ClearCash Features

Most of us exchange our travel money at the last minute, either on the high street, at the airport in the UK or by using a bank card at cash machines when we reach our destination.

If you have the time to exchange money on the high street, it can be expensive and you’ll probably have to queue. Worst of all, if you lose your cash or it’s stolen, you probably won’t get it back.

Through our partnership with APS, we are able to offer you the FREE Cashplus currency cards*.

Once you’ve set up a ClearCash prepaid MasterCard^® card, you can order your Euro and US Dollar cards for:

• No commissions
• Excellent exchange rates
• No € or US Dollar purchase transaction fees^♦
• No monthly fees for currency cards
• No ATM fees^♦

And unlike with cash, if you lose your card your money is safe – we’ll replace the card and the money on it, as long as you use your card in line with our terms and conditions.

If you’re already a ClearCash cardholder with a Total Access account, getting your currency cards is very quick and easy:

1. Login to the Members’ Area
2. Click on the ‘Foreign Currency Card’ button
3. Confirm your personal details
4. Select ‘Euro card’ or ‘US Dollar card’ and apply
5. Your new Euro Card will be with you in 3-5 working days

(If you don’t already have a ClearCash card, click here to apply and once your account’s set up, follow steps 1-5 above.)

Getting currency has never been easier

Once you have your Euro or US Dollar card(s), loading currency is simple. You can load in two easy ways:

• Online through the Members’ Area from anywhere in the world with internet access
• Take your Sterling to any of over 300 Money Shop stores throughout the UK, where they’ll exchange your money and load it to your currency card account for you

How to transfer

• Login to the Members’ Area and visit the Foreign Currency Card
• Select ‘Make a transfer’ and enter the amount you want to transfer
• Once you’ve exchanged your money it’s usually available within 30 minutes
• You can top up to a maximum balance of €5,000 or $7,500
• At the end of your travels you can save your funds for your next trip, or transfer your money back to Sterling

Alternatively, pop into any of over 300 Money Shop stores. If you have Sterling and want to load currency directly to your account, just exchange your money in store and top up your Euro card with Euros and your Dollar card with US Dollars.

Your money will usually be available to spend in your currency card’s account within just 30 minutes.

Order your free currency card

Through our partnership with APS, we are able to introduce you to the Cashplus Business Account, which is specifically designed for customers that do not require an overdraft. Unlike any other business account on the market, this account is available without credit checks!

This business account is THE alternative to a traditional high street account, as it comes with a number of unique features:

• No credit check required to open an account
• Apply online in minutes – no paper application or face to face interview required
• Low and transparent pricing -only £29.99 per year and £2 per ATM withdrawal

The prepaid business account works in much the same way as a high street business bank account, except that there are no high street branches and the account doesn’t come with a cheque clearing facility or cheque book.

The account will be in your business name, so you’ll be able to invoice clients in your business name as you would with any high street bank.

What’s more, by ordering additional cards with the account, the product is also a fantastic expense card solution and corporate credit card alternative – whether your business requires 1 or 100 expense cards.

It comes at just £29.99 per year and there are no monthly fees or online banking charges whatsoever. The card also charges an ATM withdrawal fee of £2.00 per ATM withdrawal.

You’re only a few clicks away from enjoying the following benefits:

• No account set up fee (you simply pay the first annual fee of £29.99)
• No monthly fee
• Free to send and receive bank transfers
• Free to set up Direct Debits and Standing Orders
• Free to pay in cash at over 14,000 locations nationwide – including the Post Office®
• Free to use the MasterCard® card that comes with the account for purchases in the UK
• Free Online Banking – download statements, block cards, make bank payments

ClearCashback.co.uk is an exclusive shopping discount website for cardholders of the ClearCash Prepaid MasterCard card.

Fabulous discounts from high street favourites.

ClearCashback can be an easy way to save as you spend.

Simply sign up, start shopping online using the ClearCashback links and you can receive cashback directly onto your ClearCash card.

ClearCashback is completely FREE to use as a ClearCash cardholder.

Refer a friend to register and you could earn even more cashback!

Please ensure you read the terms and conditions of the ClearCashback website which you can view here.

Applying for a ClearCash Prepaid MasterCard card is easy and hassle free.

• No credit checks
• 100% approval subject to being resident in the UK and age 18 and over*

Many clients choose to use the ClearCash card and icount as their sole banking facility.

Your ClearCash card offers you the convenience of 32 million locations worldwide wherever the MasterCard Acceptance Mark is displayed.

As with a basic bank account, ClearCash allows you to receive and make one off payments as well as setting up Direct Debits and standing orders.

With ClearCash, you have some of the benefits of a standard bank account.

More Sign up

As a holder of a ClearCash prepaid MasterCard card you can request SMS text alerts to your mobile phone. Here’s how:

TEXT:

BALANCE to +447797 800 601 – to get your balance details
LASTTRANS to +447797 800 601 – to get your last five transactions
STATUS to +447797 800 601 – to check up on the status of your application

Each SMS text alert costs your usual network tariff plus 25p which will be charged to your mobile phone.

