There are no charges for JAM-DEX transactions.

Yes. We have a few limits for our fast, safe and secure cash-in, cash-out and transfer features. For cashing in, limits are $50,000 daily from a bank account, and $50,000 monthly from a debit/credit card. For cashing out, limit is $100,000 daily for a bank account. For transferring to another Lynk user, limit is $100,000 daily. New limits are coming soon to give you even more spending power.

Yes you can.

You can send money instantly - all day, everyday - to any person or business that has a Lynk account. To top it off, all Lynk-to-Lynk transfers are free! So if you know someone who does not have a Lynk account, refer them to Lynk using your referral code and both of you will earn $250 each! It only takes 5 minutes download, sign-up and #JoinTheLynk.

Not at the moment, but we are working on it. Until then it takes 5 minutes for a friend to join.

Currently, Lynk cannot facilitate cross-border transfers and payments. But we are always listening to our users and are working to build this feature very soon, so stay tuned!

1. On the home screen, click the arrow in the top right corner of the widget(in blue) to view balances in all currencies. 2. Your balances appear showing both JMD and JAM-DEX balances. 3. Select JAM-DEX To view yourJAM-DEX transaction history. Note: The transaction list seen on the homescreen does not include JAM-DEX.

No! No bank account or anything else is needed to use Lynk. As long as you have a smartphone, you can Lynk. A bank account will improve your Lynk experience as you'll be able to connect it to your Lynk account to move money at lightning speed to and from it, but again, you do not need a bank account to use Lynk.

Lynk does not charge you to use our bill payment service.

Your ID is safely stored on our servers to verify your account. Should you forgot your PIN or need to re-verify your account, we use it to confirm your identity.

No bank account is needed to use Lynk! Very soon we are adding an option to cash-out by using any of NCB’s approximately180 iABMs islandwide. Users will not need a bank card to access the iABMs and they can retrieve physical cash for free by following very simple on screen instructions!

To convert you JAM-DEX to cash you will fist need to convert to JMD within the app by following these steps then cash out to your linked bank account as usual.Steps: 1. Click “More” on the home page and select “Exchange” 2. Enter the amount to convert and swipe up to submit 3. Go back to the home page, and click “More” in the bottom right and click “Cash out” Select the amount you would like to transfer to the account connected to your Lynk account

Similar to your regular JMD wallet, you can transfer JAM-DEX to other Lynk wallet holders with JAM-DEX accounts or spend your JAM-DEX dollars with Lynk merchants. To pay bills or purchase mobile top up from your JAM-DEX balance, follow these steps to convert your JAM-DEX to JMD and complete your transaction. Steps 1. Click “More” on the home page and select “Exchange” 2. Enter the amount to convert and swipe up to submit 3. Go back to the home page, and click “More” in the bottom right 4. Click “Top Up” if you’d like to send credit, or “BillPay” if you’d like to pay a bill 5. Select any mobile number or one of our 100+ billers, enter your details, and send your funds instantly!

Similar to your regular Lynk wallet with JMD, you will also be able to transfer or spend your Jam-Dex dollars once deposited by the BoJ. To make a Jam-Dex transaction, both parties need to have Jam-Dex accounts.

We automatically created your username from the information on your ID. Each @username is unique, so if your name was already taken, we've added a number to it to keep you special. If you'd like to change your @username, you can do it once.

Adding money to your Lynk account is simple and we're always adding more options. Currently you can receive or request money from other Lynk users, transfer funds to Lynk from a connected NCB bank account or from any credit/debit card to your lynk account. Soon you'll also be able to deposit funds at select NCB iABMs and we are working on rolling out to other bank accounts.

Lynk payments take place in real time and cannot be cancelled once a payment is initiated. This means all payments are final and cannot be refunded. If you make a mistake in the payment, please contact the biller directly.

Simply transfer your funds to the bank account connected to your Lynk account.

To cash-out, there are also very simple options. You can either: ● Cash-out to your NCB bank account ● Transfer funds to any other local bank account ● Coming soon - NCB iABMs for users without a bank account. They can access the iABM without the use of a debit card to retrieve physical cashfrom the wallet

When you signed up you got a unique @username assigned to you based on your full name. You can change it to something else, but only once, and only before you started sending or receiving money, to ensure users establish a trusted identity on Lynk. To change your @username, find the "Change Username" card on the home screen of the app, or go to your User Profile and change it in the "Personal Info" section.

