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About IME Remit Card

IME Remit Card is a Prepaid Remittance Card which uses visa network for mobility of money received through remittance channel. It is a co-branded product between IME and Global IME Bank, called “IME Remit Card’, that provides banking services to inward remittances. The card is a prepaid product which combines features of both debit and remit. Through the use of this card, customers will have the option to load the remittance amount sent through IME Agent network abroad and within Nepal and can be used by the card holder for cash withdrawals from ATMs, transactions at points of sale and e-commerce transactions.

Features of IME Remit Card

  • IME Remit Card has a unique feature of uploading cash to card. Hence cardholder can use up to the balance available in his/her card.
  • IME Remit Card is valid in Nepal, India and Bhutan only.
  • The validity period for the card is 5 years.
  • Card can be used at any ATM Terminal connected to Visa/SCT/NPN Network for cash withdrawal.
  • Card can be used at any POS terminal connected to Visa/SCT/NPN Network for the purchase of goods and services.

Benefits of IME Remit Card

  • Receive remittances directly on card
  • Instant issuance
  • No need to carry cash
  • Safe & secure
  • Facility to reload by subsequent remittances
  • 365 days access to Contact Centre Services at 16600151515
  • ATM withdrawal
  • Merchant payment

Documents Required

Following documents must be submitted for the purpose of processing IME Remit Card Application:

  • Duly filled up IME Remit Card Application Form
  • Duly filled up KYC Form
  • 2  PP size photograph
  • Copy of citizenship certificate

Enrollment and Card Activation

The process of enrollment for IME Remit Card is governed by the basic principal of holding a debit/credit card i.e. customers need to fill up the Application and KYC form available at designated IME Centers. Once dully filled forms are received by the agent teller, verification will be done, after which the details will be entered into IME system for card approval and activation. The forms are checked and approved by IME Head Office, after which customers will be provided with IME Remit Card and PIN code. After the card is activated, card holder can use remit card number for performing transactions.

Send Money Step 1

Customer

Send Money Step 1

Authorized IME Center

Send Money Step 1

Fill up application and KYC form

Send Money Step 1

Verification by Agent teller and enter into the system

Send Money Step 1

Customer Approval

Send Money Step 1

Card Activation(Confirmation through SMS)

Loading money into the card

After the card is activated, customer can send the money in the IME Remit card by visiting IME agent and filling up the remittance form including card number. IME agent teller will verify the number and enter into the system. As soon as this happens the amount of money which was intended to send, will be loaded in the IME Remit card and beneficiary can withdraw the money from ATM / POS machines at the earliest.

Send Money Step 1

Customer

Send Money Step 2

IME Agent

Send Money Step 3

Fill up remit form with card number.

Send Money Step 4

IME Agent Teller

Send Money Step 1

Customer Approval

Send Money Step 6

Deposit confirmation through SMS

Send Money Step 7

Ready to be used at ATM & POS

IME Remit Card is very easy and simple to use. The method for using is briefly described below:

Send Money Step 7

Insert your IME Remit Card in the card slot.

Send Money Step 7

Select the language you desire either Nepali or English. Other languages may be available in India.

Send Money Step 7

Enter your pin number.

Send Money Step 7

Change the pin number ( if you are using the card for the first time)

Send Money Step 7

Select withdraw funds to take money out from the ATM

Send Money Step 7

Select the desired amount(Enter the desired Rupees Amount. This must be in multiple of 500 in GIBL ATMs.)

Send Money Step 7

Make sure to take your cash, IME remit card and a receipt

Note: If the card is not taken out on time, ATM machine will pull the card inside the machine.

Things To Remember

  • Sign on the white panel at the back side of the Debit Card (just under the black stripe), and keep the card with you all the time, or in a safe place.
  • A secret PIN code shall be provided separately in a sealed PIN Mailer for operating your IME Visa Remit Card. For security purpose, you are advised to memorize your PIN code, and destroy the PIN Mailer. PIN is an important validation of your identity. Avoid using regular numbers while changing the PIN number like 1234, 1111, or date of birth etc.
  • Do not bend your IME Remit Card, as well as do not expose it to extreme heat or electricity. Because IME Remit Card is magnetically encoded, exposure to aforementioned things will render the card unusable on any electronic terminals.
  • Do not carry out transaction in the presence of a second person.
  • If your card is lost or stolen inform IME Center immediately, so that unauthorized transaction can be blocked or you can also directly contact IME Head Office. (Toll Free No: 16600151515)
  • Check your card balance on regular basis. In case of any discrepancy, please communicate such transaction to IME in writing.

