How to top up your Cashplus prepaid card
Your new card is a prepaid Gold MasterCard® card, so just load money onto it before you use it. There are five quick and easy ways to top up your account at over 12,500 free locations.
How do I top up my Cashplus prepaid card?
Some FREE ways to top up your Cashplus prepaid card:
- With your wages - Your employer can pay your salary direct into your account*
- From a Bank – Transfer money onto your Cashplus prepaid card by phone or internet banking or by Standing Order*
- At Cashplus stores – there are currently over 1,600 branches
- At the Post Office® – at any of the 12,000 UK Post Office branches
You need a Total Access account before you can top up using a bank, or by wages payment.
How much can I top up per day?
The minimum amount you’ll need to top up your Cashplus prepaid MasterCard card is £10.00.
With a Total Access account, the maximum amount per day that you can top up is £5,000 up to your £5,000 maximum balance limit.
If you have an Express Access account, the maximum that you can top up within 12 months is £2,000. After that you’ll need to upgrade your prepaid MasterCard card before you top up again.
| Top up method | Top up minimum per transaction | Top up maximum |
|---|---|---|
| Wages deposit | £10 | £5,000 (per day) |
| Bank transfer | £10 | £5,000 (per day) |
| Standing order | £10 | £5,000 (per day) |
| Cashplus store | £10 | £5,000 (per day) |
| Post Office | £10 | £500 (per transaction) |
| epay outlet | £10 | £150 (per transaction) |
You need a Total Access account before you can top up using a bank, or by wages payment.
How long will my top up take to appear in my account?
It depends on how you top up your account:
| Top up method | Top up fee | Time till funds are available | Confirmation |
|---|---|---|---|
| Wages deposit | FREE | 3-5 business days (via BACs) | Text confirmation when loaded |
| Bank transfer | FREE | Same day† | Text confirmation when loaded |
| Standing order | FREE | Same day† | Text confirmation when loaded |
| Cashplus store | FREE | Typically 15 mins | Check the receipt for confirmation |
| Post Office | FREE | 1-2 business days | Text confirmation when loaded |
| epay outlet | £3.00 | Typically 30 mins | Check the receipt for confirmation |
†For top up payments we receive before 3:30pm (Monday-Friday), the money will be loaded the same day. For top up payments we receive after 3:30pm, any payment made over the weekend or on a bank holiday, the money will be loaded the next business day. We’ll text you to confirm when your funds are available.
Exceptions
If the money is sent via BACs, it should arrive on the third working day. Once we receive the money, we’ll get it into your account and available to spend the same date it arrives.
Top ups by bank transfer, Standing Order or wage deposit are not available without Total Access.
How will I know when a top up is available on my account?
You will receive a text message when you top up by wage deposit, Standing Order, bank transfer or at a Post Office® branch. Updating your mobile number is easy in the Cashplus Members’ Area.
A top up hasn’t reached my Cashplus Account, what should I do?
We’ll send you a text message when your payment reaches us, if you’ve topped up by bank transfer, through the Post Office or by a wages payment.
If you believe a top up payment hasn’t reached your account within the timeframes shown above, have your card to hand, the payment amount, payment reference and the date the payment was made. Then either:
- Go to the Members’ Area and fill out a missing top up form, or contact Customer Services.
Where can I find my Cashplus Sort Code and Cashplus Account Number?
You’ll find these details in the Members’ Area on the ’Account Details‘ page
Can I set up Direct Debits using my Cashplus Sort Code and Cashplus Account Number?
Yes. When setting up Direct Debits to be paid from your Cashplus Account, please use the following details:
- The unique Cashplus Account Number (if you’re an existing customer, you’ll find this in the Members’ Area, under ’Account Details‘. If you’re about to apply for a Cashplus card, once the Account’s set up we’ll send the Account details out via an email)
- The Cashplus Sort Code: (08-71-99)
- If you’re asked for ’Bank name‘ please use: APS Financial Ltd
- If ’Bank address‘ is required please use: PO Box 52768, London, EC3P 3WR
Once a Direct Debit is set up, we’ll send you confirmation via email. For more information on our Direct Debit service please see our Direct Debit FAQs page.
Please note that to take advantage of our Direct Debit service, you must have a Total Access Account, so if you have an Express Access Account, you’ll need to upgrade, then you’ll be able to enjoy all our valuable Cashplus features.
To see whether you have a Total or Express Access Account, please visit the Members’ Area and select ’Account details‘.