To be eligible to order a card you need to have a current account. Login to the MeDirect App or via Online Banking and go to the Cards tab. Here you will be given the option to choose a virtual or a physical card.
When ordering a physical card, you will be requested to confirm your delivery address as well as create your card PIN. This PIN will be used for cash withdrawals and certain card payments.
Virtual cards are only available for online transactions, while physical cards can also be used in person at point-of-sale (POS) terminals and for cash withdrawals at ATMs.
Upon receiving your physical card, you must first activate it by using the card (by entering your PIN), at an ATM or by making a purchase at a point-of-sale (POS) terminal. The contactless feature will automatically be activated after the first purchase.
When making a payment with your card, the funds are debited from your current account which holds the same currency as the transaction. If you do not own a current account in this currency, or you do not have enough balance in this account, the funds are debited from your Euro current account or from the foreign currency current account that holds the highest balance.
Yes, you can use your card wherever Mastercard is accepted. You can also open and fund accounts in multiple currencies; this will enable you to buy the currency you need ahead of time.
Yes, you can make a payment online with both your physical and virtual cards. You might receive a notification on your Mobile app requesting you to authorise the payment being made. If you do not find the automatic pop-up upon logging into the app, you may find the authorisation request in the “More” tab and you would need to choose “Authorisations“. Alternatively, you might be redirected to the MeDirect private website to authorise the payment being made.
The default settings on your card allow you to make purchases of up to €5,000 per day. The withdrawal limit from ATMs is €1,000 per day; charges may apply as per our tariffs and charges schedule that can be found here. Contactless payments which do not require a PIN are limited to €50 per transaction. As a security feature you will be required to use your PIN when you complete a total of €100 in successive contactless transactions.
While you can not set limits which are higher than these, it is possible to adjust and manage you card limits through our online platform or mobile app:
These limits can be adjusted whenever you want, up to the maximums indicated above
Withdrawing cash from an ATM using your MeDirect card is free of charge for the first €350 per month. After this limit is reached, a fee is charged as per our tariffs and charges, which can be found here.
Yes, the physical card supports contactless transactions. The contactless feature will be activated automatically after the first transaction at an ATM or point-of-sale (POS) terminal.
The most common causes for contactless not working are, either you haven’t activated your contactless feature, or you have exceeded your contactless limit. To activate/reset the contactless function, use your card at an ATM or a point-of-sale (POS) terminal.
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We strive to ensure a streamlined account opening process, via a structured and clear set of requirements and personalised assistance during the initial communication stages. If you are interested in opening a corporate account with MeDirect, please complete an Account Opening Information Questionnaire and send it to corporate@medirect.com.mt.
For a comprehensive list of documentation required to open a corporate account please contact us by email at corporate@medirect.com.mt or by phone on (+356) 2557 4444.