Rates & Terms

Currency Card Terms

In these terms and conditions:

“Agreement” – means these terms and conditions.

“Available Funds” – means at any given time any unspent funds loaded onto your Prepaid Card which is available to pay for transactions and fees and charges payable under these terms and conditions.

“Business Day” – means any day other than a Saturday, Sunday or national public holiday on which banks are open for business in the UK.

“PIN” – means your unique personal identification number which is provided to You for use with your Prepaid Card.

“Prepaid Card” – means the primary my Travel Cash Prepaid MasterCard® which has been issued to you for your use, and any additional prepaid cards issued to you.

“Denominated Currency” – means GB pounds sterling, Euros, or US Dollars, depending on the denomination of the Prepaid Card.

“Lost or Stolen Card Contact Number” – means our standard telephone numbers below, or for our text service 60777 from your registered mobile or +44 7786 200 690 from outside the UK.

“Mobile App” – means the my Travel Cash mobile app for iPhone or Android phones.

“you” – means the named Prepaid Card holder and the authorised user of the Prepaid Card and any additional Prepaid Cardholders.

“we”, “us” or “our” – means Wirecard Card Solutions Ltd or WEX Europe acting on its behalf.

“Website” – means our website at mytravelcash.com

You can download a copy of these terms and conditions at any time from our Website.

Customer Services

If there is anything you do not understand or agree with please contact us using our contact details:

Telephone	0845 867 6496 or +44 20 33550134 from outside the UK;
Mailing Address	my Travel Cash, PO Box 60826, London W6 6GB, United Kingdom;
Email	– We will endeavour to respond to email enquiries within 1 working day.

1. Your my Travel Cash Prepaid MasterCard Card

These terms and conditions set out the general terms and conditions that apply to your Prepaid Card and form the Agreement between you and us governing the possession and use of your Prepaid Card. By applying for and/or using the Prepaid Card you are agreeing to this Agreement.

You can use the Prepaid Card worldwide at any location that displays the MasterCard Acceptance Mark, including shops, restaurants, online, or on the telephone. Before using the Prepaid Card you need to make sure you have activated it and that there are enough funds loaded on it. You will not be able to use your Prepaid Card after its expiry date. However, we will issue you with a new Prepaid Card prior to expiry of your existing Prepaid Card provided that there has been activity on your Prepaid Card account within six months before expiry of your existing Prepaid Card and you do not advise us not to issue you with a new Prepaid Card.

If there has been no activity on your Prepaid Card account within six months before expiry of your Prepaid Card but there remains a balance of funds on your Prepaid Card we will issue a new Prepaid Card in your name and notify you (by emailing you on your email address last known to us) that the Prepaid Card is available to be sent to you. We will ask you to tell us where to post the new Prepaid Card. We will then hold that Prepaid Card for you pending receipt of details from you of where to post it.

Your Prepaid Card is not a credit card and is not in any way connected to your bank account. You will not earn any interest on any funds loaded on your Prepaid Card.

Your Prepaid Card will be valid for the period ending on the expiry date set out on Your Prepaid Card.

2. Applying for and activating your Prepaid Card

To apply for our Prepaid Card you must be at least 18 years old and a UK resident. We may ask to see evidence of your identity to prove who you are and your address. We will carry out checks on you electronically and we may request documentary evidence to prove this. In performing these checks personal information provided by you may be disclosed to a registered Credit Reference Agency who may keep a record of that information. You can rest assured that this is done only to confirm your identity, that a credit check is not performed and that your credit rating will be unaffected.

You can apply for an additional Prepaid Card that can be linked to your Prepaid Card account. However the funds in these Prepaid Card accounts are separate. The holder of your additional Prepaid Card must be at least 13 years old. We will require you to provide their full name, date of birth and email address, or such other information we may require from time to time (see our Website for details). You are responsible for all transactions made using the additional Prepaid Card. It is important that you bring this Agreement to the attention of the additional Prepaid Cardholder.