Please note the text will be sent by Cashplus on our behalf.

You will receive a FREE SMS text alert from Cashplus to notify you of successful card loadings made via a Post Office branch, by phone, online or by wages payment.

More Sign up

ClearCash prepaid MasterCard cardholders benefit from FREE Purchase Protection on purchases made using the ClearCash Prepaid MasterCard card, whether you buy online, over the phone or in store.

You are protected against the following:

• The purchase of goods from a company which goes into receivership or administration before you have received them
• A faulty or damaged purchase
• Goods which don’t arrive
• Your purchase not matching what you ordered

Using your ClearCash card offers more protection for you than paying by cash or a debit card as it can be more difficult to obtain a refund in the above circumstances if you paid using these other methods.

ClearCash’s Direct Debit service provided by APS who market under the Cashplus brand is a convenient way to pay your bills. Many organisations offer discounts to customers who pay by Direct Debit so this service could help you make savings too.

These following bonus features make the Direct Debit service more rewarding:

• Insufficient fund alerts
  If you are running low on funds in your icount and have a Direct Debit payment due, we will alert you in advance to give you time to top up.
• No Penalty Fees
  If a Direct Debit payment bounces, we don’t charge you a penalty fee, meaning you could be saving as much as £25 per unpaid Direct Debit.
• Debit Protect™† – as a cardholder of an APS operated card, customers can be automatically approved for an instant  loan of up to £1,000, guaranteed to cover a Direct Debit payment if you’re short. Check the Members’ Area to see if you’re already approved or look out for a text or email from us.

How to set up a Direct Debit

Most organisations provide you with instructions on how to set up a Direct Debit with them. In order to set up a Direct Debit you will need the following information:

• Your unique Account Number (If you’re an existing customer, you’ll find this in the online Members’ Area under ‘Account details’, on your card or on the account documentation you received with the card)
• The Sort Code: (08-71-99)
• ‘Bank name’: APS Financial Ltd, the company that issued and operates the card on our behalf
• ‘Bank address’: PO Box 52768, London, EC3P 3WR

You will receive an email confirmation each time you set up a Direct Debit.

Standing Orders and Bill Payments

In addition to Direct Debits, ClearCash can also help you set up Standing Orders and manage your bill payments. Click Here to read more about bill payment services.

Sign up for a ClearCash prepaid MasterCard now and you can make use of the Direct Debit and bill payment services.

*Subject to terms and conditions, available online, including applicant providing acceptable ID, being resident in the UK, & aged 18 years+. Card and usage fees apply. ClearCash is issued by APS Financial Ltd (AFL) pursuant to license by MasterCard International Incorporated. AFL is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money. Cards are serviced by Advanced Payment Solutions Ltd (APS) which operates the card on behalf of AFL. AFL and APS registered address is 6th Floor, One London Wall, London EC2Y 5EB. Registered in England and Wales under company numbers 06029941 & 04947027 respectively. Cashplus is a registered trademark of APS. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. The Post Office® and Post Office symbol are registered trademarks of Post Office Ltd.

and   are registered trademarks of and provided by APS under Consumer Credit Licence No.0608377. Creditbuilder is only available with monthly pricing plans. Debit Protect is subject to approval.

© 2013 ClearCash Limited, Nelson House, Park Road, Timperley, Cheshire, WA14 5BZ: Registered in England No. 2441375

**Calls will cost 10p per minute from BT landlines and may be recorded. Call charges from other networks or from outside the UK may vary.

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Did you know that you can now have up to four additional cardholders registered to your ClearCash icount?

Once you have activated and loaded funds onto your ClearCash card, you can order additional cards by logging into the online Members’ Area. As the main cardholder, you will be able to keep a track of all spending made on the additional cards.

Here are some of the benefits of adding extra cardholders to your icount.

• Add your partner as a cardholder to manage household budgeting
• Great for travel – many cardholders use their ClearCash card for booking flights and holidays
• Use additional cards to track family expenses
• Emergency use – many cardholders find comfort in giving companion cards to family members to ensure they have access to available funds in an emergency
• Additional cards can be used for teenagers and students – adding more security so they’re not having to carry cash around with them, and to enable you to budget their weekly/monthly spend.  Additional cards are available to anyone aged 13 or over.

You could improve your credit rating through Creditbuilder

Total Access Pay Monthly cardholders can sign up for this service which could improve your credit rating by up to 40%.

If you have a poor credit rating due to missed loan or credit card repayments, have CCJs on your account, or if you haven’t established a credit profile yet, then Creditbuilder could help you.

Using Creditbuilder whilst maintaining your other credit repayments could help improve your credit rating.

Find out more about Creditbuilder and apply for a ClearCash Prepaid MasterCard card here:

Loading funds to your ClearCash card is easy.

Choose from any method below.

Fees apply to some of these cardloading options, click on each item for further information.