You probably have our feature-packed Total Access account, but if we can’t verify your name and address, we’re legally obliged to limit your card’s functions to start with by setting you up with an Express Account.
With Total Access you can enjoy all our Cashplus benefits. Express Access is a more basic account that can only be used for shopping and up to £800 of cash withdrawals per year, until we’re able to unlock your account by verifying your details.
We let you know which account you have by email and by letter when you received your Cashplus prepaid Gold MasterCard®.
You can also tell if you have Total Access if:
It’s well worth upgrading your account to Total Access: Close this table
|Express access||Total access|
|Maximum top up||£2,000||£5,000|
|Maximum annual top up/spend||£2,000||Unlimited|
|Maximum spend per transaction||£800||Available balance|
|Maximum ATM withdrawals per day||£250||£500|
|Maximum ATM withdrawals per year||£800||Unlimited|
|Maximum additional cards||4|
|Top up: bank transfer|
|Top up: wages payment|
|Top up: Post Office or retail outlets|
Please login at the Members Area, then select ‘upgrade card’ to see what you need to send to us.
Find out which documents you need to provide Close
If we just need to verify your identity, you’ll need to provide:
If we need to verify your identity and your address, you have two options. Either send:
Some important things to consider:
|A. Proof of identity: CERTIFIED copy (NOT Originals):||B. Proof of address: ORIGINALS:|
|UK Driver’s Licence, Provisional or Full (both card and paper parts)||Credit card/store card statement|
|EU Driver’s Licence||Inland Revenue/HMRC Correspondence (i.e. confirmation of tax code or NI number)|
|Passport||Utility bill (not internet print out)|
|EEA member state ID card||Council tax bill|
|Firearms Certificate||Council rent card or mortgage statement|
|Inland Revenue Notice of Tax Coding||Tenancy agreement from a council or housing association|
|Pensions or Benefits Correspondence (not working tax credits)||Home insurance certificate|
|Northern Ireland Electoral Identity Card||Bank or building society statement (not internet print out)|
|Construction Industry Scheme Card (permanent only)||Credit Card/Store Card Statement (not internet print out)|
|Sub-Contractors Certificate||Bankruptcy Order/Bankruptcy Restriction order/ Debt Relief Order|
This is a photocopy of your document with the words ‘confirmed a true copy of the original’ added, which has then been signed, stamped and addressed, with a contact phone number of a qualified person (please see below).
Bank, building society and Post Office staff, teachers, police officers, accountants and solicitors are all qualified to certify your document.
Please note that we can’t guarantee that all of the above will certify the copy of your document, so please call before travelling to them. If you have any difficulties getting your copy certified, please contact us.
Yes, please make sure that you:Close these tables
|Send originals from ‘Financial Statements’ (column B) or ‘Other’ (column C) of the “What documents do I need” table above. We’ll return them to you|
|Submit certified copies from ‘ID’ in column A|
|For utility bills, send in gas, electricity, water or phone landline bills|
|Ensure any bank or building society document has your name, address and account number on it|
|Ensure that the full address is shown|
|Don’t send in originals from column A (including: Passports & Driver’s Licence)|
|Don’t send in a document older than three months – unless it’s a current annual item|
|Don’t send a print out from the internet – we need the original unless it’s a certified copy|
|Don’t send in a mobile phone bill|
|Don’t send in a P45|
|Don’t send in a P60|
|Don’t send in a payslip|
|Don’t send in a motor insurance document|
|Don’t send in a hand-written tenancy agreement|
|Don’t send in an invoice|
Please send your document(s) to the following very short address: Freepost Cashplus.
Please remember to enclose a quick covering letter that includes your Application Reference Number (this was confirmed to you by email after you applied). Then please check that you send original documents or certified copies as shown in the table under ‘What document(s) do I need to send to Cashplus’ for details.
Please check which documents we need from you by visiting the Cashplus Members Area.
No, we don’t charge you a penny to upgrade your account, but you may be charged a fee by the company or person that signs your certified copies.
Find out the benefits of upgrading Close this table
|£5,000 maximum balance*|
|Your wages paid into your card’s account|
|Cash machine withdrawals|
|Share money commission free|
|Creditbuilder, which could improve or build your credit rating|
For help in upgrading, please Contact us