First Citizens Bank Cuts Foreign Exchange Limit On Credit Cards To US $2,000/Month

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First Citizens Bank (FCB) has announced a reduction of foreign exchange limit on credit cards, effective from 10th March, 2026 — becoming the latest bank to make the move due to the ongoing foreign exchange shortage affecting Trinidad and Tobago.

In a recent email sent to customers, the bank stated that the new limit on its Mastercard Standard credit card had been reduced from US $6,000 to US $2,000.

According to the email, “Please be advised that effective March 10, 2026, there will be an adjustment to the US$ limit on our Mastercard Standard credit card. Your maximum US$ spend on this card will be USD $2,000.00 per month.”

The bank further advised that the amended per cycle US$ spending limit will only apply to the international transactions of its customers, both online and in-person.

However, it stated that TT$ credit limits would not change by this adjustment.

This announcement came just under two (2) weeks since JMMB halved the monthly US dollar spending limit to US $100 for its Classic debit card holders. That change took effect on 1st February, 2026.

Since 2023, several banks have announced reductions in credit card limits in response to the foreign exchange shortages being experienced in the country.

Last August, Republic Bank Limited (RBL) said the maximum US dollar spending limit per billing cycle on Republic Bank credit cards would be reduced to US $2,500 or the US$ credit limit of the account, if less than US $2,500.

More on this as it becomes available. 

[Source: T&T Guardian]

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