Managing your cashplus prepaid Gold MasterCard® account
Just about everything you need to know about how to use our Member's Area, telephone and text messaging service, so you can check your balance, transactions as well as other account management functions.
- How can I update my contact details?
- How can I check my balance and transactions?
- Can I get my wages paid directly into my cashplus prepaid Gold MasterCard account?
- How are transactions authorised?
- Do I need a minimum account balance when I use my card?
- Why might a transaction be declined?
- What is a pending transaction?
- Will I have to pay any interest?
- How do I get additional cashplus cards for my family or friends?
- What happens when my cashplus prepaid Gold MasterCard expires?
- How do I close my account?
- What are the activeplus and flexiplus pricing plans?
- Changing your account option
How can I update my contact details?
You can update your contact details either online in the Members' Area or by contacting Customer Services. It is your responsibility to notify us within 14 days of any changes to your contact details so that our records are accurate, complete and up to date.
How can I check my balance and transactions?
Via the Member's Area: You can check your balance and review and print your statements and transactions.
Via Customer Services on 0871 277 5599*: You can use our automated service to:
- Report your card as Lost or Stolen
- Activate your card
- Check your account balance and last 5 transactions
- Check when a payment has been made into your account
- Change your pricing plan
- Hear more information about our services, including:
- Getting and using your card
- Topping up and different payment plans
- How to use your card for getting money to friends and family
You can also get further help with specific account queries by speaking to one of our Customer Services Advisors.
Call us Monday to Friday 8am to 6pm, Saturday 10am to 4pm. Calls will be charged at 10p per minute from BT landlines. Calls from other networks or from outside the UK may cost more. Lost and Stolen calls will be taken 24 hours a day, 7 days a week.
You can also text us!
To have your latest card information sent to your mobile phone just text the following requests to 07797 800 601. Each text costs your usual network tariff plus 25p which will be charged to your mobile phone. Simply text:
BALANCE - to get your latest balance details
LASTTRANS - to get up to your latest 5 transactions
STATUS - to check up on the status of your application
Please note that if you have more than one card account with the same mobile phone number, you will have to contact customer services.
Can I get my wages paid directly into my cashplus prepaid Gold MasterCard account?
Yes. This service is FREE. Simply click here to print out our wages payment form. Read the instructions carefully, then simply complete the form and hand it to your employer to process.
How are transactions authorised?
Your ?repaid card is like a debit or credit cards when it comes to purchasing goods and services. When you want to buy something, we are asked if you have enough funds in your account to cover the value of the purchase price of what you want to buy.
This means when your card is put in the Chip and PIN terminal, it will connect to us online. We will then say that you have enough money in your account to pay for what you want to buy and hold the funds until the purchase is fully processed. Nobody will be able to see your account balance.
Do I need a minimum account balance when I use my card?
In some circumstances, you may need a minimum balance in your cashplus card account for your card to be accepted. For example, when you 'Pay at Pump' you need a minimum balance of £50 on your card. This does not affect you if you purchase your fuel at the till inside the petrol station.
Why might a transaction be declined?
On rare occasions, when a merchant cannot go online and check with us how much money you have on your card, your transaction may be declined.
What is a pending transaction?
Like debit and credit cards, a transaction is pending when a merchant or retailer requests confirmation that you have funds available for the transaction. We have confirmed that you had the funds available and we are holding them for the merchant or retailer to process the transaction. We hold them up to 15 days for the merchant to confirm the transaction.
If the transaction is not confirmed by the merchant within this timeframe the funds will be released back to your available account balance. It will appear as “pending” when you view your statements online, or will have a “P” next to it if you request a text of your last five transactions. If you want to cancel a pending transaction or have any questions about the transaction please contact the merchant directly as they will have to cancel it.
Will I have to pay any interest?
No. There is no interest to pay and no late payment fees on your cashplus card. It is not a credit card so you can not exceed the funds you have on your account. All fee and charges applying to your account are set out in the Terms and Conditions.
How do I get additional cashplus cards for my family or friends?
It's easy. You can request additional cards on your existing account for use by additional cardholders aged 13 and over for just £9.95 per additional card. If you have an activeplus account no additional monthly fees will be charged for additional cards. Just log onto the Member's Area and apply, call our Customer Services team on 0871 277 5599* or write to us at PO PO Box 466, Salford, M50 2XU. See Terms and Conditions for full details.
What happens when my cashplus prepaid Gold MasterCard expires?
If your account is still open and in good standing, we will automatically send you a replacement card one month prior to the expiry date of your current card. If you do not receive the replacement card, please contact our Customer Services team on 0871 277 5599* to request a replacement. You will not lose any funds in your account if you do not receive a replacement card before your card expires. Please see the Terms and Conditions for more information.
How do I close my account?
The best way to close your account is by using the funds in your account until your balance reaches zero and you have no funds left in your account. Once your account balance is zero simply write to our Customer Services at PO Box 466, Salford, M50 2XU.
We reserve the right to contact you where appropriate, and charge you for all transactions and applicable fees. See Terms and Conditions for full details.
*Telephone calls may be recorded. Calls will be charged at 10p per minute from BT landlines. Other operator's charges may apply. See Terms and Conditions.
What are the activeplus and flexiplus pricing plans?
These are two different pricing plans available for your account.
activeplus is a great option if you plan to use your cashplus card often, such as for your everyday transactions. You pay a monthly fee of just £4.95 and all purchase transactions are free! If you only want to use your cashplus account for one-off purchases or emergencies, then a flexiplus account may be more suitable. There is no monthly fee. Instead you will pay a £1 fee per transaction.
Changing your account option
Simply call Customer Services and ask to change.
For full details of the cashplus card usage fees, including the two pricing plans, please see the Terms and Conditions and accompanying Fees Summary.
