Missionary Support Cards

Last Updated: 28 September 2017 at 10:58

Policy and Principle

Use funds from the mission for rent, groceries, personal grooming items, laundry, cleaning supplies, haircuts, postage for weekly letters to family, fast offerings, and transportation. Any funds remaining after these expenses should be returned to the mission. Do not save money received from the mission from month to month to purchase personal items, such as clothing, cameras, or souvenirs.

See the Missionary Handbook (2006), pages 43–45.


Missionary Weekly Emails

Missionaries receive an email every Friday with their card balance and recent transactions to help them budget.

Chip and PIN Cards

Chip and PIN cards are issued in some international missions. The chip should be used at all merchants who accept them to ensure a secure transaction.

New Missionary Card Distribution

Missionaries should receive their MSF card at the MTC they attend. The cards will be active. When missionaries arrive, they will need to be given their PIN and instructed on how to use the card. Click here for a handout of instructions you may give to the missionaries regarding using their card. Notify Global Card Services if a new missionary needs a card.


Funds are loaded onto the cards based on instructions from iMOS. It will take one to two business days for funds to post to the card. Negative payments will not post until the next time the card is funded. In missions where monthly support is processed automatically, missionaries assigned to a mission temporarily will not be funded automatically. Financial secretaries need to fund these missionaries’ cards manually using one-time payments. For help with funding or iMOS, contact Mission Support. When a missionary is released, the funds are automatically removed from the card and it is closed the following week.

View MSF Card Status and Transactions

CARD allows the mission financial secretary to view the transactions and current balance on all MSF cards in his assigned mission. CARD will also indicate if the MSF card has been activated or not by showing the card status and the last four numbers of the missionary’s current card. The data will be accurate up to the previous business day. (View instructions for using CARD to view MSF Card Status and Transactions.)

Personal Identification Number (PIN)

Using an incorrect PIN three times will lock the card. Call Bank of America to reset the PIN; they will need the full 16-digit card number.


If a missionary’s card is declined at a merchant or ATM machine, please verify that there are sufficient funds in CARD. If so, contact Bank of America to determine why the card was declined and resolve the issue.


When a transaction is authorized but the good or service is not received or a duplicate charge is identified, contact Bank of America to file a dispute. A common case is when a card is charged at an ATM but the money is not received or is partially received.


If a transaction is identified that was not made by the cardholder, contact Bank of America. They will close the card and issue a replacement. The stolen funds are added back to the card within two business days.

Lost or Stolen

If a card is reported lost or stolen, contact Bank of America. They will close the card and order a new one. Money from the old card will transfer to the new one, minus the US$15 replacement fee. If there is less than US$15 on the card, the remaining balance will be taken. New cards take two to three weeks to reach the mission office. If the missionary needs money while waiting for the replacement, remove funds from his or her card and add funds to the companion’s card in iMOS. Contact Mission Support for help with funding or iMOS.

Withdrawals and Fees

Whenever possible, use the card directly at the merchant to make a purchase, rather than withdrawing the entire monthly allotment in cash. If cash is needed, getting cash back at a merchant is the cheapest way to withdraw cash. This does not incur any fees in the United States and incurs only a 1 percent international transaction fee outside of the United States. Bank of America charges US$2.25 for every ATM withdrawal, plus 1 percent of the transaction if outside the United States. The local bank will also have a fee for using their ATM that will vary by bank and location.

Use ATMs at these banks to avoid the US$2.25 fee.


BNP Paribas



Australia, New Zealand:

Westpac Bank





Mainland China:

China Constructions Bank

United Kingdom:



BNL d’Italia

Canada, Peru, Chile, Caribbean:


United States:

Bank of America

South Africa:


Germany, Spain:

Deutsche Bank