You must sign the signature strip on the back of the Prepaid Card as soon as it is received. Please refer to our Currency cards rates and terms table below or on our Website for all loading options, or refer to Section 3 below.

3. Loading your Prepaid Card

Funds can be loaded to your Prepaid Card by you. Limits apply to the number of times your Prepaid Card may be loaded in a day and certain minimum and maximum load limits apply, such limits are detailed in our Currency cards rates and terms table below or on our Website. We reserve the right to refuse to accept any particular loading transaction.

Upon receipt, your funds will be available for use without delay.

A Load/Reload fee may apply for each load/reload that you make. Please see Section 14 below for details of when a Load/Reload fee will apply and how much it will be.

4. Using your Prepaid Card

You can use your Prepaid Card worldwide anywhere the MasterCard Acceptance Mark is displayed, as well as over the telephone and online, as long as you have activated it and there are sufficient funds on it. Cash can be accessed 24/7 at ATMs wherever the MasterCard Acceptance Mark is displayed.

Limits apply to daily cash withdrawal (ATM) transactions, and other limits may be applied to the amount of spend and the number of transactions you can perform for your protection. These limits can be found in the Currency Card rates and terms section below or on our Website. Detailed instructions on how to use your Prepaid Card found on the user guide on our Website. You will need to follow these instructions when using your Prepaid Card.

All payments made using your Prepaid Card shall be in its Denominated Currency. If you are paying for goods and services in another currency, the amount payable shall be converted at the MasterCard conversion rate at the time they process your transaction, and a Foreign Transaction Fee will apply, see our currency cards rates and terms table below or on our Website. When loading your Prepaid Card and paying in another currency, the applicable exchange rate will be shown at the time of the transaction.

We will deduct the value of your transactions from the balance on your Prepaid Card as soon as they are made. We will also deduct any applicable fees as soon as they become payable by you. For details of our fees, see our currency cards rates and terms table below or on our Website.

The Prepaid Card belongs to us. We may at any time ask you to stop using your Prepaid Card and return it to us or destroy it. We may at any time suspend, restrict or cancel your Prepaid Card or refuse to issue or replace a Prepaid Card for reasons relating to the following:

- we are concerned about the security of your Prepaid Card account or Prepaid Cards we have issued to you ;
- we suspect your Prepaid Card account is being used in an unauthorised or fraudulent manner; or
- we need to do so to comply with the law.

If we do this, we will tell you as soon as we can or are permitted to do so after we have taken these steps. We will issue you with a replacement Prepaid Card if after further investigations we believe that such circumstances no longer apply.
Like other payment cards, we cannot guarantee a merchant will accept your Prepaid Card. We may also refuse to pay a transaction:

if we are concerned about the security of your Prepaid Card or we suspect your Prepaid Card is being used in an unauthorised or fraudulent manner
if there are insufficient funds on your Prepaid Card at the time of a transaction to cover the amount of the transaction and any applicable fees
if there is a negative balance on your Prepaid Card
if we have reasonable grounds to believe that you are not complying with any part of these terms and conditions
if we believe that a transaction is potentially suspicious or illegal (for example, if we believe that a transaction is being made fraudulently)
or because of errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing transactions.

If we refuse to authorise a transaction, we will, if practicable, tell you why immediately unless it would be unlawful for us to do so. You may correct any information we hold and which may have caused us to refuse a transaction by contacting Customer Services.

5. Cashback

“Cashback” refers to the money that you can earn back on any settled transactions at a point of sale you make with your Prepaid Card. That is when you use your Prepaid Card at a merchant to pay for goods or services. Cashback is calculated as a percentage of the total transaction value and is currently set at 1% of all eligible transactions. Before we change the amount of Cashback that we offer, we will notify you by e-mail or telephone (if you have provided us with it)) at least 2 months before the change is due to take effect. All Cashback is subject to the following conditions and process:

Cashback is not paid on the following:

ATM withdrawals
Any fees, cash withdrawals or cash-based transactions including over-the-counter cash payments and disbursements
Any amounts that are subsequently re-credited to your Prepaid Card account by way of refunds. In such circumstance, Cashback will no longer apply. If we have already paid Cashback for this transaction, the equivalent amount will be deducted from your Prepaid Card balance
Any spend which, at any point, exceeds the available balance on your Prepaid Card and takes it into a negative balance

Cashback will not be paid if:

Your Prepaid Card is blocked or otherwise not active at the time we attempt to apply your Cashback
You cancel your Prepaid Card before we apply any outstanding Cashback. If you wish to cancel your Prepaid Card we advise you to wait until you have received all outstanding Cashback payments before cancelling it
We suspect/are notified that a transaction took place as a result of the loss, theft, misappropriation or unauthorised use of your Prepaid Card
A transaction is agreed to take place on a future date, only settled transactions are eligible for Cashback

In any month where a Cashback payment has been forfeited due to any of the above reasons the Cashback earned will not be carried forward

Cashback process
At the beginning of every month your Prepaid Card account will be assessed for the total value of eligible transactions, as described above.

The value of your Cashback payment is calculated on settled transactions that took place the previous calendar month, as outlined above.

The calendar month period over which your Cashback is calculated uses the date that transactions are received by our system. This may not necessarily be the date that the transaction took place due, the timeframe depends on the merchant.
In the event that your transaction is not received by our system before Cashback payments are processed it will be included in the next Cashback payment the following calendar month.

Cashback amounts will be rounded down to the nearest full pence/cent (as applicable) and paid in your Prepaid Card’s Denominated Currency. If the eligible transaction was made in a different currency then we will carry out a currency conversion using our standard exchange rate on the day of conversion).

The total amount of Cashback awarded in any calendar month is only limited by the value of eligible transactions conducted on the Prepaid Card account in the previous calendar month.

Any Cashback earned will be paid directly in to your Prepaid Card account before the end of the following calendar month, no alternative form of payment is available. An entry will be made in your Prepaid Card account notifying you that your Cashback payment has been successfully made.

If you report your Prepaid Card as lost or stolen, your Cashback will be paid to your replacement Prepaid Card.

6. Authorising Transactions

Subject to the features of the particular Prepaid Card, the authorisation of a transaction can include authorising any single transaction, a series of or recurring transactions (including transactions for an indefinite period) or pre-authorising future transactions of a certain or uncertain amount.

A Prepaid Card transaction will be regarded as authorised by you where you authorise the transaction at the point of sale by following the instructions provided by the merchant to authorise the transaction, which includes:

entering your PIN or providing any other security code
signing a sales voucher
providing the Prepaid Card details and/ or providing any other details as requested
waving or swiping the Prepaid Card over a card reader
inserting a Prepaid Card and entering your PIN to request a cash withdrawal at an ATM
making a request for a cash withdrawal at any bank counter

Authorisation for a transaction may not be withdrawn (or revoked) by you after the time we have received it. However, the following transactions may be withdrawn if you give notice to the merchant (providing a copy of the notice to us):

any transaction which is agreed to take place on a date later than the date it was authorised as long as notice was provided no later than the close of business on the Business Day before it was due to take place. We may charge you an Administration Fee (see our Currency Card rates and terms table below or on our Website) if a transaction is revoked by you under this section.

We will pay the funds required by the merchant to cover the transactions authorised by you within 3 days of us receiving their request. A transaction (payment order) will be received as follows:

for purchases and ATM transactions, at the time we receive the transaction settlement instruction from the merchant acquirer or ATM operator;
for other transactions which are communicated directly to us, at the time you ask us to complete the transaction.

If, in relation to;
(a) purchases and ATM transactions, we receive the transaction instruction from the merchant acquirer or ATM operator; or,
(b) other transactions communicated directly to us, you ask us to complete the transaction after 2pm, the transaction instruction or request will be deemed to have been received by us on the following Business Day.

