ShopNPay Visa Debit and Prepaid Cards are Sterling Bank's Visa cards that provide electronic access to your funds anytime and anywhere in the world. 

Sterling Bank of Asia offers (2) two types of ShopNPay Visa Cards:

Debit Card – An all-in-one account that allows you to securely access available funds in your bank account to make purchases, pay bills or withdraw cash at ATMs anytime and anywhere in the world. 

Prepaid Card - A reloadable stored-value VISA card where you can load funds to according to your desired amount for you to make purchases, pay bills or withdraw cash at ATMs anytime and anywhere in the world.

Both the Sterling Bank Visa Card and credit card work exactly the same in terms of payment acceptance.  The difference is that the Sterling Bank Visa Card accesses your funds maintained with the bank, while your credit card accesses your credit limit.

Europay Mastercard Visa (EMV) Chip embedded in front of your ShopNPay Visa Card is a global standard for inter-operation of integrated circuit cards (IC cards or "chip cards"). It allows you to transact at point of sale (POS) terminals and automated teller machines (ATMs), and is used for authenticating credit and debit card transactions. Its added security feature provides greater protection against fraud to the cardholder. 

Swipe to Buy - Pay your purchases items at any Visa and BancNet POS merchants.

Settle with Style - Pay your bills anytime, anywhere through www.bancnetonline.com

Shop Online - Your shopping access to any Visa affiliated and BancNet affiliated online stores.

Sure Cash Anywhere – Withdraw cash from ATMs all over the world (BancNet, Megalink, ExpressNet and Visa Plus).

The ShopNPay Visa Card gives you the B.E.S.T benefits for either Debit Card or Prepaid Card:

Debit Card

• B-uy things you want without the need of paying in cash.
• E-asy access to your funds anytime, anywhere without the need of going to your bank.
• S-tress free payment of your bills at the convenience of where you want to be.
• T-ake great deals from Visa's discounts and promos at Visa accredited merchants all over the world.

Prepaid Card
 
• B-etter way to budget your spending.
• E-asy access to your funds anytime, anywhere without the need of opening a bank account.
• S-tress free payment of bills at the convenience of where you want to be.
• T-ake great deals from Visa's discounts and promos at Visa accredited merchants all over the world.

• At any Visa accredited establishments

– Simply sign the sales slip after the cashier dips or swipes your card. Purchase amount will automatically be deducted from the balance of your Sterling Bank of Asia Account when using your Debit Card or from your card balance when using your Prepaid Card.
 

• At any BancNet accredited merchants

– Simply key-in your PIN after the cashier dips your card and the purchase amount will automatically be deducted from the balance of your Sterling Bank of Asia Account when using your Debit Card or from your card balance when using your Prepaid Card.
 

• In any Visa/BancNet accredited online stores

– Enter the information required by the online store to authorize the payment transaction you made with your ShopNPay Visa Card.
 

• Via BancNetOnline

– Enter the information required to access your account through BancNetOnline's Balance Inquiry and Bills Payment facilities. Just visit www.bancnetonline.com
 

• At any VISA Plus, BancNet, Megalink and ExpressNet ATM

– Key-in your ATM PIN after inserting your ShopNPay Visa Card to access your funds.

For a ShopNPay Visa Debit Card - You just need to open a savings or checking personal account and you will be issued the debit card for FREE.

For a ShopNPay Visa Prepaid Card - Just bring (2) two valid IDs at the nearest Sterling Bank of Asia branch and we will immediately process your card application for a minimal fee.

If your ShopNPay Visa Debit or Prepaid Card is lost or stolen, please contact our Customer Service Helpline at +632 8721-6000 or +632 8672-6300. Your immediate reporting will enable us to cancel your ShopNPay Visa Debit and Prepaid Cards to protect you from possible unauthorized transactions. At a minimal fee, a replacement ShopNPay Card can be provided for you.

Captured Card Policy for internationally issued Debit or Prepaid Card is to cut/destroy the card and it should no longer be returned to the issuing bank. Hence, if your ShopNPay Visa Debit or Prepaid Card gets captured abroad, a replacement card should be requested immediately at same contact number mentioned above.

There are no transaction fees for purchases made at any Visa and BancNet accredited merchants. However, a minimum charge may be deducted from your card every time you withdraw from any ATM terminal of a BancNet, Megalink, ExpressNet or Visa member bank.

Withdrawal charges are as follows: 

*The service fee depends on the other bank's ATM service fees.
**This service fee is in addition to the fees that your card issuer may charge.

Remember:

1. EMV chips can be damaged by scrapes from keys, coins, and other items with sharp edges.

2. Exposure to liquids and other substances can harm the EMV chip.

3. A broken card reader may also be the reason the card is not readable. Try using the card elsewhere to make sure it’s really the EMV chip that is malfunctioning.

4. Even if the EMV chip is damaged, the card may still be used for online purchases and other transactions where the chip does not have to be dipped into a card reader — but you should get the card replaced as soon as possible.

5. Keep your card protected in a wallet or cardholder to avoid possible damage from other pocket or purse items.

For more questions and concerns regarding your ShopNPay Visa Card, you may contact us through the following:

• Customer Service Helpline at +632 8721-6000 or +632 8672-6300
• Email us at customer.service@sterlingbankasia.com
• Visit any Sterling Bank of Asia branch near you.