Transfer to Win

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RTP is here

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Transfer to Win 〰️ RTP is here 〰️

Real-Time Payments Are Here!

Fast. Secure. Available at Any Time.

Real-Time Payments (RTP) are redefining the way money moves and now they’re available at AffinityPlus Credit Union.

RTP allows you to receive and send money instantly at any time. No waiting. No delays. Just immediate access to your funds when you need them most.

At AffinityPlus, we are committed to delivering a modern, convenient, and reliable banking experience for our members. That is why we’re excited to introduce our new RTP Service, giving your  better control over your finances.

Transfer to Win – Get Rewarded for Using RTP

To celebrate the launch of RTP, we’re also rewarding members who use this new service to save through our Transfer to Win promotion, where 3 lucky members can win $500 in Credit Union cash.  

 How to Send & Receive Funds

Send funds to AffinityPlus

  • Use your AffinityPlus account number to set up RTP transfers at participating banks or credit unions. You can also share your account number with individuals who need to send you money.

  • Funds are sent instantly to your Membership Prime (SO) account

  • Use our SMARTNet Online Banking Portal or App to track or transfer funds to another AffinityPlus savings account

  • Track and make internal transfers using the SMARTNet Online Banking Portal or app

 Send Funds to Other FIs

  • Use our SMARTNet Online Banking Portal or App to send funds to accounts at other financial institutions

Frequently Asked Questions

  • Funds are transferred instantly (within seconds). Both the sender and receiver should see the transaction reflected in their balances immediately.

  • Members can enjoy RTP transfers at no charge, making real-time payments even more convenient.

  • Barbados Public Workers Cooperative Credit Union and City of Bridgetown Cooperative Credit Union,  as well as all the banks in Barbados .except for the Royal Bank of Canada.

  • Simply log in to your SMARTNet Online Banking platform via the website or the mobile app. Use the “Transfer” feature to send funds to an external account at any RTP-enabled institution.

    ‍If you do not currently have access to SMARTNet, you can sign up at www.affinityplusbb.com or download the app on Google Play or the Apple store.  For assistance you can call our member experience team at 436-5600 or email memberexperience@affinityplusbb.com

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  • Because Real Time Payments settle instantly, transactions cannot be automatically reversed and are not guaranteed. So you should verify your transfer details and always send a small test amount to ensure you have the information correct.

    If you make an error, contact AffinityPlus immediately at rtp@affinityplusbb.com or call our PBX at 436-5600 for your best chance at rectification.

  • Yes. The daily transfer limit for AffinityPlus members is $5,000BDS. You will be unable to transfer more than this amount in any 24-hour period

How RTP Benefits You

  • Immediately Access Funds
    Whether it’s your salary, a reimbursement, or money from a friend or family member, RTP ensures your funds are available as soon as they’re sent.

  • Enhanced Security
    RTP transactions are processed through a secure and regulated payment network, designed with multiple safeguards to help protect against fraud.

  • Greater Convenience
    With RTP, you can receive payments at any time, including evenings, weekends, and public holidays, making it easier to manage your finances.

  • Improved Cash Flow
    Instant access to funds can support better financial planning and stability for individuals and small business owners alike.

 How to Get Started

Getting started with Real-Time Payments at AffinityPlus is simple.

  •  If you already have signed up for SMARTNet Online Banking, you are automatically enabled to receive RTP payments.

  • If not, then you can sign for Online Banking here or contact our team at 436-5600 or memberexperience@affinityplusbb.com for assistance
    additional registration is required.

  • If you have questions or need assistance, our Member Experience team is always ready to help.

Contact Us

PBX : (246) 436-5600

Email:

Alternatively, complete our contact form to have one of our Relationship Officers reach out to you, if you have any questions or wish to sign up for any of our other services.