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Products

Our wide range of products, services and benefits is designed to appeal to a broad spectrum of people – and businesses.

 

Consumer

Our cards are helping all sorts of people in lots of ways, including:

• Online shopping – we offer a secure way to pay, plus the reassurance of free Purchase Protection
• Credit repair – customers can add Creditbuilder™† at no extra cost, a feature that’s designed to establish or improve their credit rating
• Debt management – whatever the customer’s current credit rating, as long as they’re over 18, live in the UK and can pass Know Your Customer checks, they can open an account with us
• Alternative to a bank account – wages can be paid straight to the card’s account and standing orders can be set up to pay regular bills
• Travelling – our Sterling, Euro and US Dollar cards offer a safe, easy way to access money abroad
• Gambling – a convenient way to wager online – and the winnings can be paid directly to the cardholder’s account

The product range includes:

• Prepaid general purpose sterling card
• Currency cards, both Euro and US Dollar
• Instant issue cards for immediate cash disbursement

A non-personalised and non-embossed card can be issued at the point of sale. The customer can then replace this with a personalised and embossed card by requesting an upgrade in the secure online Members’ Area.

Alternatively, customers can apply via an instant approval website for an embossed, personalised chip and PIN prepaid MasterCard.

All the cards can be self-serviced via a cardholder website, called a Members' Area, or via the phone-based Cashplus customer service centre.

Both the cardholder website and Cashplus Customer Service centre can be easily rebranded to handle multiple company requirements. Once the customer’s account is up and running, they can add on award-winning valuable extras, including Creditbuilder and iAdvance†.

Pricing plans on general purpose prepaid cards

Cashplus offers a range of pricing plans to satisfy individual customer needs, all of which make a great alternative to a credit or debit card:

Monthly account

• Free unlimited UK purchases over the internet, phone and in-store
• No fee if no balance
• Creditbuilder at no extra cost
• Cashback rewards
• Free Purchase Protection
• ATM withdrawals – without fees
• Free linked currency cards (Euro & US Dollar)

Annual account

• Pay a small one off fee for a whole year’s use in advance
• Free unlimited UK purchase transactions over the internet, phone and in-store
• Cashback rewards
• Free Purchase Protection
• ATM withdrawals – without monthly fees
• Free linked currency cards (Euro and US Dollar)

Monthly fee-free account

• No monthly fee when the account is topped up with a defined minimum amount every month
• Cashback rewards
• Free Purchase Protection
• ATM withdrawals – without monthly fees
• Free linked currency cards (Euro and US Dollar)

Pay as you go account

• A small fee for each purchase or transaction
• Cashback rewards
• Free Purchase Protection

Currency cards

Once a cardholder has opened a sterling account, they can then choose to add a free currency account – Euro and US Dollar – which is linked to the Sterling account.

The advantage for the customer is that they can then conveniently move money from their sterling account to their currency account, online, wherever they happen to be. They can also purchase Euros or US Dollars at Money Shop stores, and have them loaded onto their currency cards. The money is usually available in the card’s account in around just 30 minutes.

They can then use the currency card abroad for everything from paying for a hotel booking to withdrawing cash from an ATM in the local currency.

Cirrus^© cards

The ‘ATM’ only Cirrus brand assures cardholders of worldwide cash access. Cardholders can get immediate access to funds, withdrawn in the local currency when travelling abroad. Nearly every major airport in the world has ATMs that accept Cirrus. Cirrus cards use a PIN to authorise each transaction. These instant issue, non-personalised cards are provided in nearly 1,000 retail stores today.

^†Creditbuilder and iAdvance are provided by Advanced Payment Solutions Ltd (APS) Creditbuilder is only available with monthly price plans. APS Consumer Credit Licence No. 0608377.

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