Once you are signed in you can change your PIN in the User Profile section: 1) Just click on “Profile” on the lower navigation bar and look for the "Security" section. 2) Select "Update PIN" to change your PIN and follow the instructions on the screen. Don't choose a PIN that will be easy for others to figure out. Avoid predictable PINs like your birthday or a part of your phone number, and remember you can't use a PIN that's a sequence (like 123456) or has 3 repeating digits (like 111234, or 000000).

You can check the status of your transaction by going to ‘transaction history’ then clicking on the transaction to view the transaction details. You will see a ‘failed’ status if the transaction was not successful.

Our current options include: 1. Scanning the merchant’s QR Code if it is on display and send the funds to them. You can also scan their code from their Lynk app. OR 2. You can have the merchant send you a payment request if they do not have a QR code visible at their business. OR 3. Selecting the “Transfer” button on the home screen and search for the user. You can do so by either searching for their name, username, or phone number.

From the homepage, click ‘more’. In our list of features you will find ‘Bill payment’. From there, follow the on-screen instructions to set up your bill payment details

At the bottom right side of the Lynk home screen, you will see a "Pay with QR" button. Go ahead and tap that button. Point your phone at a Lynk QR code of any user or merchant and we'll do the rest. Each QR code is unique, so as soon as it's scanned, you'll see the transfer screen with the user whose QR code you scanned, selected as the recipient. At this point, all that is missing is to enter the amount and swipe up to confirm.

To re-add your card, you will need complete the card registration process to confirm that you are the owner of the card being added to Lynk. This process is done in a few quick steps: 1. Select the card type you wish to connect to Lynk (Credit/Debit) and enter the card information. 2. As an extra security feature, we will charge a small REFUNDABLE amount to your card for confirmation. 3. Check your credit/debit card records to confirm the charge using your online banking platform or contacting your card issuer’s customer care centre. 4. Once the charge is confirmed, return to the app and go to the add credit/debit section to record the amount charged and your card will be added to your Lynk wallet.

We've made it as easy as: 1) Tapping "Transfer" on the home screen 2) Tapping "Ask" at the top of the transaction screen 3) Searching for, or selecting a contact 4) Typing in the amount you'd like to request and swiping up to send. If this is your first transfer we'll ask for permission to sync your contact list with the app so that we can show all of your friends in the app for easy interaction and to invite those who have not yet joined.

Verify that the recipient has a JAM-DEX account then follow these steps: 1. Before opening your Lynk App, save the recipient as a contact on your phone and allow Lynk to access your contacts. 2. Open your Lynk app, on the homepage click “Send/Ask” 3. Select “JAM-DEX” from the account list. 4. Search for your recipient byname or phone number. 5. Enter the amount and swipe up to send.

We've made sending money easy: 1) Select a recipient from your contact list, scan a Lynk user's QR code, or search for the Lynk user you want to send money to, 2) Type in the amount, and swipe up to send! You can search for Lynk users by their phone number, name or their @username.

Signing up for Lynk is easy and takes less than five minutes. Step 1: Download Lynk to your smartphone. Step 2: Verify your identity with yourDriver’s License, Passport, or National ID. Step 3: Connect your NCB bank account or anylocal credit card or debit card to deposit your money into your Lynk account. Step 4: Send and receive money with Lynk! If you do not have a bank account, you can still use Lynk by either receiving money from other Lynk users or getting paid$250 to your Lynk account for each friend you refer.

Easy! If someone sent you money, you immediately get a notification. You won’t need to ask for proof of payment, screenshots or anything else anyone.‍ That's right, we do all the heavy lifting! You can track every transaction you've made in Lynk in your activity history.

We have provided several options for our Lynkies to cash-in and use Lynk every day.● Got an NCB account? Connect it to your Lynk wallet to enjoy a simple cash-in option● You can also cash-in by using any local credit or debit card that is Mastercard or Visa enabled● Soon we will also be adding NCBi ABMs that will allow persons without bank accounts to also add money to their Lynk wallets. They can access the iABM without the use of a debit card to add money to the wallet

CBDC is stored in a CBDC digital wallet, similar to how you have JMD in your regular Lynk wallet. Like with cash in your wallet, you don’t earn interest on the balance in your CBDC wallet. CBDC will be able to be exchanged 1-for-1 with JMD in your Lynk account.‍

Lynk is an easier cash-free solution to your money. We do all the heavy lifting! You can track every transaction you’ve made in Lynk in your activity history.

