Once your account is opened you will be sent an email with your username and password. You can then login via the ‘login’ button on this website.

Subject to payment being received and a valid identity check, your card will arrive by post to the address supplied on your application within 10 working days.

Yes, there is a £10 card issue fee which you can pay during the application process by:

• Text message
• Printing the PayPoint slip (with barcode) and taking it to your local PayPoint outlet
• Debit/Credit card

No. By activating your card you are agreeing to the terms and conditions of the account. The terms and conditions will be sent to you with your card. They can also be viewed via your online account and on this website.

Yes, you can order an additional card for a family member, partner or friend at the time of application, provided that the additional cardholder is 13 years or over.

Alternatively, you can request an additional card on your e-account when your account is active. There is a £10 fee for an additional card and only one additional card per account is allowed.

You must be 18 years of age or over.

You need to provide proof of your identity and address so, before applying, please have the following details available: Your full name, address, mobile number, email address and date of birth. Adding your passport and/or driving license details can speed up your application. A fee of £10.00 applies. You can apply for a card and either pay by text message, print a barcode coupon and pay at your local PayPoint outlet, or by Credit/Debit Card via NoChex.

You can start using your card as soon as it has been activated and funds have been loaded onto the card.

You will receive a 3 digit activation code by text and email, to activate the card you will need to do one of the following:

• Telephone 0844 412 1717 (calls cost 5.105p per minute plus network extras), choose option 2 and follow the instructions. Choosing this option means you can retrieve your PIN at the same time.
• Text ACTIVATE along with the last four digits of the card number and your activation code to 07770 500 500 (your text message should look like this: ACTIVATE 1234 983)
• Log into your online account and follow the activation instructions provided

All calculations are automated so if there is an issue please email us at: customerservices@credecard.com or call us on 0844 412 1717* and we’ll do our best to sort it for you.

*Calls cost 5.105p per minute plus network extras.

On the 28th of each month we calculate how much you have spent on your card from our partner retailers up to 24th of the month. The percentage rebate is then transferred to your card on the 28th of the next month. This ensures that you receive the correct funds to your card on the same date each month.

For information on Online Rewards cashback rebates, see the Online Rewards section below.

Yes, once the funds have been transferred to your card you can do whatever you want with them. All transactions will bear exactly the same fees as any credEcardplus transaction.

Your credEcardplus can be used at ASDA Petrol Stations when you pay at a kiosk and you can earn a Cashback Rebate in the normal way. However you can’t use your credEcardplus at pay at pumps

Yes, we are continually working to add retailers to the scheme so that our cardholders get best value every time they use their credEcardplus prepaid Visa card. Retailers can also be removed from a scheme. You will find the most up-to-date list on our website.

Payment for the rewards earned on both cards will be received onto your account for both cards to access.

All %’s are shown within your account portal. Please login into your account.

Delivered by JAM is the brand used by Intelligent Card Solutions Ltd and our partner who delivers credEcardplus rewards.

To load / top-up your account with cash at a PayPoint location, please take your card to any PayPoint retailer and hand it over along with the money you want to put on it. The retailer will swipe the card through their terminal and load your card with money. The cash will be on your card immediately.

If you prefer, you can print out your PayPoint top-up slip (with barcode) from within your online account, take it to a PayPoint retailer and give the slip with your cash and your money will be in your account within 24-36 hours. You can give the PayPoint top-up slip to anyone as it is unique to you and can only be used to deposit money.

Alternatively you can transfer money from another account or have your wages, benefits or a loan paid onto your card. You will need to provide the following details to your employer or the company / person transferring the money:

Account Name: Name on the account
Account Number: 8 digit account number*
Sort Code: 62-30-53
Bank Name: Natwest Bank, Exchange Buildings, High Street, Skipton, BD23 1JL
* available within online account or from Customer Services following completion of application

Topping up via bank transfer is free.

Paypoint: Funds loaded using your card are available immediately. Funds loaded using your unique bar code are available 24 – 36 hours after the transaction. (See fees page for charge and maximum load.)

Bank transfers: For payments into the account we will load them on the day we receive the funds.

Future dated bank transfer – up to 3 working days (FREE)
Next day bank transfer (request before 5pm) – next working day (£3 charge)
CHAPS (request before 2.30pm) – same day (£15 charge)

Yes, your card can be used worldwide – wherever you see the Visa acceptance mark. Please see fees page for information on international transactions.

All you need to do is log in to your credEcardplus account and click the rewards button – you will then be taken to the rewards website.

Your online discounts come in a couple of forms which you’ll see in the offer’s description. You can save by entering the special discount code provided once you’ve linked through to the retailer’s online store and you can also use offer links that have the discount applied automatically.

Yes, many of our online partners offer cashback on their products and services. You could get a fixed amount paid back or even a percentage of your purchases dependant on the retailer, just follow the instructions on the offer page and shop online as usual. The cashback amount will soon be displayed in your Online Rewards account.

Yes, when you make a purchase using the links from the Online Rewards website, the cashback you have earned will be added to the ‘my cashback’ section in your Online Rewards account.

Depending on the merchant, reporting can take between 24 hours to two weeks before appearing in your account.

Your cashback rebate will be transferred directly into your credEcardplus account every 3 months (January, April, July and October).

They are located within your credEcardplus account, just log in to your account and go to the rewards page.

Yes, please let us know as soon as possible if you change name, address, telephone number, mobile number or e-mail address. You can do this by logging into your e-account and updating your personal details or by telephoning our customer services team. Evidence of a name change is required (e.g. marriage licence).

You can cancel your card up to 14 days from the date you purchase it without incurring any penalty or charge. Your card is valid for 36 months but you can cancel at any time by calling customer services (please see fees page for cancellation charges).

You can contact us by email at customerservices@credecard.com or 0844 412 1717 (calls cost 5.105p per minute plus network extras) between 8:00am-8:00pm Monday to Friday & 8:00am-4:00pm on Saturday (excluding public holidays). You can also write to us at credEcardplus, Navigation House, Belmont Wharf, Skipton, North Yorkshire BD23 1RL

No, credEcardplus is a prepaid card and does not offer an overdraft facility; you can only spend what is loaded onto the card. It offers many of the same features such as a UK account number and sort code and can be used anywhere that displays the Visa acceptance mark. Your online account can be used in a similar way to other online banking accounts however it offers no direct debit facility.

There are no hidden charges and you can view the fees here.

Please note that credEcardplus prepaid card is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. We ensure that any funds received by you are held in a segregated account so that in the unlikely event that Contis Financial Services Ltd becomes insolvent, your funds will be protected against claims made my creditors.

To retrieve your PIN you need to telephone 0844 412 1717 (calls cost 5.105p per minute plus network extras), choose option 2 and follow the instructions.

Yes, you can pay individual bills and, if your utility provider accepts Standing Order payments then you can set this up to make regular payments from your e-account. You cannot set up Direct Debits on your credEcardplus account.

You can set up e-mail and / or SMS alerts to advise you when you have received a payment into your account. These alerts are instant, you will receive them as soon as funds are received.

You can use your credEcardplus card wherever you see the Visa acceptance mark, including shops, restaurants, online and for telephone or tv shopping. You can withdraw cash at ATMs and request cashback at most supermarkets. Please see fees page for information on charges.

You can withdraw cash from an ATM using your card and PIN. We will charge you 75p per withdrawal and some ATM operators may add an extra fee for each withdrawal. You can also get cashback, free of charge, at most supermarkets.