MCB Frequently Asked Questions / Personal Banking

Account Information

Which accounts can be viewed on Personal Banking?
All active Personal and/or Savings accounts linked to your Bankomatiko Card can be viewed, as well as the account balances of your Credit Card(s), Personal Loan(s), Mortgage(s), Time Deposit(s), Call Account(s), Investment Account(s) and Insurance Policies.

What needs to be done to view additional accounts on Personal Banking?

On the main accounts page, there is a link to add additional accounts. Click on the link and fill out the form to request the additional of other accounts to Personal Banking.

How far back is it possible to view transactions in Personal Banking?

A customer can view current and savings account transactions up to six (6) months back.

Can statements be viewed in Personal Banking?

Yes, statements for Current, Statement Savings accounts and all Credit Cards are available in light-weight full color online versions that print in an ink conserving way, or save the full color PDF on your computer.

When can today’s transactions be viewed in Personal Banking?

Transactions submitted and processed on Personal Banking, or through other bank departments, prior to 2:00 pm on business days will show up Personal Banking after 11:00 pm that same day.

Account Transfers

What is an account transfer and how does it work?
An account transfer is moving funds between the Current and/or Savings Account(s) that are set up in Personal Banking. Transfers are supported in NAf., USD and Euro currencies. The transfer will occur in the currency of the From account. To transfer funds, select the account you want to transfer funds from and the account you want to transfer the funds to.

Is it possible to transfer Dollars and Euro’s?
Yes, it is possible to transfer US Dollars and Euros if the transfer From account is a Foreign Currency account. It is also possible to make payments from a US Dollar or Euro account.


A bill has been paid but the balance of the account did not change. Why not?
When scheduling a payment, the balance of the selected account will not reflect payment of the amount until payment has been processed during our settlement procedure, between approximately 4:00 and 5:00 pm.

When does the beneficiary of a bill actually get the payment?

If the beneficiary’s account is at Maduro & Curiel's Bank, the payment will be received the same business day. For beneficiaries at other local banks, it takes about 3 days for the payment to be received. Please allow an adequate amount of time for the payment to reach the beneficiary.

Can beneficiaries at other banks be paid via Personal Banking?


How can a beneficiary on another island be paid?

If the beneficiary is within the MCBGroup the same payment procedure applies as with local banks, selecting the beneficiary’s account from the Dropdown Menu on the payment page. If the beneficiary does not appear on the Dropdown Menu list, payment can be executed by means of a Wire Transfer.

How can a beneficiary in the USA or Europe be paid?

Beneficiaries in the USA or Europe can be paid by Wire Transfers.

How can beneficiaries in the world, other than the USA or Europe be paid?

All international beneficiaries can be paid by Wire Transfer.

Is it possible to get a confirmation that a payment has been made?

Personal Banking generates confirmations both at creation of the payment and at its execution.

Can a local bill be paid from a Dollar or Euro account?

Yes, however, the beneficiary account will be credited in its native (e.g. NAf.) currency.


What are the transaction limits?
Transfers and payments are subject to the following daily and amount limits, subject to change by the Bank.

Transaction type Number per Day Amount

Transaction type Number per day Amount per day (NAF.) Amount Single Transaction (NAf.)
Within own Accounts 10 10000 10000
Bank Vendor List Payments 10 10000 10000
3rd. Party Payments (not vendor list) 10 5000 5000
Wire Transfers 5 5000 5000


Prepaid Phone Recharge

Which prepaid phones can be recharged on Personal Banking?
All UTS prepaid phones: UTIL/CHIPPIE/TELEFASIL can be recharged through Personal Banking

How are prepaid phones recharged on Personal Banking?
By making an immediate (Pay Now) payment to the beneficiary UTS UTIL/CHIPPIE/TELEFASIL in the 'Payments' section.

When is the recharge applied on the prepaid phone for use?
The recharge will take place within 5 minutes after a Pay Now transaction. If you schedule a recharge, rather than use Pay Now, the recharge will take place after 4 pm.

Checkbook Orders

When an application for a checkbook is made, where is the checkbook sent and when can it be picked up?
The checkbook is sent to the pickup branch as specified on the request form. Checkbooks are ready for pickup 2 business days after your online checkbook order.