Applicable Fees and Charges:

Fee and Charges:                                                                                                                                      
Card Issuance Fee:-
Convenience Fee:NPR 250
Card Replacement Charges:NPR 250 (For Lost and Damaged Card)
PIN Reissuance Charges:NPR 100
SMS Banking Charges:First year free and Rs.100 per year from second year

Transaction Charges:
Card type GIBL Network NPN Member
(National Payment Network)
VISA Network SCT Terminals
Withdrawal Charges - NPR 20 NPR 150 NPR 30 for Visa Card
Balance Inquiry - NPR 5 NPR 50 VISA NPR 10

Charges for INR Withdrawal from India: NPR 250 for Withdrawal(Additional 0.0015 Per INR as currency exchange fees

Balance Inquiry

Besides ATM, card holder can get detail about the balance in their IME Remit Card from the nearest IME Center or IME HO whichever is convenient. For this, card holder should provide the card number to the concerned IME staff. For more information contact: 01-4430600

Transaction Limits:
  Frequency & Transaction Limit ATM POS
GIBL Network Count Per Day    
Amount per day 100,000 500,000
Amount per txn 35,000 500,000
Balance Inquiry - -
Visa Network (India) Count per day    
Amount per day 24,000 160,000
Amount per txn 24,000 160,000
Amount per month 160,000 160,000

Dos:

  • Activate your card as soon as you receive the card approval message.
  • Keep the card at places like wallet/vault to minimize the chances of loss and damage to the card.
  • While using the cards at POS locations please ensure that the card, you got back is yours. Many times cards get exchanged at such locations.
  • After the card is activated, keep the card number and detail of the issuing agent at a secure place for your reference.

Don’ts:

  • Don't throw away the expired card. Always cut the card before disposing. This will ensure that the expired card cannot be used for counterfeit.
  • Don't reveal your card number and personal details to outsiders in response to any suspicious caller. This could be a social engineering attack.
  • Don't handover your card to anyone including your friends / family members. Card is meant for your use only.

Frequently Asked Questions:

  • What is IME Remit Card?

    IME Remit Card is a Prepaid Remittance Card which uses the Visa network for mobility of money received through remittance channel. The card is a prepaid product which combines features of both debit and remit.

  • What can I do with my IME Remit Card?

    Withdraw cash at ATMs domestically
    Shop at all swipe merchant locations that accepts IME Remit Card

  • Where can I get my IME Remit Card?

    IME Remit Card is available at prescribed IME Centers.

  • What do I need to do to get an IME Remit Card?

    You will have to fill up the Application and KYC forms at IME Centers. You have to submit 2 passport size photo and your citizenship photocopy along with the form.

  • What are the benefits of IME Remit Card?

    Receive remittances directly on card
    Instant issuance
    No need to carry cash
    Safe & secure
    Facility to reload by subsequent remittances
    365 days access to Contact Centre Services at 16600151515
    No frequent branch visits for receiving remittances

  • How will funds be credited on the IME Remit Card?

    You have to inform the card number to the remitter for receiving remittances directly on IME Remit Card.

  • How will I know when amount is credited on the IME Remit Card?

    You will receive an SMS on your registered mobile number when the amount is received on IME Remit Card.

  • How does my IME Remit Card work?

    Each time you use you IME Remit card to shop or withdraw money from an ATM, the amount is automatically deducted from your card balance.

  • How do I shop using my IME Remit Card?

    When you are ready to pay for your purchases, give your card to cashier to swipe at the POS terminal. Check the amount printed on the receipt to see if it is correct. You will be asked to either sign the receipt or enter your PIN. The purchase amount will automatically be deducted from the card balance.

  • How long is my IME Remit Card valid for?

    IME Remit Card is valid for 5 years from the issuance date.