7. Cancellation and expiry of your Prepaid Card

You have a legal right to cancel your Prepaid Card up to 14 days after you receive the Prepaid Card without being charged the Redemption Fee – this 14 day period is known as the “Cooling-Off Period” (this does not apply to renewal or replacement cards, only your original card). Under these terms and conditions, you also have the right to cancel your Prepaid Card at any time after the 14 day Cooling-Off Period. You can cancel your Prepaid Card by sending an email to Customer Services, and confirming that you have destroyed your Prepaid Card. Your funds will be returned within 3-5 Business Days subject to satisfactory checks being completed.
We may also cancel your Prepaid Card for any reason by giving you at least 2 months’ notice:

if you break an important part of these terms and conditions, or repeatedly break these terms and conditions and fail to resolve the matter in a timely manner;
if you act in a manner that is threatening or abusive to our staff, or any of our representatives;
if you fail to pay fees or charges that you have incurred or fail to put right any negative balance on your Prepaid Card account.

We may also cancel this Agreement or suspend your Prepaid Card or Prepaid Card account immediately if we believe your Prepaid Card is deliberately being used by you to commit fraud or for other illegal purposes. If we do this we will tell you as soon as we are permitted to do so.

Your Prepaid Card will be valid for the period ending on the expiry date set out on your Prepaid Card. However, we will issue you with a new Prepaid Card prior to expiry of your existing Prepaid Card provided that there has been activity on your Prepaid Card account within six months before expiry of your existing Prepaid Card and you do not advise us not to issue you with a new Prepaid Card. If there has been no activity on your Prepaid Card account within six months before expiry of your Prepaid Card but there remains a balance of funds on your Prepaid Card account we will issue a new Prepaid Card in your name and notify you (by emailing you on your email address last known to us) that the new Prepaid Card is available to be sent to you at the address you have registered with us. We will then hold the new Prepaid Card for you pending receipt of details from you of where to post it.

If your Prepaid Card is cancelled, we will immediately block your Prepaid Card so it cannot be used.

See “Your Rights to Redemption of Funds and Refunding of Transactions on your Prepaid Card” section below for information about your rights to receive a refund of unused funds.

8. Inactivity fees

An inactivity fee will be applied to your Prepaid Card account following each period of 12 consecutive months of inactivity. Please refer to Section 14 for full information about fees.

For the purpose of these terms and conditions inactivity is defined as a period where there is no change to your Prepaid Card account balance, excluding balance changes as a result of any fees or adjustments applied by us. Inactivity will be monitored on a per Prepaid Card basis and so inactivity fees may apply to an additional card even if there has been activity on the primary card, because each card has a separate card balance.
The fees will be deducted from the 13th month onwards until such time as either activity resumes on the Prepaid Card account, the balance reaches zero or your Prepaid Card is cancelled or expires and in either case is not renewed/replaced.
The inactivity fee is non-refundable and we will not accept any claims for reimbursement

9. Keeping your Prepaid Card secure

You should treat your Prepaid Card like cash. If it is lost or stolen, you may lose some or all of your money on your Prepaid Card, in the same way as if you lost cash in your wallet or purse. As a result, you must keep your Prepaid Card safe and not let anyone else use it.

When you are issued with your PIN, you must memorise it as soon as you receive it and then destroy the notification. You must keep your PIN secret at all times. Do not reveal it to anyone. If you find your PIN hard to remember, you can change it at most ATMs, by simply selecting the “PIN services” option. Note, some ATM operators may charge a fee for this service.
We recommend that you check the balance on your Prepaid Card regularly online at our Website or by using our Mobile App. We will provide you with your Prepaid Card balance and a statement of recent transactions either by electronic means or on our secure webpage at any time. Your statement will show:

information relating to each Prepaid Card transaction which will enable it to be identified
the amount of the Prepaid Card transaction shown in the currency in which the transaction was paid or debited to the Prepaid Card account
the amount of charges for the transaction
the date the transaction is authorised or posted on to the Prepaid Card account

Your Passcode/Access code is needed to activate your Prepaid Card or access your Prepaid Card details on the Website. When you are issued with your Passcode/Access code you must memorise it as soon as you receive it and delete the text or email notification. Do not share it with anyone.

