You must be 18 years of age or over.
You need to provide proof of your identity and address so, before applying, please have the following details available: Your full name, address, mobile number, email address and date of birth. Adding your passport and/or driving license details can speed up your application.
A fee of £5.00 applies. This will be debited from your credEcardplus account.
Yes, you can order an additional card for a family member, partner or friend, provided that the additional cardholder is 13 years or over.
You can request an additional card on your e-account when your account is active. There is a £5.00 fee for an additional card and only one additional card per account is allowed.
Yes, there is a £5 card issue fee which will be debited to you credEcardplus account.
No. By activating your card you are agreeing to the terms and conditions of the account. The terms and conditions will be sent to you with your card. They can also be viewed via your online account and on this website.
No, credEcardplus is a prepaid card and does not offer an overdraft facility; you can only spend what is loaded onto the card. It offers many of the same features such as a UK account number and sort code and can be used anywhere that displays the Visa acceptance mark. Your online account can be used in a similar way to other online banking accounts however it offers no direct debit facility.
There are no hidden charges and you can view the fees here.
Please note that credEcardplus prepaid card is an electronic money product and although it is a product regulated by the Financial Services Authority, it is not covered by the Financial Services Compensation Scheme. We ensure that any funds received by you are held in a segregated account so that in the unlikely event that Contis Financial Services Ltd becomes insolvent, your funds will be protected against claims made my creditors.
Subject to a valid identity check, your card will arrive by post to the address supplied on your application within 10 working days.
You will receive a 3 digit activation code by text and email, to activate the card you will need to do one of the following:
- Telephone 0844 412 1717 (calls cost 5.105p per minute plus network extras), choose option 2 and follow the instructions. Choosing this option means you can retrieve your PIN at the same time.
- Text ACTIVATE along with the last four digits of the card number and your activation code to 07770 500 500 (your text message should look like this: ACTIVATE 1234 983)
- Log into your online account and follow the activation instructions provided
To retrieve your PIN you need to telephone 0844 412 1717 (calls cost 5.105p per minute plus network extras), choose option 2 and follow the instructions.
You can start using your card as soon as it has been activated and funds have been loaded onto the card.
Once your account is opened you will be sent an email with your username and password. You can then login via the 'login' button on this website.
You can do the following on your credEcardplus e-account:
- View and print statements
- Pay bills *
- Transfer money to other accounts
- Set up standing orders *
- Request an additional card for a family member or friend *
- Refer a friend
- Update your personal details
- View your agreed credEcardplus account Terms and Conditions
- Report your card lost or stolen
* GBP card only
Yes, you can pay individual bills and, if your utility provider accepts Standing Order payments then you can set this up to make regular payments from your e-account. You cannot set up Direct Debits on your credEcardplus account.
To load / top-up your account with cash at a PayPoint location, please take your card to any PayPoint retailer and hand it over along with the money you want to put on it. The retailer will swipe the card through their terminal and load your card with money. The cash will be on your card immediately.
If you prefer, you can print out your PayPoint top-up slip (with barcode) from within your online account, take it to a PayPoint retailer and give the slip with your cash and your money will be in your account within 24-36 hours. You can give the PayPoint top-up slip to anyone as it is unique to you and can only be used to deposit money.
To find your nearest PayPoint retailer, click here
Alternatively you can transfer money from another account or have your wages, benefits or a loan paid onto your card. You will need to provide the following details to your employer or the company / person transferring the money:
|Account Name:||Name on the account|
|Account Number:||8 digit account number*|
|Bank Name:||Natwest Bank, Exchange Buildings, High Street, Skipton, BD23 1JL|
|* available within online account or from Customer Services following completion of application|
|Topping up via bank transfer is free.|
Paypoint: Funds loaded using your card are available immediately. Funds loaded using your unique bar code are available 24 – 36 hours after the transaction. (See fees page for charge and maximum load.)
Bank transfers: For payments into the account we will load them on the day we receive the funds.
- Future dated bank transfer – up to 3 days (FREE)
- Next day bank transfer (request before 5pm) – next day (£2 charge)
- CHAPS (request before 2.30pm) – same day (£12 charge)
You can set up e-mail and / or SMS alerts to advise you when you have received a payment into your account. These alerts are instant, you will receive them as soon as funds are received.
You can use your credEcardplus card wherever you see the Visa acceptance mark, including shops, restaurants, online and for telephone or tv shopping. You can withdraw cash at ATMs and request cashback at most supermarkets. Please see fees page for information on charges.
You can withdraw cash from an ATM using your card and PIN. There is a small fixed fee per withdrawal (Please see fees page for more information) and some ATM operators may add an extra fee for each withdrawal. You can also get cashback, free of charge, at most supermarkets.
Yes, your card can be used worldwide – wherever you see the Visa acceptance mark. Please see fees page for information on international transactions.
The retailer will use the same return policy they have for any Visa card – this could be crediting your card, providing a cash refund or offering a store credit.
No, you will not earn interest on your account balance.
If you lose your card or it is stolen, or you suspect that your PIN or password is known to an unauthorised person, you must tell us immediately either by logging on to your e-account to notify us or by calling us on +44 1756 693 275. Your Prepaid Card will immediately be cancelled and we will arrange for a new card to be sent to you.
There is a £10.00 charge for reissuing the card and PIN.
If you subsequently find the card, please don’t use it - cut it in half through the signature box, magnetic strip and CHIP.
Yes, please let us know as soon as possible if you change name, address, telephone number, mobile number or e-mail address. You can do this by logging into your e-account and updating your personal details or by telephoning our customer services team. Evidence of a name change is required (e.g. marriage licence).
You can cancel your card up to 14 days from the date you purchase it without incurring any penalty or charge. Your card is valid for 36 months but you can cancel at any time by calling customer services (please see fees page for cancellation charges).
You can contact us by email at firstname.lastname@example.org or 0844 412 1717 or +44 1756 693590 (If outside UK) calls cost 5.105p per minute plus network extras, between 8.30am to 6pm Monday to Friday, and 8.30am to 5pm Saturday (excluding public holidays).
You can also write to us at credEcardplus, Navigation House, Belmont Wharf, Skipton, North Yorkshire BD23 1RL
To load/top up your USD/EUR/GBP card with a different currency, login to your eFX Solutions account and complete your FX trade and select the relevant credEcardplus onward payment account details.