How to top up your Cashplus prepaid cardYour 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.
Some FREE ways to top up your Cashplus prepaid card:
You need a Total Access account before you can top up using a bank, or by wages payment. With a Payroll Access account, your employer will be able to pay your salary into your account.
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 per day | Top up fee |
|---|---|---|---|
| Wages deposit | £10 | £5,000 | FREE |
| Bank transfer | £10 | £5,000 | FREE |
| Standing order | £10 | £5,000 | FREE |
| Cashplus store | £10 | £5,000 | FREE |
| Post Office | £10 | £500 | FREE |
| epay outlet | £10 | £150 | £3.00 (charged by the outlet) |
You need a Total Access account before you can top up using a bank, or by wages payment. With a Payroll Access account, your employer will be able to pay your salary into your 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 |
†Funds should be available the same business day if top up payment is received before 3:30pm through any of the following banks who provide a Faster Payment Service (see the UK payments administration website for full details): Barclays, HBOS, HSBC, RBS, NatWest, Lloyds TSB, Alliance & Leicester, Co-operative Bank, National Australia Bank, Clydesdale, Danske, Nationwide, Santander. If the top up payment is received after 3:30pm from a bank with a Faster Payments Service, the money will be loaded the next day. We will text to confirm when funds are available.
If your bank doesn't use the Faster Payments Service, or 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. If you have Payroll Access, your employer may be able to pay wages too.
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.
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:
You'll find these details in the Members Area on the 'Account Details' page
Yes, and even better it's free of charge! When setting up Direct Debits to be paid from your Cashplus Account, please use the following details:
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'.