10. Lost and stolen Prepaid Card and unauthorised or incorrectly executed payments

If you know or suspect that your Prepaid Card is lost or stolen, or that the PIN or password is known to an unauthorised person, or if you think a transaction has been incorrectly executed you must tell us without undue delay (but in respect of unauthorised/incorrectly executed transactions not later than 13 months after the date of the debit) by calling us at Customer Services at any time.

You can report your Prepaid Card as lost or stolen at any time via:

our Website by logging in to your Prepaid Card account;

text message by simply texting CARD STOP STOLEN or CARD STOP LOST to our Lost or Stolen Card Contact Number +44 7786 200690; or

our Mobile App through the link in the interface.

If an unauthorised transaction takes place we will immediately refund the amount of the transaction after you notify us of the loss, theft, misappropriation or unauthorised use of your Prepaid Card. We will investigate claims before making a refund if there is evidence to suggest that either you have acted fraudulently or that you have deliberately or grossly negligently failed to comply with your obligations in relation to the Prepaid Card.

You will be liable for losses up to a maximum of £50 in each instance resulting from unauthorised transactions arising from the use of your lost or stolen Prepaid Card, or from the misappropriation of your Prepaid Card where you have failed to keep its personalised security features safe. However, if our investigations show that any disputed transaction was authorised by you, or you have acted fraudulently or have intentionally, or with gross negligence, not complied with your obligations regarding the security of your Prepaid Card, you may be liable for all losses (including losses we suffer) because of the use of the Prepaid Card.

11. Our liability

We will not be liable for any loss arising from:

any cause which results from abnormal or unforeseen circumstances beyond our control, consequences which would have been unavoidable despite all our efforts to the contrary; or
a merchant refusing to accept your Prepaid Card; or
our compliance with legal and regulatory requirements;
us suspending, restricting or cancelling your Prepaid Card or refusing to issue or replace it in accordance with Section 4 (Using your Prepaid Card) above;
loss or corruption of data unless caused by our wilful default.

From time to time, your ability to use your Prepaid Card may be interrupted, e.g. when we carry out essential maintenance. If this happens, you may be unable to load your Prepaid Card, or unable:
(a) to use your Prepaid Card to pay for purchases or obtain cash from ATMs and/or
(b) to obtain information about the funds available in your Prepaid Card and/or about your recent Prepaid Card transactions.
We will not be liable for any loss arising from such interruptions. We are also not liable for:

business interruption, loss of revenue, goodwill, opportunity or anticipated savings;
any indirect or consequential loss arising from your total or partial use or inability to use your Prepaid Card, or the use of your Prepaid Card by any third party.

12. Your Rights to Redemption of Funds and Refunding of Transactions on Your Prepaid Card

Redeeming the funds on your Prepaid Card
You have the right to redeem the funds on your prepaid card at any time in whole or in part. To do so, you can contact our Customer Services requesting a redemption of funds and indicating the amount to be redeemed. If you wish to cancel your Prepaid Card, please refer to Section 7 (Cancellation and expiry of your Prepaid Card) above. When we process your redemption of funds request we may charge a Redemption Fee (see Currency Card rates below or on our Website) in the following cases:

If you request a redemption of funds before your right to use your Prepaid Card account balance to make payment transactions ceases (e.g. your Prepaid Card is cancelled or expires and not renewed or replaced in accordance with these terms and conditions – except if you cancel the Prepaid Card in the 14 day Cooling-off Period referred to in section 7)
If these terms and conditions provide for a date on which your right to use your Prepaid Card account balance to make payment transactions terminates and you terminate such right before that date.
You request a redemption of funds more than one year after your right to use your Prepaid Card account balance to make payment transactions ceases (e.g. one year after your Prepaid Card is cancelled or expires and not renewed or replaced in accordance with these terms and conditions).

We will not redeem the funds on your Prepaid Card account if you send us a request for a refund more than 6 years after the date your right to use your Prepaid Card account balance to make payment transactions ceases e.g. 6 years after your Prepaid Card is cancelled or expires and not renewed or replaced in accordance with these terms and conditions.

