Certain spending limits apply to your card which are highlighted below.
|Max load value allowed per year||£12,500|
|Max load value allowed per month||£12000|
|Max number of loads per month||30|
|Max balance allowed at any given time||£12000|
|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|
|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||£12,500|
|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|
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.
|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||0.5%|
|Decline at ATM||£0.30|
|Decline at POS||£0.30|
|Bank account loadingN/A|
|Cost to load from a debit card||1%|
|Cost to load from a credit card||N/A|
|Domestic POS transaction usage||FREE|
|International POS transaction usage||FREE|
|Monthly maintenance fee||FREE|
|Card replacement fee||£10.00|
|Cost to reverse a transaction||FREE|
|Card to card transfer||FREE|
We are committed to protecting and respecting your privacy.
This policy sets out:
INFORMATION WE MAY COLLECT FROM YOU
We may collect and process the following data about you provided at the time of requesting goods, services or information from us:
As is true of most web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information, to analyse trends, to administer Our Site, to track users’ movements around Our Site and to gather demographic information about our user base as a whole.
HOW WE USE YOUR INFORMATION
We may use your information as follows:
Please contact us on email@example.com if you do not want your data used in one or more of the ways described above. There is further guidance on this in the ‘Your Rights’ section of this policy.
Full details of these purposes are set out in our notification to the Information Commissioner's Office under the UK Data Protection Act 1998.
DISCLOSURE OF YOUR INFORMATION
We may also disclose your personal data to third parties in the following situations:
We may provide your personal data to companies that provide services to help us with our business activities such as processing payments.
You have the right to access information that is held about you. We will take reasonable steps to verify your identity before providing copies of any relevant materials in order to protect your privacy and security.
You may be entitled to ask us:
In some situations – for example, where we can prove a legal right to process your data – your rights may be limited. In some cases, we may be able to retain your data even if you withdraw your consent. Where we require information to comply with legal or contractual obligations, then provision of such data is mandatory: if such information is not provided, then we will not be able to meet obligations placed on us or manage your transactions on Our Site. In all other cases, provision of requested information is optional.
In the interests of transparency, we are happy to answer any queries relating to how we process your information and resolves any complaints you may have. You are entitled to raise any matter with the relevant data protection authority, but we encourage you to approach us first.
How to exercise your rights
You can correct, change or delete your information in your ‘Account Settings’ page. You can stop receiving our emails by following the unsubscribe instructions included in these emails or accessing the email preferences in your ‘Account Settings’ page. Or to access any of the other above rights, email firstname.lastname@example.org
HOW LONG WE RETAIN YOUR INFORMATION
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements, which in some cases involving the collection and processing of financial data may require a retention period of 7 years (or longer if required by law).
COOKIES and Other Tracking Technologies
HOW WE STORE, PROCESS AND SECURE YOUR INFORMATION
The data that we collect from you may be transferred to, and stored at, a destination inside or outside the European Economic Area ("EEA"). It may also be processed by staff operating inside or outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the fulfilment of your orders, the processing of your payment details and the provision of support services. Access to your information is limited to those who have a need to manage it. Where your information is transferred from the EEA to a country that is not subject to an adequacy decision by the EU Commission, we will seek to ensure that it is adequately protected by (i) ensuring that EU Commission approved standard contractual clauses, an appropriate Privacy Shield certification or a vendor's Processor Binding Corporate Rules are in place or (ii) relying on derogations (e.g. contractual necessity). A copy of the relevant mechanism can be provided for your review on request, using the contact details provided below.
We use secure servers to store all information you provide to us via email or Our Site. The password you choose upon registration will grant your access to certain parts of Our Site and mobile application. You are responsible for keeping this password confidential. We ask you not to share your password with anyone. The security of your personal data is important to us. When you enter sensitive on Our Site, we encrypt the transmission of that information using secure socket layer technology (SSL).
We follow generally accepted standards to protect the personal data submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on Our Site, you can contact us on email@example.com
ADDITIONAL PRIVACY INFORMATION
Blog / Discussions
Our Site offers a publicly accessible blog and community discussions. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal data from our blog or community discussions, contact us at firstname.lastname@example.org. In some cases, we may not be able to remove your personal data, in which case we will let you know if we are unable to do so and why.
If you choose to use our referral service to tell a contact about Our Site, we will ask you for your contact’s name and email address. You must have consent from your contact to provide this information to us. We will automatically send your contact a one-time email inviting him or her to visit the site. Our Site stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program. Your contact may contact us at email@example.com to request that we remove this information from our database.
Links to 3rd Party Sites
Our Site may, from time to time, contain links to and from the websites of our suppliers, partner networks, advertisers, affiliates and other third parties. If you follow a link to any of these websites, please note that these websites should have their own privacy policies and we do not accept any responsibility or liability for these policies or the content or operation of these websites. Please check these policies and the terms of the websites before you submit any personal data to these websites.
You can log in to Our Site using the sign-in service such as LinkedIn, Facebook and Google. These services will authenticate your identity and provide you the option to share certain personal data with us such as your name and email address to pre-populate our sign-up form. Services like LinkedIn, Facebook and Google may give you the option to post information about your activities on Our Site to your profile page to share with others within your network.
You can reach us via email on firstname.lastname@example.org
Office Opening Times:
Mon-Fri - 0900 to 1700 (BST)
Saturday/Sunday - CLOSED
In the event that you wish to see a copy of all of your Personal Data held by us, please write to:
The Data Protection Officer - email@example.com
The competitions that we run are subject to the following rules (unless otherwise specified):
If you do not wish to receive details of future related offers from SWAPX and selected third parties please inform us along with your name and address in writing to: SWAPX Ltd, 91 Brick Lane, London E1 6QL or contact firstname.lastname@example.org.