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Endcash review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Endcash is a bank-backed multi-currency wallet in Trinidad and Tobago that suits travellers who want a local account for sending money home without a standing charge. Its monthly fee is TTD 0, and it covers 5 currencies with instant wallet to wallet movement.

Key facts

Best for
A multi-currency wallet with no monthly charge for travellers sending money to other wallets.
Monthly fee
TTD 0↗
Currencies
5↗
Free ATM withdrawals
TTD 0↗
Transfer fee
EndCash transfer to bank account or branch TT$10.00; wallet load TT$3.50↗
Legal entity
Republic Bank Limited↗
Headquarters
Trinidad and Tobago↗
Founded
1837↗
Support channels
Email, Phone, Help-centre↗
Audience
Travelers
Pricing model
No monthly fee
Features
Free ATM withdrawals
Official website
republictt.com

Money transfer

Delivery time
Instant wallet-to-wallet; cash-out to bank up to 72 hours↗
Payout methods
Bank, Cash-pickup, Wallet↗
Fee to send 1,000
TTD 0↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInXfacebook.cominstagram.comyoutube.com

Pros and cons

Pros

  • The monthly fee is TTD 0, in line with the site median of €0, so holding the wallet costs nothing.
  • Speed depends on the rail: Instant wallet-to-wallet; cash-out to bank up to 72 hours.
  • Cashing out covers bank, cash pickup and wallet, so a branch cash pickup sits alongside a bank payout.
  • The bank behind the wallet dates back to 1837, so the branch footprint is long established.

Cons

  • Currencies number 5, ranking 156 of 379 brands on that measure.
  • The transfer fee is charged on an Endcash transfer to a bank account or branch and again on a wallet load, so each movement carries a charge.
  • Support runs on email, phone and help centre only, so live chat is not among the routes.
Endcash

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Scored 9.6 / 10 by VaultCue.

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Who it suits

  • Travellers, the audience Endcash names as travelers, who want a local wallet tied to a branch network.
  • Anyone sending money to another wallet, since wallet to wallet movement is instant on Instant wallet-to-wallet; cash-out to bank up to 72 hours.
  • People who want a bank behind the wallet, since the legal entity is Republic Bank Limited.

Who should look elsewhere

  • PayPal Colombia, whose monthly fee is $0 as well, is the one to read if you want a wallet brand rather than a bank account: the legal entity here is Republic Bank Limited.
  • Skrill, at €0 monthly, if your currency list runs past 5.
  • eToro, whose monthly fee of £0 matches TTD 0, for readers who want a different name behind the wallet than Republic Bank Limited.

How Endcash compares

Where Endcash is available

Available
Trinidad and Tobago

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Endcash cost to keep open?+

The monthly fee is TTD 0, so there is no standing charge to hold the wallet, and the free ATM allowance is TTD 0. The site median monthly fee is €0, which puts Endcash with the cheapest accounts on the site rather than above them.

What does it cost to move money with Endcash?+

A wallet load is charged separately from a transfer to a bank account or branch, so both legs of a movement are paid for. The transfer fee itself is listed at TTD 0, so budget for a charge on the load and on the payout.

How fast does money move?+

It depends on the rail you use: Instant wallet-to-wallet; cash-out to bank up to 72 hours. Plan a bank cash-out around the longer window rather than treating every transfer as instant, and check the timing before you promise a same-day payout to someone else.

How do I get my money out?+

You choose the route: bank, cash pickup and wallet covers a bank payout, a cash pickup and another wallet, so cash can go to a branch, into your hand or straight to someone else's wallet. Every route listed is a local one, so check the branch network before you rely on a payout abroad.

How many currencies can the account hold?+

Currencies number 5, which puts Endcash at 156 of 379 brands on that measure. The multi-currency group median is 5, so this is a regional wallet rather than a broad currency locker.

Who runs Endcash?+

The wallet sits with Republic Bank Limited, a bank based in Trinidad and Tobago. That branch structure is why a transfer can go to a bank account or a branch and why cash pickup sits on the payout list: bank, cash pickup and wallet. You are holding a wallet attached to a bank rather than a standalone account.

How do I get help?+

You have email, phone and help centre to work with, so a phone call or an email reaches the bank as well as its help centre. A wallet question can be put in writing through the email channel, while anything urgent on a payout is better raised by phone.

Who is Endcash aimed at?+

The stated audience is travelers, and the account is built around a local multi-currency wallet rather than a broad international one. A visitor who wants branch cash, a bank payout and instant wallet transfers fits the design; a reader after a long currency list or a spread of markets should look further afield.

Sources

  • republictt.com checked September 26, 2026

    Backs: Headquarters

    “Port of Spain, Trinidad and Tobago, September 4, 2026: Republic Financial Holdings Limited (RFHL) has announced a...”

  • republictt.com/about/history-republic-bank checked September 26, 2026

    Backs: Founded

    “Founded in 1837 as Colonial Bank, Republic Bank Limited proudly holds the distinction of being the first commercial bank in Trinidad & Tobago”

  • republictt.com/personal/deposits-investments-rates-charges checked September 26, 2026

    Backs: Free ATM withdrawals, Currencies, Features, Pricing model, Monthly fee

    “There are no charges for use of our Republic Bank Blue Machines (ATMs).”

  • republictt.com/personal/endcash checked September 26, 2026

    Backs: Support channels, Transfer fee

    “You can view our FAQs here for everything you'd need to know. If you have a question you'd like us to answer, send us an email at endcashsupport@rfhl.com using 'FAQs' in your subject line or call...”

  • republictt.com/personal/republicbankvisadebit checked September 26, 2026

    Backs: Audience, Legal entity

    “All Visa Debit Card Transactions completed in a currency other than the currency of the Visa Debit card will be converted and posted to the Account statement in the currency of the Visa Debit card.”

  • endcash.com/home/faq checked September 26, 2026

    Backs: Delivery time, Payout methods, Fee to send 1,000

    “How long do transactions take to process? Wallet to wallet transfers Instantly / Add money instantly / Cash-out up to 72hours”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.

Endcash

Endcash

A multi-currency wallet with no monthly charge for travellers sending money to other wallets.

9.6/10See alternatives