Online Lending FAQs

ANS: A self-service electronic loan application platform accessible via the Tisa Internet Banking portal.

Contributing Members who have no existing loans with Tisa.

Minimum: K200.00 - Maximum: K25, 000.00.

Approval loan proceeds will only be paid to your Yumi Account for you to access using your Yumicard. You will therefore be required to open a Yumi Account for you to access using your Yumicard. You will therefore be required to open a Yumi Account before you can apply for a Loan online.

48 hours (with the exception of weekends). There is also a dependency on your ability to provide the supporting requirements promptly.

Mobile Phone (iOS/Android), Tablet, Computer or Laptop.

No additional fees are charged for this service apart from the existing loan processing fee of K25.00.

No, you cannot apply for a top-up using the online lending application. But you can visit our Branches and submit a manual application for a top-up loan.

Your loan repayment will be deducted from your salary commencing on the first payday after the loan disbursement.

The Online Lending Privacy Notice (link to Privacy Notice) specifies the manner in which your personal data and other information may be collected, received, stored, processed, disclosed, transferred, dealt with or otherwise handled by Tisa.

You can apply for another loan after you pay off your existing one. However, you may visit our branches to enquire about a top-up loan.

Tip 01: Apply only if you are a contributing Member with NO existing loan with Tisa.

Tip 02: Apply only if you are within the age range of 18-65 and have stable employment for more than a year.

Tip 03: It is a prerequisite that you collect all necessary requirements (listed below) before you apply online.

Tip 04: Ensure full and accurate completion of the electronic loan application using correct data sourced from current pay slip and statements from other banks and financial institutions.

Tip 05: You can SAVE the application partway through and log out from Internet Banking. When you next log in, you can access that saved application which will be listed within the loans window with status ‘Not yet submitted’.

Tip 06: If your online loan application passes the pre-qualification check, then immediately scan and email all the necessary requirements to

Tip 07: Relating to Tip 07, your email subject header should follow the syntax: “Online Loan: <File/Client #> <Full name>”. For example: “Online Loan: 12345 Joe Blow”.

Tip 08: Supporting requirements for a Fully Secured Loan (amount within your savings balance):

-2x Pay slip (last 2 pays)

-Photo Identification (e.g. employment ID, Driving license, passport, NID)

-Irrevocable Authority to Deduct (template available on Tisa website)

-Bank Account Nomination form (template available on Tisa website)

Tip 09: Supporting requirements for an Unsecured Loan are:

-2x Pay slip (last 2 pays).

-Photo Identification (e.g. employment ID, Driving license, passport, NID).

-Irrevocable Authority to Deduct (template available on Tisa website).

-Employment contract/confirmation (current).

-Bank statement (of your salary account).

-Superfund statement(s).

-Statement of existing debts with other banks/LFIs.

-Bank Account Nomination form (template available on Tisa website).

Tip 10: If your loan is approved then you will be required to physically visit the nearest branch to sign the loan contract before the funds will be disbursed into your account. This will be communicated to you via email or phone.

Tip 11: Relating to Tip 10, you are not required to join the queue at the branch. You can walk right up to the counter and ask for the Branch Manager or the Online Lending Representative.

Tip 12: For approved loan applications, the applicant is required to provide a copy of the Data Input printout to confirm that the Irrevocable Authority to Deduct form has been actioned by their salaries/payroll section.

Tip: 13: Approved loan proceeds will only be paid into the respective clients’ Yumi Account for you to access your funds using your Yumi Card. You will therefore be required to open a Yumi Account before you can apply for a Loan online.

Tip 14: If your loan application fails to meet the Pre-qualification criteria then you may contact our Call center on 3002200 or 79987200 or visit the nearest branch to have your loan application manually assessed.

YumiCard FAQs

A YumiCard is a domestic debit card linked to the TISA YumiAccount. The YumiCard allows you to safely and conveniently access money deposited in your YumiAccount 24/7.

The YumiCard can be used at any BSP ATM and EFTPOS terminals throughout PNG.

To apply for a YumiCard you need to be aged 18 years or over and be a member of TISA.

You can apply for YumiCard at any TISA branch.

Your YumiCard will be linked to your S1 Account or YumiAccount.

Your card will normally be available in the branch where you apply for it within 10 working days from the day the respective branch created the card request.

Your YumiCard and a PIN will be delivered to the TISA branch where you have opened your personal account. You will need to pick up your card and pin at the branch.

PIN (Personal Identification Number) is a unique 4 digit number, generated specifically for your YumiCard. It is used to approve and secure every transaction done by your card. It is a kind of electronic signature. The number is given to the cardholder and should be known only to the cardholder.

For all fees relating to your YumiCard (transactions’ fees, card/PIN fees (i.e.) application for -lost/stolen card, replacement PIN, damaged card and retained card fee) please refer to our current Personal Fees and Charges. Please, visit our website (TISA Homepage _fees and charges).

You can use your YumiCard to:
• Purchases goods and services locally
• Check your account balance,
• Withdraw cash from ATMs, and
• Change your PIN number at an ATM

With your YumiCard you can purchase goods and services at any BSP EFTPOS Merchants in PNG that accepts the YumiCard. Each time you make a purchase at an EFTPOS terminal remember to select “Savings” account.

Insert your YumiCard into the ATM followed by the PIN and follow the screen prompts to select your required account and service.

No. Your YumiCard is a domestic card and it can be used only in PNG.

To check transaction limits on your card please contact our Customer Service Centre on 300 2345 (24 hours, 7 days per week). Or Visit our TISA Website – to view the TISA YumiCard features. Daily ATM withdrawal is K2,000 per day subject to Account Balance and Daily EFTPOS transaction limit is K15,000 per day.

All transactions made with your YumiCard are recorded on your YumiAccount statement. You can visit your nearest branch to obtain your account statement or view it online, if you are registered for internet banking.

If you dispute a transaction in your account statement connected with your YumiCard transactions please report the matter immediately to your nearest TISA branch or to our Customer Service on 300 2345. To dispute a transaction on your Card you need to complete the Transaction Dispute Form and return it to a TISA branch with original receipts as soon as you notice an issue. In order to confirm statement entries, retain all your sales slips and printed receipts. This will help you keep a record of all your transactions.

Your transaction will be declined if you do not have sufficient funds in your YumiAccount.

If your YumiCard is not working you need to contact our Customer Service Centre on 300 2345 to report the problem. If we are unable to resolve it for you, it will be necessary to contact your TISA branch to receive a replacement card.

If you have forgotten your PIN, please contact your TISA branch to request a new card and a new PIN.

In case you lose your card or it is stolen you need to contact us immediately. You can call Customer Service Centre or visit your nearest TISA branch to cancel/block your card (for security reasons).

Immediately report your lost or stolen card to our Customer Service Centre (phone: 300 2345) or visit any TISA branch. You can also contact us via email

If you think someone has unauthorised use of your YumiCard and PIN you should contact our Customer Service Centre immediately on 300 2345. We will stop your card for security reasons. To request a replacement card you will need to contact your TISA branch.

Should you wish to change the name that appears on your card i.e. due to marriage or legal name change please contact our Customer Service Centre on 300 2345 or your nearest TISA branch for a replacement. A replacement fee will apply.

Transaction fees will be charged in bulk to your account at the finish/end of the day.

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