD customers having individual Current or Savings account)
  • Emirates NBD CDMs in AED only

   

• What is over the counter cash advance fee?

  In some overseas locations, merchants/banks can provide cash over the counter like Cash advance on credit cards – since this is a prepaid card no interest can be charged but the said fee will be applicable.

• What is the card validity?

  The Card is valid for 5 years as per expiry date printed on the card.

• Do the funds on the Card expire?

  No. However, inactivity fee will be levied in the fifth month.

• Can I use the Card in other countries?

  Yes you can

• How do I arrange a replacement card?
  • Emirates NBD Branches
  • 24 hour Call Center

   

• Why am I being charged with an inactivity fee on my global cash card?

  An inactivity Fee of AED 15 or equivalent in foreign currency is applicable on your global cash card after 5 consecutive months of inactivity.

• How often should I use my global cash card to prevent it from being billed with an inactivity fee?

  Your global cash card should be used regularly every 2 to 3 months to avoid this inactivity fee.

• Does the inactivity fee gets billed in AED or foreign currency?

  The inactivity fee is billed for an amount of AED 15 or equivalent in foreign currency based on the currency hierarchy.

• Will I still be charged with the inactivity fee If I have an available balance in my purse?

  Yes, the inactivity fee will be applicable when there will be no transaction for 5 consecutive months irrespective of balance available in the purse.

• How does the inactivity fee gets charged when my global cash card has balance less than AED 15?

  Any amount available less than AED 15 will be recovered as inactivity fee.

• How does the inactivity fee gets collected when my global cash card has zero balance?

  There will be no inactivity fee charged when your card balance is zero.

• Do I get charged with the inactivity fee on both my primary card and secondary card?

  No, the secondary card is treated as a mirror card only and both the cards will have the same balance hence the inactivity fee is charged only once on the primary Card.

• Will I be charged with an inactivity fee every month until I use my global cash card again?

  Yes, you will be charged with an inactivity fee every month on your global cash card until it is used again.

• How can I reload my global cash card to avoid the inactivity Fee?

  Your global cash card can be reloaded in any of the 15 currencies. You can reload your card in any of the convenient ways mentioned below:

  • Emirates NBD CDMs in AED only (existing Emirates NBD customers)
  • Emirates NBD Online or Mobile Banking (existing Emirates NBD customers)
  • Emirates NBD Branches

   

• I have used my global cash card in the last 5 months, how can I have the inactivity fee reversed?

  You need to contact our 24-hour Customer Service on 8000 440628 (within UAE) or +44 207 6499404 (if overseas).

• Do I get a notification before being charged with an inactivity fee on my global cash card?

  Yes, you will receive an email notification with reference to the applicable charges.

• ًWill my Global Cash card get closed due to inactivity for a long period of time? If yes, does it need to be reactivated again?

  Your global cash card does not get closed due to inactivity and does not require reactivation in order to be used again.

• What sort of transactions could be made to avoid the inactivity fee on my global cash card?

  To avoid this inactivity charge, you might do any of the followings:

  • Reload your global cash card in any of the 15 currencies
  • Use your global cash card locally in AED by loading your card AED purse
  • Conduct ATM withdrawal or online shopping transaction

   

• What other applicable fees and charges do I have on my GlobalCash Card?

  For more information, request you to refer to the schedule of fees and charges on your GlobalCash Card.

• What if I have insufficient funds in the local currency?

  If you have more than one currency loaded, the card will automatically first utilize the remaining balance in the local currency then select the next available currency according to the predetermined default order of priority listed below.

  The currency 'Order of Priority' is:

  S.no	Currency	S.no	Currency	S.no	Currency
  1	AED - UAE Dirhams	6	CAD - Canadian Dollars	11	TRY - Turkish Lira
  2	USD - US Dollars	7	INR - Indian Rupees	12	THB - Thai Baht
  3	GBP - British Pounds	8	SAR - Saudi Riyal	13	LKR – Sri Lankan Rupees
  4	EUR – Euros	9	PHP - Philippines Pesos	14	CHF – Swiss Francs
  5	AUD - Australian Dollars	10	ZAR - South African Rand	15	PKR - Pakistani Rupees

• How can I manage my GlobalCash Card?

  What would you like to do with your GlobalCash Card?	Emirates NBD Online & Mobile Banking	My Account via emiratesnbd.com/globalcash	GlobalCash Mobile App	Automated Phone Response Services	Branch	Emirates NBD Cash Deposit Machines (CDMs)
  Check available balance in each currency	✓	✓	✓	✓
  View your transaction history	✓	✓	✓
  Move money from one currency to another	✓	✓	✓
  Load currencies using linked bank accounts	✓
  Load or unload currencies using cash or linked accounts					✓
  Request card closure or replacement					✓
  Change your secret card PIN				✓
  Get details of most recent transactions				✓
  Deposit cash in UAE Dirhams to load the card						✓

  For emergency Card replacement services or any other transactional dispute please call our 24-hour Customer Service at 8000 440628 (within UAE) or +44 207 6499404 (if overseas).