Subject to compliance with the above paragraphs of this Section and after deduction of the applicable Redemption Fee the redeemed funds be returned to you on the payment instrument that you used to fund the Prepaid Card, for example your bank account. We reserve the right to see proof of your ownership of the payment instrument before transferring the funds to it. To enable us to comply with our legal obligations (including, without limitation, anti-money laundering obligations), we may ask you to provide us with certain information before we can process your redemption of funds request. Please confirm in writing that you have destroyed your Prepaid Card by cutting it up through the chip.

Where the currency of the amount to be redeemed is different to the currency of the payment instrument that you used to fund the Prepaid Card we will convert this before we pay you the redeemed funds. Please note that exchange rates vary and also contain a buy/sell spread and therefore the exchange rate on any redeemed funds you receive will differ from the rate when you loaded the funds onto your Prepaid Card. We will apply our standard rate on the day and will inform you of the exchange rate at the time funds are redeemed.

If by the date falling 1 year after your right to use your Prepaid Card account balance to make payment transactions ceases e.g. 1 year after your Prepaid Card is cancelled or expires and not renewed or replaced in accordance with these terms and conditions, there is money remaining in your Prepaid Card account and you have not requested such money be returned or you have not provided us with the information we require to enable us to return the funds to you a Dormancy Fee will be payable (see Currency Card rates and terms table below or on our Website) and will be deducted from your Prepaid Card account balance. The Dormancy Fee is to cover our costs of maintaining records of the remaining balance of funds until such time as you do make a request for a refund or supply us with all necessary information to enable us to return the remaining balance of funds to you or such balance is reduced to zero by the deduction of the Dormancy Fees (as the case may be).

The provisions of these terms and conditions giving you the right to request a redemption of funds and us the right to charge a Redemption Fee and/or a refund-related Dormancy Fee will survive the termination or expiry of these terms and conditions.

Refunding Transactions

You may be entitled to claim a refund in relation to transactions where:

the transaction was not authorised in accordance with these terms and conditions;
we are responsible for a transaction which was incorrectly executed after you notified us in accordance with Section 6 (Authorising transactions) above;
a pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged by a supplier is more than you could reasonably have expected taking into account normal spending patterns on the Prepaid Card or the circumstances of the transaction. A claim for a refund in the circumstances set out above will not be accepted if the amount of the transaction was made available to you at least 4 weeks before the transaction date or if the claim is made more than 8 weeks after being debited to your Prepaid Card.
we were notified of the unauthorised/incorrectly executed transaction within 13 months of the debit date.

13. Changes to these terms

We may change these terms by notifying you by e-mail or other agreed means at least 2 months before the change is due to take effect. The notices and up-to-date version of the Prepaid Card terms and conditions will always be available on the Website. You should check the Website regularly for such notices and changes. You will be taken to have accepted the notified change unless you tell us that you do not agree to the change prior to the change being effective. In that event, we will treat that notice as notification that you wish immediately to terminate. In such circumstances we will refund any balance on the Prepaid Card in accordance with Section 12 above and you will not be charged a Redemption Fee.

We may make immediate changes to the exchange rate used to convert foreign transactions between two currencies as applicable.

For all transactions made in a foreign currency you can find out what the applicable exchange rate was at the time of the transaction via the MasterCard website https://www.mastercard.com/us/personal/en/cardholderservices/currencyconversion/index.html

14. The Fees and Limits

We do not charge any fees for checking your on-line balance and transactions. However your use of your Prepaid Card may be subject to fees, please see the Currency Card rates below. This table is also set out on our Website.

