Using Your Card

  • Q:How do I…use?

    A:Your Card is really simple to use. Instead of carrying cash or handing over your debit card, pay with your Cash Passport and enter your PIN or sign as normal. It’s as easy as that!

    Don’t forget, you can use your Card as a travel money pot and top up when you have some spare cash!

  • Q:How do I…use online?

    A:With the security of Cash Passport and the fact it’s not linked to your bank account, Cash Passport is ideal for shopping online. You can choose to pay in local currency and avoid extra charges by knowing the total cost upfront.

  • Q:Is there anything my Cash Passport cannot be used for?

    A:Cash Passport may not be used for money transfers (i.e. the sending of funds to a third party) or for accessing money transfer services, or to access or purchase goods from adult or gambling locations or internet sites and must not be used for any unlawful activity.

    You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card in the country of purchase and/or use.

  • Q:What do I do when my Cash Passport expires?

    A:You can either move your money to a new Card, or cash out the balance (subject to fees). To cash out and close, please call Card Services.

  • Q:I don’t have as much money available on the Card as I thought. Why is this?

    A:When using your Card at the merchants listed below a percentage or a fixed amount may be added to the amount of the transaction when it is submitted by the merchant for authorisation.

    The addition of this percentage or fixed amount to the transaction amount authorised by the merchant is called ‘tolerance’. This means that the value of the transaction plus the tolerance percentage or fixed  amount is reserved (‘ring-fenced’) from your available Card Fund.

    The table below sets out the typical percentage or fixed rate that may be added to the value of the transaction.

    Merchant category

    Tolerance (% of the authorised amount)

    Bars (or other similar drinking places)

    20%

    Restaurants (or other eating places)

    20%

    Automated fuel dispensers

    GB£50 or currency equivalent

     

    For example, you have lunch at a restaurant and the total bill is US$50.00. You are required to have an available Card Fund or Currency equivalent of at least US$60.00 for the transaction to be authorised ($50 + 20% tolerance ($10) = $60.00). You will only be charged for the actual and final amount of the transaction you sign for or validate by PIN.

    Please see ‘When I use my Card at a bar, restaurant, petrol station, or for taxi, limousine, and telecommunication services transactions, how long are the funds reserved for and why?’ for further information on this.

    Please also see the ‘Using the Card’ section of your Card Terms and Conditions.

  • Q:What happens if I do not have sufficient funds available in my total available Card Fund to cover the value of the transaction plus the tolerance amount?

    A:If you do not have sufficient funds available in your total available Card Fund to cover both the value of the transaction plus the tolerance amount, the transaction may be declined.

    For example, you have lunch at a restaurant and the total bill is US$50.00. You only have US$50.00 on your Card and there is a 20% tolerance applied to restaurant transactions. If the restaurant tries to charge your Card with US$50.00, it will be declined because 20% tolerance is added to the transaction amount and there will be insufficient funds to cover US$60.00 ($50 + 20% tolerance ($10) = $60.00).

     

    Please ensure you remember to take the tolerance amount into account. If you are using your Card at one of the merchant types where tolerance is applied, you may be unable to use your Card, unless you have enough in your total available Card Fund to cover the addition of tolerance. If the merchant supports it however, you can use your Card to make a partial payment, and cover the balance with some other payment method. Just make sure you tell the cashier before you start the transaction and confirm the amount you want deducted from your Card. The cashier should process your Card payment first, and then accept the remainder of the balance in whichever way you want to pay it.

     

     

    Please also see the ‘Using the Card’ section of your Card Terms and Conditions.

  • Q:What happens if I do not have sufficient funds available in the relevant Currency to cover the value of the transaction plus the tolerance amount?

    A: If the value of the transaction plus the tolerance percentage or flat amount exceeds the relevant available Currency balance on the Card, the remaining amount will be funded by converting that amount into the next available Currency in the order of priority.

    Please see your Card terms and conditions for further information on the order of priority. The exchange rate used is the rate determined by MasterCard® to be the wholesale rate in effect on the day the transaction is authorized by the merchant plus the foreign exchange margin (sometimes called foreign exchange fee). 

  • Q:Can I get cash back with my Cash Passport?

    A:No, cash back is not available on Cash Passport.

  • Q:How do I…use abroad?

    A:Whilst abroad and using your Card, always opt to use your Card in the local currency for the country you are in.

    Sounds obvious, but some merchants may give you the option to pay for purchases in GBP, rather than the local currency. By choosing this option there may be an additional charge. 

  • Q:Where can I use Cash Passport?

    A:Your Cash Passport can be used at millions of locations worldwide.

    There are a number of countries and geographical regions where the use of Cash Passport is currently prohibited. If you attempt to withdraw cash from a cash machine, or use your Card at shops, restaurants, hotels and online in any of these countries or geographical regions, your request will be declined and the reason given as 'Decline, prohibited country'.