The app in its current form is primarily for consumers but small businesses who do not have a business bank account can also benefit from the app and start accepting cashless transactions. We are however working on an app specifically for merchants that will be packed with a feature filled merchant portal that will include several reports to help manage their business.‍

Lynk is pioneering financial inclusion through the creation of our digital wallet app and our very simple sign-up process which only requires users to have one government issued ID, a smartphone and a face - things that almost every Jamaican over 18 years old already have. We provide several cash-in and cash-out options to either add or remove money from the wallet but better yet, all Lynk-to-Lynk transactions are FREE!

Your payment will be reflected with your bill provider within 24 hours. If you’re not seeing an updated account, please contact your biller.

The length of time depends on the time it takes for your bank to receive and apply charges. However, as soon as you confirm the amount charged to your card, the process will be completed instantly.

Lynk uses cutting edge encryption, multi-factor authentication and the latest fraud prevention technology to make sure your data and money are always safe. ‍

The first 100,000 Jamaicans establishing Central Bank Digital Currency wallets will receive a $2,500 deposit from the Government at a future date.

Our security enhancement upgrades require users to re-add and register their cards to ensure accuracy and confirm your identity

Yes! All Lynk users will be automatically put in line to be one of the first 100,000 users of a digital wallet and therefore be eligible for the Jam-Dex $2,500 incentive.

● Lynk is accessible: Lynk puts financial services into the hands of everyday Jamaicans where enhanced account opening requires only an ID and a face (as opposed to rigorous documentation or proofof steady income)● Lynk is convenient: Lynk is fast and easy – it allows for instantaneous money transfer with the push of a button. It widens the possibilities and brings even more convenience to the Jamaican public as it continues to expand its features towards the vision of becoming a financial super app● Security: Lynk minimizes an individual’s reliance on cash, thereby reducing the risks that come with handling money —such as loss, fraud, health concerns and theft● Financial inclusion: With its simple sign-up procedure, Lynk is also focused on supporting the unbanked and underbanked community to help this segment of the population benefit from a broader rangeof financial services, which could also include cheaper loans.‍

JAM-DEX (JamaicaDigital Exchange) is not a cryptocurrency as it is issued and regulated by the BoJ, whereas cryptocurrency is privately issued and not backed or regulated by a central authority such as a central bank.

Yes. Lynk is approved for testing by the Bank of Jamaica (BoJ) and as such we are operating within specific guidelines to protect our customers.

Yes. In order to sign up to use Lynk, you must be at least 18 years old, have a smartphone and a valid Jamaican government issued ID.

Lynk is a subsidiary of the NCB Financial Group, but it also stands as its own single entity. As an NCB customer, you have added benefits when using Lynk however, Lynk is accessible to every Jamaican - even those without bank accounts.

Yes. The random charge is 100% refundable and will be returned after the card registration process is completed.

Yes. The random card registration charge is 100% refundable and will be returned after the card registration process is completed

At this time we are waiving any fees associated with cashing in on Lynk.

You can report the problem on your transaction history or reach out to Lynk customer support for assistance at help@lynk.us.

You can use your wallet to transfer money to other Lynkies or pay for your purchases at any of merchants island wide. Lynk also allows users to cash-in via an NCB bank account or any local debit or credit card that is Mastercard or Visa enabled. Payments within Lynk are instant – all day, every day!

Currently, with Lynk you can: 1. Send and receive money from anyone with a Lynk wallet for free 2. Make payments for goods and services at any of our verified businesses islandwide, for free 3. Coming soon - you will be able to make bill payments and purchase call and data credit as well as many other features that will help to turn Lynk into your favourite and most used smartphone app! ‍

Just your smartphone. Yes, really. You don’t need any bank account, credit or debit cards to get started. No more long lines, or complicated sign up process, all you need to Lynk with us is a smartphone.

Cashless economy is one where transactions ared one using digital payment options such as a digital wallet, digital currency such as Jam-Dex and debit or credit cards - all instead of using cash.‍This opens up opportunities for faster, safer and easier transactions - all day, every day and from anywhere.

Card registration is the process of confirming that you are the owner of the card being added to Lynk. This process is done in a few quick steps: 1. Select the card type (Credit/Debit) you wish to connect to Lynk and enter the card information. 2. We will charge a random REFUNDABLE amount to your card. 3. You will check your credit card records by using online banking or contacting your card issuer’s customer care center. 4. You then confirm the random amount to us and ka-ching, your card is added to your Lynk wallet.

No transaction fees, no hidden costs. Whether you're sending or requesting money from friends and family, Lynk is 100% free to use for your personal needs.

Your bill account number is generated by the provider for their billing purposes and identifies your account with that provider. Different billers place the account number in different places; in some cases, you'll see your account number right before your account name. Learn More here.

