Are there any fees for using my card?

There are no application or monthly fees for using your card, and spending abroad on your card is free for certain transactions and subject to our fair usage policy.
However, some fees apply for certain transactions which are illustrated below.

Fees
Activation Fee £2.50
Domestic ATM withdrawal £1.50
International ATM withdrawal £1.50
ATM enquiry (free with app) £0.30
Dynamic SWAP at ATM or POS from GBP or EURO to other currencies 1%
Decline at ATM £0.30
Decline at POS £0.30
Bank account loading Not available
Cost to load from a debit card 1%
Cost to load from a credit card Not available
Domestic POS transaction usage FREE
International POS transaction usage FREE
Monthly maintenance fee FREE
Account closure FREE
Card replacement fee £10.00
Cost to reverse a transaction FREE
Card to card transfer FREE
Add cardholder £5.00
Unload fee 3%
Limits

What limits apply to my SWAPX Prepaid Mastercard?

Certain spending limits apply to your card which are highlighted below.

LOADING

Max load value allowed per year £20,000
Max load value allowed per month £12,000
Max number of loads per month 30
Max balance allowed at any given time £12,000
Min load value allowed per individual load £50
Max value allowed per load £2000
Max number of loads allowed per day 2
Max load value per day £4000
ATM USAGE
Max daily ATM withdrawal in the UK for UK customers £20
Max ATM withdrawal allowed in a year £7,500
Max ATM withdrawal allowed per month £4000
Max number of ATM transactions allowed per month 30
Max ATM withdrawal value allowed per day £500
Max ATM withdrawal value allowed in a single transaction £250
Min ATM withdrawal value allowed per single transaction £10
Max number of ATM transactions allowed per day 2
POS / ONLINE
Max purchase value allowed per year £20,000
Max purchase value allowed per month £6000
Max number of purchases allowed per month 200
Min purchase value allowed per individual transaction £0
Max purchase value allowed per individual transaction £4000
Max number of purchases allowed per day 20
Max purchase value per day £4000

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‘SWAPX app’ - Download after your account is open

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