Help & FAQs

It’s not a credit card, charge card or debit card, although you use it in exactly the same way to shop online, over the phone and in stores.

It’s a prepaid MasterCard, which means you load money onto the card before you shop. When your funds are running low, you simply top up again.

You don’t have to have a bank account to own a Premium Prepaid MasterCard, and there are no credit checks.

A Premium Prepaid MasterCard is ideal for having your wages paid directly on to the card account, shopping online, by phone or mail order if you don't have, can't get, or don't want a credit card.

It's also handy for travelling, as it's safer than carrying cash. And if you've got family members travelling or living abroad, it's easy to top them up from home to keep them going. Plus it's a great alternative to old-fashioned pocket money.

You don't need a bank account to get one, and it's great for keeping a lid on temptation, as you can never spend more than you've got. It also has PIN and fraud protection like a credit card*, and is accepted wherever you see the MasterCard Acceptance Mark.

* Although it's like a credit card, a prepaid MasterCard doesn't offer the additional card protection on purchases that credit cards offer.

Premium Prepaid MasterCard is not a debit or credit card. There is no credit check so even if you have a poor credit history you can still get a card. When you use your Premium Prepaid MasterCard, you are spending money you have already topped up onto your Premium Prepaid MasterCard, meaning all your purchases are paid for. The Premium Prepaid MasterCard is a payment card that works like a pay as you go phone – you need to put money on it before you can use it. When you use a debit card, you are using money linked to a bank account and when you use a credit card you buy now and pay later. With a Premium Prepaid MasterCard you only spend the money you have loaded on your card.

You can use your Premium Prepaid MasterCard at over 28 million retail outlets and cash machine locations worldwide, wherever the MasterCard Acceptance Mark is displayed.

Yes - Premium Prepaid MasterCard is Chip and PIN protected for added security. You will receive a Personal Identification Number (PIN) which you use with your Premium Prepaid MasterCard to get cash from any cash machine displaying the MasterCard Acceptance Mark or to purchase goods or services at merchants. For your peace of mind, your money is held safely at Barclays Bank Plc. If you lose your card - your funds, PIN and the card itself will be replaced in accordance with the Terms and Conditions.

To help the planet, we don't send out monthly printed statements but if you would like a statement posted to you, just give us a call on 0845 505 8880. Please note, there’s a fee of £5.00 for each statement you request, charged to your Prepaid Card.

Don’t forget though, you can check your statements and print them off for free anytime online, when you enrol for online service. Just click on ‘My Account’ at the top right of the screen.

Small charges apply when using Premium Card and our Terms and Conditions can be downloaded for a full charges breakdown.

Download Premium Pay As You Go terms and conditions.

Download Premium Monthly terms and conditions.

Download Corporate terms and Conditions

You can load money onto your card wherever you see the PayPoint logo. You'll see it in certain shops and petrol garages near you. There are over 16,000 places around the UK with PayPoint service. Just look for his logo:

Or to make things easier, find your nearest PayPoint agent before you go out.

If you've got your card, hand it over along with the money you want to put on it. The shop assistant will put your details into the PayPoint machine and the funds are immediately loaded onto your card.

Unlike credit cards, a Prepaid Card application isn't dependent on credit checks or earnings, so, subject to ID verification by your employer, there's 100% acceptance.

Just speak to you employer or HR department for more information on applying for a Premium Prepaid MasterCard. They will do the rest! Please keep in mind it can take up to 10 days to receive your card.

Please allow up to 10 days for your card to arrive.

No - Premium Prepaid MasterCard is designed specifically for people without a bank account.

No – your employer completes your application on your behalf.

No.

We provide you with your PIN when you give us a quick call on 0845 505 8880 to activate your card.

Up to four additional cards can be provided to allow your friends or family to access the funds on your Premium Prepaid MasterCard in exactly the same way as the original card.

To activate your card, please call us on 0845 505 8880. (Don’t forget to sign the back of your card as soon as it arrives.)

First thing is to sign the back of the card, then call us on 0845 505 8880 to activate it.

You can - see details below in 'How do I top up my card, and is there a charge?'

How do I top up my card and is there a charge?

Load your card	Approx. working  days it takes for funds to reach your card	Cost
At any Post Office®	1	3%
By debit card at premiumpayrollcard.co.uk	3	FREE (Maximum top-up £2000)
Payroll / Wage Transfers	3	FREE
By credit card at premiumpayrollcard.co.uk	3	2.5%  Minimum fee 2 maximum top-up £500)
At any shop or petrol garage where you see the PayPoint™ logo	Immediate	3%

To top up by direct transfer from a bank account, simply login to your 'My Account' or contact Customer Services. Access to My Account online is free, calls to Customer Services are charged at £1 per minute

Payment reference: The 14 digit account number on the back (top left) of your card (NB:you must include this).

Debit or credit cards used to load money onto your Premium Prepaid MasterCard using our online service might need to be registered with your bank for 'MasterCard Secure Code' or 'Verified by Visa'.

You will notice your new card has ‘for electronic use only’ written on the bottom right hand corner. This doesn't affect using it online, over the phone or at a cash machine. It simply means that when you are out shopping it can only be used in the normal electronic terminals you find in the UK and elsewhere.
The card can’t be used in the older manual sliding style of card machines, as it doesn’t feature raised numbers. And you may find you can't use it on a plane or a train as there may not be an electronic connection available.

