Online Banking FAQ

You can visit www.bancodicaribeonline.com or through this website www.bancodicaribe.com and click on the ‘Online banking Login’ button. Your Logon ID is your 6 digits Customer ID number.

Click here to view instruction video.

Normally at the end of the day. But if necessary client can send an email requesting the bank to make a payment within the text; OVERRIDE. Multicard will be refreshed every 2 hours.

Yes, the main-user needs to pick up the tokens and sign for receipt. The main-user is responsible for the sub-user tokens including the SVC. We recommend the main-user to file the SVC in a secure place.

You will receive an email with subject ‘Security token request ID’. This email contains both the Logon ID and user (Sub-user) ID number(s) or names and corresponding request ID number. This request ID corresponds to the envelope number the main-user will receive for each sub-user. With this information the main-user can distinguish between request IDs to whom each package pertains. You will receive an ID card with the Logon ID, Sub-user ID and token serial number for reference. However, we recommend memorizing your serial number, registered on the back of the token, or put a small sticker to distinguish your token from other tokens.

  • Process multiple payments at once by using the Bill Payment feature, instead of processing each payment separately 
  • Securely upload a payment
  • Process your payments anytime, anywhere

If you lose your token, please call the bank immediately to block your token and visit the bank to apply for a new one.

In case the token is damaged, please do not open the damaged token. You can bring it to one of our branches, where you can fill out a request form for a replacement.

If your token has a low battery indication, please do not open the token nor try and replace the battery yourself. You can bring it to one of our branches, where you can fill out a request form for a replacement.

See below videos on how to create, enable and disable a Sub-user.


Enable/Disable  Sub-User 

Click here to view instruction video.


Authorization Sub-User and Activation

Click here to view instruction video.


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* (click for instruction video)

Yes, when you pick up or receive your token you will receive a Personal Identification Number (PIN) and a Security Verification Code (SVC). When you activate your token, you will have to change this PIN. After you changed your PIN you can use the new PIN for all further transactions. Please be advised to file your SVC securely. You will need the SVC to unlock your security token the moment when the system has been locked.

All scheduled payments containing the former name of the beneficiary institution will be rejected after the modification date. Therefore, you must delete all previously scheduled payments with the former beneficiary name and recreate them again by using the new name. Please notice that you need to confirm the deletion of these schedules in ‘pending approval schedules’. This can be done by following the next steps:

Step 1: 
Go to www.bancodicaribeonline.com, select your market and logon.

Step 2:
Once you are logged on, click on ‘Payments and Transfers’> ‘Transfer Schedules’> ‘Manage Open Transfers’.

Continue by selecting the scheduled payment(s) you like to delete by checking the box on the left of the payment. Next, click on the ‘delete button’ on the top panel and confirm the deletion on the pop-up window that appears on the screen.

Step 3:
To approve the deletion of your scheduled payment(s) go to ‘Payments and Transfers’> ‘Transfer Schedules’> ‘Approve Pending Schedules’. Select the scheduled payment(s) you like to confirm the deletion in BdC Online by checking the box on the left of the payment. Next, click on the ‘approve button’ on the top panel and an authorization window pops up.

Turn on your token by pressing the arrow key and enter your four-digit pin. Then press number ‘2’ on your token and enter the eight-digit challenge code from the authorization window in the token. Once you entered the challenge code in your token, press and hold the arrow key on your token until the number 2 is shown. Press the Arrow key again and a one-time passcode is generated on your token. Enter this passcode in the authorization window and click on the submit button. You will be notified that your scheduled deletion has been approved.

All previously created transfers that have not been approved yet in BdC Online and contain the former beneficiary institution name can no longer be approved after the new names are effective. These transfers need to be deleted and recreated with the new beneficiary names. 

Apart from the above, you cannot use the duplicate option in BdC Online to create a new transaction from a previously approved transaction containing the former beneficiary institution’s name. You are required to create a new transaction containing the new name in BdC Online, which in the future can be duplicated when necessary.

The information required to make an online international transfer is as follows:

  • Full beneficiary name (initials are not allowed)
  • Full beneficiary address (P.O. Box numbers are not allowed)
  • Full bank address
  • BIC/SWIFT code of the beneficiary's bank
  • IBAN number of the beneficiary's bank