FIRSTCASH CARD

The FMB ATM card is called the ‘FirstCash Card’.  This is a dual-purpose card that can also be used as a cheque guarantee card with cheques drawn on the cardholder’s account being guaranteed for payment up to the limit specified on the card.

Customers can perform one of eight functions (with more planned for the near future):

• Balance Enquiry
• Pin Change
• Mini Statement
• Fast Cash Withdrawal
• Normal Cash Withdrawal
• Funds Transfer
• Statement Request
• Cheque Book Request 

Customers can withdraw a maximum of K40,000 (Fourty Thousand Kwacha) per day, subject to availability of funds in their account and can link up to eight accounts to one card, giving them the freedom to draw money from the account of their choice at any given time. Customers operating joint accounts can also have separate individual cards.

Customers have a choice of transacting on the ATMs in English or Chichewa.  The display window on the ATM features a graphical design which is eye-friendly.  The ATM keypads are coded with Braille lettering, which makes them more easily accessible to visually challenged customers.

The Bank has endeavoured to position the ATMs in strategic locations that give customers easiest access to shopping and other facilities:

• First Corporate Services
• Chichiri Shopping Mall
• Limbe Branch
• Zomba Branch
• Lilongwe Branch          
• Capital City Branch
• Crossroads Complex
• Mzuzu Branch 
• Dwangwa Agency 
• Karonga Agency
• Kanengo Agency

The ATM service is available 24 hours a day.

>> DOWNLOAD APPLICATION FORM NOW

MAKWACHA CARD

Over 80% of the Malawi population live outside of the main urban centers and have, historically been poorly served by the Conventional ‘bricks and mortar’ bank branch networks.  FMB has deployed a unique approach to ‘banking the unbanked’ by launching a co-branded card in partnership with Tobacco Association of Malawi (TAMA), a leading tobacco growers co-operative and Farmers World Limited and Agora Limited, merchants with a country-wide network of stores  serving the farming community.

The Makwacha card is a PIN protected on-line debit card which can be used at any FMB ATM or any of over 60 mini ATM –GSM POS terminals situated at merchant stores in rural trading centers throughout the country.  The card can be used to buy goods at the merchant stores or withdraw cash at either an FMB ATM or a merchant store.

Account opening requirements for a Makwacha card are very simple and no opening deposit is demanded, nor is the cardholder expected to maintain a minimum account balance.  The card is linked to a savings account and funds maintained in the account earn interest at a competitive rate.

Although initially targeted at tobacco growers, the Makwacha card is gaining widespread acceptance amongst other rural dwellers and is also proving attractive as a payroll payment solution for organisations with large rural workforces.

>> DOWNLOAD APPLICATION FORM NOW

CASH PASSPORT

Cash Passport, a pre-paid US Dollar currency card issued by FMB on behalf of Travellex, is a new way of taking your spending money abroad.  You can then use the card to pay for goods and services in millions of restaurants, hotels and shops worldwide that display the Visa Electron symbol.  It also offers instant access to the local currency of the country you are in, from more than one million Visa cash machines in over 160 countries.

Convenient
Cash Passport is the most convenient way for you to take your spending money overseas.  All you need to do is load the funds onto the card before you travel and this will enable you to manage your money abroad easily as you would at home.  By using Cash Passport to pay directly for goods and services, or withdraw local currency of the country you are in from Visa cash machine, you can access your funds instantly, at any time of the day or night.  So you do not need to worry about local bank opening hours or lengthy queues.

Extra Secure
The card is PIN (Personal Identification Number) protected and has a signature panel on the reverse, giving you peace of mind that your funds are secure.  If your card is lost or stolen, you forget your PIN, or you require advice about card usage, you can call the Cash Passport 24 hour helpline for immediate assistance.  For added security, you have the option to purchase an additional card held in your name which is linked to the same pot of spending money.  If one of your cards is subsequently lost or stolen you can report this and continue to use the other card, ensuring you still have access to your money without any inconvenience.  You also have the option to purchase an additional card in the name of someone else, which is especially useful as they can also access the same funds.

Easy to Budget
Cash Passport is pre-loaded with your travel money before your trip so you know exactly how much you are spending while away from home.

Reloadable
Your card is valid for the period of shown on the front of the card - this will not exceed three years.

If you have money left on the card at the end of your trip, you can choose to keep it there and top up the card next time you travel, or withdraw the balance when you get home by going back to the branch where you bought it and we’ll refund you the balance.

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