Yes - you can change your PIN when you first use your card at an ATM by following the on-screen instructions.

Yes - the cost of cash withdrawals is £0.99 on the 'Pay as you Go' tariff, and £0.99 for the 'Pay Monthly' tariff.

Yes - £250, although some ATMs may have lower withdrawal limits.

Yes - the limits are:

• Credit/Debit Card: You can top up your card online using a debit or a credit card to a maximum value of £500 per day and a minimum top up value of £20.
• Post Office: You can top up your Card to a maximum of £500 per day and a minimum of £10 at any Post Office
• PayPoint™: You can top up your Card to a maximum of £499 per day and a minimum of £10
• 360 Money: The maximum 360money e-voucher top up at any one PayPoint outlet is £100 and the minimum is £10

Spend on it just like you would a credit card* and use it wherever you see the MasterCard Acceptance Mark. Use it to shop safely online, by phone and on the High Street.*Although it's like a credit card, a Prepaid MasterCard doesn't offer the additional card protection on purchases that credit cards offer.

You can use your Prepaid Card at millions of places worldwide.

In fact, MasterCard is accepted in 29 million locations worldwide.

The charges for overseas transactions and cash withdrawals are:

	Pay as you go	Pay monthly
Overseas card transaction	3%	3%
Overseas cash withdrawal	3% + £0.99	3% + £0.99

If you have a family member living or travelling abroad and you want to share money with them regularly, all you need is an additional card on your account.

The first additional card is FREE, and each card thereafter will cost £10.00. When their card arrives, your relative should phone to activate the card and get their PIN. If they’re already abroad, you’ll need to forward the additional card overseas first.

Then you’re all set – to share money you simply load it onto your card in this country and the additional card will have access to those funds wherever in the world it may be.

You can check your balance simply by calling 0845 505 8880 or visiting premiumpayrollcard.co.uk and clicking on My Account.

It's really easy to set up and only takes a few minutes - just answer a few security questions and you're away. Then you can check your balance, see statements, load funds and update your details.

In this instance, money will be deferred to next month and your account will be deactivated until payment is received.

You should give the main card holder’s address which is the address given at application.

Yes – use it anywhere MasterCard is accepted. Please refer to Terms and Conditions for details of charges.

It depends on how you choose to load up your card:

• PayPoint™ top ups are available to spend immediately on your card.
• Post Office top ups take 1 business day.
• Credit and debit cards take up to 3 business days.
• Wage (salary) transfers from your employer take 3 business days.

Your employer can pay your wages directly onto your Premium Prepaid MasterCard. Then you can spend it like cash. Simple.

You can have up to £15,000 on your card at any time, with a maximum of £15,000 for all cards in your household*.

To get your daily, weekly or monthly wage put onto your card, just speak to your employer or print off this form and complete it, and give it to your employer. Your wages will be transferred directly to your card within 3 days - for free.

You can check they’ve gone onto your card by looking at your balance online.

The first payment will be debited from your card when you make your first top-up. Your monthly payments will then be taken on that date each month. (Though if you top up after the 28th of the month, your payment date will be the first of the month.)

If there isn’t enough money on your card to pay the monthly fee, you won’t be able to use your card until you top up again. When you next top-up, the full £4.95 will be debited and you will then be billed each month on this date instead.

Please note, if we are unable to collect your monthly fee we reserve the right to move you onto the ‘Pay as you Go’ tariff.

Yes* - up to four in fact. Maybe you want each member of your family to have a card for emergencies, or you'd like to budget across separate cards.

The first additional card is free thereafter it costs £10.00 for each additional card and you can have up to £15,000 across all your cards, with a maximum of £15,000 on any one card*.

You can order additional cards through online service once you have received your main card and created your 'My Account' online.

*Subject to ID verification of main cardholder.

Yes. Simply register your mobile phone number in your details section of My Account. Then you can text the word ‘balance’ along with your 14-digit account number found on the back of the card or in My Account to 81025. Please see your Terms and Conditions for any fees that may apply.

You can block their account by visiting premiumpayrollcard.co.uk or calling 0845 505 8880*. After putting the block on, we will then order a new card and issue a replacement as soon as possible. *Calls to Customer Services will be charged at £1 per minute.

If your card gets lost or stolen, call us on 0845 505 8880* and we’ll block it so it can’t be used. Then we’ll transfer the funds onto a replacement card and get that sent out to you within 7 days. A charge of £4.95 will then be debited from your balance for the replacement card. *Calls to Customer Services will be charged at £1 per minute

You can contact Customer Services by email at premiumcard@360money.com. Alternatively calls to Customer Services on 0845 505 8880, are charged at £1 per minute.

You can contact Customer Services by email at premiumcard@360money.com. Alternatively calls to Customer Services on 0845 505 8880, are charged at £1 per minute.

You can contact Customer Services by email at premiumcard@360money.com. Alternatively calls to Customer Services on 0845 505 8880, are charged at £1 per minute.

If your employer requests, we will issue a new card to replace the expiring card.

Call Customer Services on 0845 505 8880 or refer to your 'My Account'. Cancellation fees may apply.

You can update your details on your 'My Account'.