Fees
Prepaid Card Purchase	FREE subject to minimum load
Additional Card Purchase	€4, $5 or £3
Monthly / Annual Management Fee	FREE
Point Of Sale Transactions	EUR card transactions in Euros: FREE
	USD card transactions in USD: FREE
	GBP/Multi-Currency card: transactions in GBP 2.99% transaction fee
ATM Transactions*
* some ATM providers may apply surcharges	FREE for EUR card withdrawals in Euros
	FREE for USD card withdrawals in USD
	FREE for Multi-Currency card withdrawing any currency but GBP where a 2.99% fee applies
Exchange Rate for Cross Currency
	EUR card: GBP to EUR rate applies, £1 buys €1.1957. Rate on website applies to conversion back into GBP.
	USD card: GBP to USD rate applies, £1 buys $1.6341. Rate on website applies to conversion back into GBP.
	Multi-Currency/GBP card: 2.99% is added to the day’s MasterCard exchange rate when the transaction is processed. 2.99% fee applies for GBP withdrawals and payments.
Lost and Stolen block	FREE: Online Via the my Travel Cash Mobile App* By SMS* or by phone where UK local call rates from landlines apply. * you may incur charges from your network for data usage or using SMS service
Customer service telephone enquiries	UK local call rates from UK landlines per minute
Online or my Travel Cash Mobile App balance and transaction enquiry	FREE (mobile data charges may apply)
SMS balance and transaction enquiry or card status change	€0.15 or $0.15 or £0.15 per SMS message. Please note, you may also incur additional charges from your network for using this service.
Card Replacement Fee	€4, $5 or £3
PIN Issue/Re-issue	FREE for issue / €1 or $1 or £1 for re-issue
Card Load or Top Up	FREE by debit card 2.50% of load value for credit cards
Cancellation or Redemption Fee	€6 or $8 or £5
Administration Fee	€14 / $19 / £12
Inactivity Fee	€2.50 / $3 / £2 per month
Dormancy Fee	€1.25 / $1.50 / £1 per month
Card Validity	As set out on Your Prepaid Card
Delivery Fees	As specified on Website

The following load limits apply to the usage of the Prepaid Card:

Load Limits
Minimum Load Amount	€30 or $40 or £25 per load
Maximum Load Amount	€3000 or $4000 or £2500 per load
Maximum Card Balance	€6000 or $8000 or £5000
Maximum number of loads per day	2

The following maximum spend limits apply to the usage of the card:

Spend Limits
Purchases per day	10 or €2400 / $3200 / £2000
ATM Cash Withdrawals per day	5 or €300 / $400 / £250
Purchases per four days	40 or €6000 / $8000 / £5000
ATM Cash Withdrawals per four days	15 or €1200 / $1600 / £1000

You should be aware that other costs may exist that are related to the Prepaid Card but are not imposed by us, for example, when you use your Prepaid Card at an ATM you may also be subject to applicable fees, surcharge rules and regulations of the relevant ATM, or other financial institution or association.

If we decide to increase or impose any new fees, we will tell you by e-mail, text, or post, at least 2 months before any changes take effect.

Under normal circumstances, if any payment is attempted that exceeds the Available Funds on the Prepaid Card the transaction will be declined. In certain circumstances, a transaction may take your Prepaid Card, or any additional Prepaid Card into a negative balance – this will normally be where the merchant has failed to seek authorisation for the transaction. In these cases, we will attempt to recover some or all of the money from the merchant if we can, provided that we are satisfied that you have not deliberately used the Prepaid Card or any additional Prepaid Card in the manner that would result in a negative balance. We will deal with such instances on a case by case basis, but where there is a negative balance on your, or any additional Prepaid Card, we may require you to make up the shortfall and, until there are Available Funds on your, or any additional Prepaid Card, we may restrict or suspend the use of them.

You agree that once we make the negative balance known to you by e-mail, text or post, we will charge you for the shortfall amount and you must repay it immediately. We may charge the amount of the shortfall from any other Prepaid Cards that you hold with us, or any other payment method which you may designate at that time, or against any funds which you may subsequently load onto your Prepaid Card or on any additional Prepaid Card ordered by you.

We reserve the right to charge you an Administration Fee for each transaction that you make using Your Prepaid Card or any additional Prepaid Card that results in a negative balance or increases the shortfall amount on them.