    The countries or geographical regions currently affected are:

    Iran, North Korea, Sudan, Syria and Crimea.

  • Q: When does my Card Expire?

    A:Your Cash Passport has a lifespan of up to 5 years and the expiry date can be found printed on the front of the Card.

  • Q:What should I be aware of?

    A:You can use your Card for all purchases, however, we wouldn’t recommend using it for booking a hire car or accommodation.

    You can do these, but an additional amount is held on your Card (on top of the actual cost) as a deposit to cover potential damage, use of the mini bar etc. You will get this money back, (if you don’t owe it!) but it can take time to show back in your account.  

  • Q:How much more than the bill amount do I need to have on my Card for transactions at bars, restaurants and petrol stations?

    A:When using your Card at the merchants listed below a percentage or a fixed amount may be added to the amount of the transaction when it is submitted by the merchant for authorisation.

    The addition of this percentage or fixed amount to the transaction amount authorised by the merchant is called ‘tolerance’. This means that the value of the transaction plus the tolerance percentage or flat amount is reserved (‘ring-fenced’) from your available Card Fund. The table below sets out the typical percentage or fixed rate that may be added to the value of the transaction.

     

    Merchant category

    Tolerance (% of the authorised amount)

    Bars (or other similar drinking places)

    20%

    Restaurants (or other eating places)

    20%

    Automated fuel dispensers

    GB£50 or currency equivalent

     

    For example, you have lunch at a restaurant and the total bill is US$50.00. You are required to have an available Card Fund or Currency equivalent of at least US$60.00 for the transaction to be authorised ($50 + 20% tolerance ($10) = $60.00). You will only be charged for the actual and final amount of the transaction you sign for or validate by PIN.

     

    Please see ‘When I use my Card at a bar, restaurant, petrol station, or for taxi, limousine, and telecommunication services transactions, how long are the funds reserved for and why?’ for further information on this.

     

    Please also see the ‘Using the Card’ section of your Card Terms and Conditions.

  • Q:When I use my Card at a bar, restaurant or petrol station, how long are the funds reserved for and why?

    A:As a merchant may not settle the final bill immediately, tolerance is applied to ensure that there are sufficient funds available when the final bill is settled.

    The amount authorised by the merchant plus the tolerance percentage or fixed amount is reserved from your available Card Fund until the merchant settles the final amount (i.e. payment is requested), at which time the exact final amount is debited from your Card, or for 7 days, whichever is sooner.

     

    If the final settlement amount exceeds the relevant available Currency balance on the Card, the remaining amount will be funded by converting that amount in the order of priority. Please see your Cash Passport Terms and Conditions for further information on the order of priority. The exchange rate used is the rate determined by MasterCard®, to be the wholesale rate in effect on the day the transaction is processed by MasterCard plus the foreign exchange margin (sometimes called foreign exchange fee). Please note that the exchange rate used at the time the transaction is authorised (and the funds are reserved) may be different to the exchange rate used on the day the transaction is settled, however, you will only be charged for the actual and final amount of the transaction you sign for or validate by PIN.

     

    As the merchant may not settle (i.e. ask for payment) the final bill within the 7 days and in some cases may take up to 30 days to settle (at which time the funds are debited from your Cash Passport), we recommend that you check your transaction history regularly via ‘My Account’ and take this into account, including the tolerance, to ensure you have sufficient funds available for your spending. Typically, a merchant will submit the settlement request within 24 hours of you authorising the transaction.

     

    Please see ‘What happens if I do not have sufficient funds available on my Card to cover the value of the transaction plus the tolerance amount?’ for further information on this.

     

    Please also see the ‘Using the Card’ section of your Card Terms and Conditions.

  • Q:Why is tolerance applied to Chip and PIN transactions?

    A:When using your Card at merchants where tolerance is applied, in some locations your Card may be authorised by the merchant prior to you agreeing the final bill, e.g. where you allow your Card to be swiped at a bar to open a tab.

    The amount authorised by the merchant at this time plus the tolerance amount is reserved from your available balance. This is the case whether your Card only has a magnetic stripe or is Chip and PIN. We do not know at the time how a merchant will process a transaction and whether the merchant will initially authorise the transaction and later ask you to sign for or validate the transaction by PIN, together with an additional charge or tip agreed to by you. Therefore, a tolerance is added automatically where the merchant falls into one of the categories listed below.

                                                                                                                                                    

    Merchant category

    Tolerance (% of the authorised amount)

    Bars (or other similar drinking places)

    20%

    Restaurants (or other eating places)

    20%

    Automated fuel dispensers

    GB£50 or currency equivalent

     

    Please also see the ‘Using the Card’ section of your Card Terms and Conditions.

  • Q:How do I change my PIN?

    A:You can change your PIN at any participating UK cash machine.