  • How do I reload the IME Remit Card?

    IME Remit Card can be reloaded with remittance amount from any IME Centers paying a specific fee.

  • How do I check the balance on my IME Remit Card?

    Card Holders can check the balance by conducting a balance enquiry from ATMs and obtain a receipt showing the balance.

  • How much amount of money can be remitted on IME Remit Card?

    You can send any amount on IME Remit Card.

  • How many IME Remit Cards can I avail?

    You can aim to have only one IME Remit Card on your identity card.

  • Can I get a statement of account for IME Remit Card?

    Yes, card holder can get mini-statement containing last 5 transactions in the account, which can be obtained from the ATM network of Global IME Bank Ltd.

  • Where will I get the ATM PIN for my IME Remit Card?

    You can obtain ATM PIN for IME Remit Card by requesting the IME Center.

  • What should I do if I lose my IME Remit Card?

    If you lose IME Remit Card, you have to immediately inform the IME Center and block the card. Card can also be blocked by contacting IME HO at 01-4430600 directly.

  • What are the charges for IME Remit Card?

    IME Remit Card is issued free of cost, Rs.200 will be charged annually for subscription. If the card is lost or damaged and has to be replaced Rs. 200 will be charged. And for reissuance of PIN Rs. 100 will be charged. Transaction charges will be deducted as prescribed by IME / GIBL. Please refer to applicable fees and charges section for details.

  • What are the charges for conducting transaction on ATMs in India?

    Charges for INR Withdrawal from India: NPR 250 for Withdrawal(Additional 0.0015 Per INR as currency exchange fees)

Range of Services (at ATM)

  • Cash Withdrawal:

    Card Holders can withdraw funds from ATMs, subject to the daily limit fixed by the bank.

  • Balance Inquiry:

    Card Holder can view their balance in the screen of ATM machine, and if necessary a receipt showing the balance can also be obtained.

  • Statement of Account:

    A statement containing last 5 transactions in the account can be obtained by using mini-statement option available in the ATM. This facility is available only in the ATM network of Global IME Bank.

  • Change of PIN:

    Customer can change their PIN only at the Global IME banks ATMs in Nepal.

Loss of IME Remit Card
The Card Holder should immediately notify nearest IME Center if the card is lost or stolen. The card will be blocked for further use once the card holder confirms the loss of card. Any financial loss arising out of loss of Card will be Card Holder’s responsibility. New Card will be issued for the replacement of lost/damaged card at a charge of Rs. 200/-. However, new card will only be issued after the card holder submits a written application to the nearest IME Center or the IME HO card department whichever is convenient at the earliest.
IME HO Ph no: +977-1-4430600

PIN Lost
In case the card holder misplaces PIN provided, he/she should submit a written application to the nearest IME Center or IME HO for reissue of PIN.

Renewal of IME Remit Card
IME Remit Card is valid for a period of 5 years. Upon expiry of this period, a customer can request for the renewal of the card by submitting a written application/ filling out the necessary form at the prescribed IME Centers.

Disputes settlement:
Disputes settlement will be made once a written application is received from the customer or fill out the prescribed dispute settlement form. A cardholder dispute occurs whenever there is discrepancy with a merchant / ATM about the charge that is debited to the card holder’s card account.
Some examples of common disputes are given below:

  • Card holder attempted to withdraw money from an ATM, but for some reason the cash is not disbursed from the machine, while the account gets debited.
  • Card holder forgets to collect cash after a successful cash dispense from the ATM.
  • Card holder is charged twice or more for the same purchase.
  • Card holder used card to “hold” a purchase, then paid for the goods or services by other means but were charged on the card by merchant.
  • Card holder being charged with an incorrect transaction amount. For example 100/- instead of 10/-
  • Card holder cancelled the transaction with a merchant, but the merchant charged the card holder. 

Time Frame for Dispute Settlement:
For SCT /NPN network related Transactions- Minimum One week from the date of processing.
For ATM related transactions- 45 days from the date of processing.
For POS transactions- 30 days for Signed Slip Copy request and another 45 day if it is still disputed by customer.

Note: Disputed transactions are not valid after 120 days.

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