15. Your details

You must let us know by contacting Customer Services as soon as possible if you change name, address, phone number or e-mail address. If we contact you in relation to your Prepaid Card, for example, to notify you that we have cancelled your Prepaid Card or to send you a refund by cheque, we will use the most recent contact details you have provided to us. Any e-mail to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not told us.

16. Data protection

In purchasing the Prepaid Card and using it, you agree that we can use your personal information in accordance with our Privacy Policy. Our Privacy Policy is set out on our Website, it includes details of the personal information that we collect, how it will be used, and who we pass it to. You can tell us if you don’t want to receive any marketing materials from us by logging into your account and editing your preferences.

17. Disputes with merchants

If you have any disputes about purchases made using your Prepaid Card, you should settle these with the person you bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with your Prepaid Card. Remember that once you have used your Prepaid Card to make a purchase we cannot stop that transaction.

18. Communication

If you have an enquiry relating to your Prepaid Card, or if your Prepaid Card has been Lost or Stolen, you can call our Customer Services telephone line on 0845 867 6496 or +44 20 33550134 from outside the UK. Standard BT rates will apply to calls to the 0845 number from a fixed UK BT landline. Call costs from other networks may vary.
You can also contact us in writing at:

my Travel Cash
PO Box 60826
London W6 6GB
United Kingdom
Or by emailing us using the contact form

19. Complaints

The Prepaid Card programme is managed by WEX Europe as Co-Brand Partner. If you are unhappy in any way with your Prepaid Card or the way it is managed, tell us by contacting us using the any of the contact details found on our contact us page so we can investigate the circumstances for you. Any complaints you have will be dealt with quickly and fairly. You may be able to take unresolved complaints to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800 and e-mail:

20. Compensation

The Prepaid Card is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the Prepaid Card. This means that in the event that Wirecard Card Solutions Ltd becomes insolvent your funds may become valueless and unusable and as a result you may lose your money.

21. Assignment

We may assign the benefit and burden of these terms and conditions to another company at any time, on giving you 2 months prior notice of this. If we do this, your rights will not be affected.

22. Move to a new prepaid card

We may move your unused balance to a new Prepaid Card provided by a Prepaid Card issuer other than Wirecard Card Solutions Ltd at any time. Before we do this, we will give you 2 months’ notice of the new Prepaid Card arrangements and the new Prepaid Card terms and conditions. Unless you advise us within the 2 month period that you do not want a new Prepaid Card from the new Prepaid Card issuer, you agree that we can automatically move the unused balance on your Prepaid Card to a new Prepaid Card provided by the new Prepaid Card issuer.

23. Governing law

These terms and conditions are made in English. All communications with you will be in English. These terms and conditions will be governed by English law and English courts will deal with any legal proceedings between us.

24. Fund Protection

As a responsible e-money issuer, Wirecard Card Solutions Ltd ensures that once it has received your funds they are deposited in a secure account, specifically for the purpose of redeeming transactions made by your Prepaid Card. In the event that Wirecard Card Solutions Ltd becomes insolvent funds that you have loaded which have arrived with and been deposited by Wirecard Card Solutions Ltd are protected against the claims made by creditors.

25. Prepaid Card issuer

Please note, Newcastle Building Society (NBS), the original issuer of the my Travel Cash MasterCard® Prepaid Card, has transferred its Prepaid Cards Division to Wirecard Card Solutions Ltd Limited (WDCS). WDCS, authorised and regulated by the Financial Conduct Authority in the UK and covered by the Financial Ombudsman Service, is the new issuer of your card. The Terms and Conditions and any fees relating to your card remain unchanged. This also does not affect the status of your card or statutory rights in any way. Should you have any queries regarding this matter don’t hesitate to contact us, 24/7, on 0845 867 6496 or email .

For foreign exchange services we use FTT Global Limited which is registered with HM Revenue & Customs (Registration number 12231114) and is authorised by the Financial Conduct Authority as a Payment Services Institution (Registration Number 503228) or such other currency exchange service providers that we make known to you prior to your use of foreign currency services.