Scratch & Win

Send money through Joyalukkas Exchange, scratch and win exciting prizes for more than 50,000 winners. Win an iPhone 14 for Mobile App Transaction, Win a Gold Coins and Win a Car for the Grand Draw.

All valid send money transactions from the Joyalukkas Exchange Branch or Mobile App

Online transactions using Joyalukkas Exchange Mobile App will be entitled to (2) two entries in the Electronic Raffle draw for 3 winners of iPhone 14

Scratch Coupon (back side) will serve as the Raffle Coupon for the Grand Draw

Joyalukkas Exchange reserves the right to request proof of identity and the original receipt of the winning transaction from the winners, at the time of claiming the prizes

The gift cannot be exchanged for cash at any Joyalukkas Exchange Branch

Any cancel or refund transactions will not be included with the raffle

All branch raffle entry coupons must be submitted to Head Office on 1st May 2023

All prizes must be claimed before the 4th of July 2023

The grand draw prize winners will be officially contacted by authorized staff of Joyalukkas Exchange on the same day, using the customer information provided on raffle coupon and their transaction receipt

Joyalukkas Exchange will never ask customers their personal identification numbers, bank account details and other important documents or request the winners to pay any charges for claiming the prizes

Unless and otherwise advised each winner agrees that upon entering the promotion, Joyalukkas Exchange may use their information in any media for future promotional, marketing and publicity purposes, without any further reference, payment or other compensation

Joyalukkas Exchange employees are not eligible to participate in the promotion