Do you not have enough money in your Lynk account? No worries. You can connect your bank account to your Lynk account and top up instantaneously. If you do not have a bank account, you could reach out to a friend or family (who also has lynk) and ask for some money to help make your purchase. We are always looking into easier and more accessible ways for you to add money to your Lynk account. Soon you'll also be able to deposit money at selected ABMs and through your debit and credit cards.

No worries, we all forget things sometimes. Simply: 1) Head to the home screen page on the app. 2) Click on the "Forgot your PIN" button that is above the “Sign In” button. 3) You'll have to confirm your identity and you'll be able to reset your PIN.If your phone has a fingerprint or face scanning feature, you can activate them on your Security settings so you don't need to remember your PIN.

CBDC stands for Central Bank Digital Currency and is money issued by BoJ in digital form. CBDC is not a cryptocurrency asCBDC is issued and regulated by the BoJ, whereas cryptocurrency is privately issued and not backed or regulated by a central authority such as a central bank. Jamaica’s CBDC is called Jamaica Digital Exchange (Jam-Dex).

Jam-Dex is Jamaica’s very own digital currency, issued and regulated by the Bank of Jamaica. It will be launched on April 1st, 2022.

Lynk is a digital wallet for Jamaicans. It is THE fast and easy way to safely send and receive money using your smartphone (either with another person, or with as mall business). As long as you have a phone, you can Lynk!

It is just like your wallet, only digital. It is a smartphone application which allows users to store and use currency. Everything in the palm of your hands – your money, your cards, regular day-to-day transactions, all done via the Lynk app on your smartphone. A cash free life at your fingertips. You can cash-in to fund your digital wallet by transferring money from your bank account, a credit or debit card. There are also cash-out options to your bank account should you need physical cash. And better yet, there are no fees! Very soon, you will be able to make these account transfers via NCB iABMs too. You can use your wallet to transfer money to other accounts or pay for your purchases. *Note that a digital wallet is not a savings account, so you will not earn interest on your balance.

JAM-DEX and JMD are of equal value. (JAM-DEX$1 = JMD$1)

Lynk is the first and only digital wallet inJamaica to integrate Jam-Dex into its platform. Lynk will function as a multi-currency wallet to conduct transactions in both Jamaican dollars andJam-Dex. Once a user has Jam-Dex dollars in the wallet, they will be able to spend it at any of our Lynk verified businesses or any other business that accepts Jam-Dex transactions.

The current weekly transaction limit is $175,000.00 and we are working on increasing that soon while keeping with the Bank of Jamaica regulations.

As of April 1st, the first 100,000 fully onboarded Lynk users benefit from the Jam-Dex $2500 incentive offer by the G0J, however, users won’t see the Jam-Dex account in their Lynk wallet until May. At this point, users will see their Jamaica dollar balance and their Jam-Dex $2500balance in the app.

The bill account number should be on the bill, statement, or invoice you receive from the company you want to pay. If you can’t find your account number, please reach out to your provider for assistance or click on the button below to view the various bill account format.

You can check your inbox or your spam folder for an email from us (mailto:no-reply@lynk.us). If you haven't heard from us, then send an email to mailto:help@lynk.us so that we can assist.

You can use Lynk to make purchases at any of our verified businesses, split a bill, or send and receive money from friends and family for free - all day, everyday.

We are rolling out the service to bill providers and, while we have already onboarded many local billers, some billers might not be included in Lynk yet. We're trying hard to include more bill providers.

We ask you to take a video selfie so we can compare it to the ID you choose to use for your verification. Video allows us to verify your identity and is another method that we have in place to further help us to safeguard you and your funds from potential fraudulent activity.

We ask you take a video selfie so we can compare it to the ID you choose to use for your verification.

We take security very seriously here at Lynk and this includes us checking to see who is doing business with us.

With our commitment to continually protect our customers and provide the best security features, we are always adding enhancements to our security offering to keep you and your funds safe. Our latest improvement sees us including a card registration feature to better protect you from any fraudulent activity.

Lynk is currently the only digital wallet that supports Jam-Dex. Once Jam-Dex becomes available in the wallet, our Lynkies will be able to use Lynk to pay at verified businesses and make transactions with their friends and family.

No transaction fees, no hidden costs. Whether you're sending or requesting money from friends and family or making a purchase at any of our verified businesses, Lynk transactions will always be 100% free.

No, your personal information is secure with Lynk! It is not shared with any third parties or the government. ‍

No. Users Lynk balance will not be taxed. However, when making purchases at businesses, you will have to pay existing GCT just like you do with cash.