Unlock the uses of your Cashplus account
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.
What are Total Access and Express Access?
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.
How can I tell which account I have?
We let you know which account you have by email and by letter when you received your Cashplus prepaid Gold MasterCard®.
Alternatively, visit the Members Area and see if there’s an ‘Upgrade your account’ button… if there is, you currently have an Express Access account, so you should upgrade. Or just call us.
You can also tell if you have Total Access if:
- If you can top up your account using your bank account or you have your wages paid directly to your Cashplus account
What’s the difference between Total Access and Express Access?
It’s well worth upgrading your account to Total Access:
Close this table
| Express access | Total access | |
|---|---|---|
| Maximum balance | £2,000 | £5,000 |
| 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 | |
|
How do I unlock my account?
Please login at the Members Area, then select ‘upgrade card’ to see what you need to send to us.
What document(s) do I need to send to Cashplus?
Find out which documents you need to provide Close
If we just need to verify your identity, you’ll need to provide:
- ONE of the documents listed in column A ‘proof of identity’ in the table below.
If we need to verify your identity and your address, you have two options. Either send:
- A certified copy of your UK Driver’s Licence AND any other certified document from column A ‘proof of identity’
- OR
- Any certified copy of a document from column A ‘proof of identity’ AND any document from column B ‘proof of address’
Some important things to consider:
- You can check the Cashplus Members’ Area to confirm whether we need proof of identification, proof of address, or both.
- A UK Driver’s Licence can be used for either proof of address or proof of identity, but cannot be used for both. If you’re required to provide proof of address and proof of identity please also provide another item from the appropriate column.
- All bills and statements must have been sent to you in the post and must show your name, address and, if applicable, account number. Sorry, but we can’t accept print-outs from the internet.
- All bills or statements should be dated within the last 3 months, unless an annual item where they should be dated within 12 months.
| 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 |
What’s a certified copy?
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).
Who can certify my document?
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.
Do you have an ‘upgrade checklist’?
Yes, please make sure that you:Close these tables
| DO: |
|---|
| 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: |
|---|
| 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 |
Where do I send my document(s)?
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.
Is there a charge for upgrading my account?
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.
Need help upgrading?
Find out the benefits of upgrading Close this table
| Upgrade for: |
|---|
| £5,000 maximum balance* |
| Your wages paid into your card’s account |
| Cash machine withdrawals |
| Additional Cards |
| Share money commission free |
| Creditbuilder, which could improve or build your credit rating |
For help in upgrading, please Contact us