Terms and Conditions

Your Your Card is an e-money prepaid card. This is not a credit, charge or debit card.

Your Card has been issued by Clydesdale Bank PLC pursuant to licence from MasterCard International Incorporated. We are a registered Service Provider of Clydesdale Bank PLC. Your rights and obligations relating to the use of this Card are subject to this Agreement between you and us; you have no rights against Clydesdale Bank PLC or MasterCard International Incorporated or their respective affiliates. If you experience any difficulties in using the Card you should contact Customer Services. The e-money associated with this Card will be denominated in Pounds Sterling and is issued to you by us. The Card remains the property of Clydesdale Bank PLC.

Your card is an on-line service. All account information can be viewed via the website, including these terms and conditions. Any communication or notification from us or Union Income in respect of your card account will be sent by email to your registered email address.

You may only apply for and hold a Card if you are, or have applied to become, a member of Affiliate. You can obtain one additional Card associated with your Card account. There is a total limit of 4 Card Account(s) per household and a limit of two Restricted Accounts per household. In the event that your application is declined then you will not receive a Card

If we cannot verify your identity, address and/or any other relevant information provided by you with satisfactory certainty at the time you apply for an Account we will issue you with a Restricted Account. The Restricted Account limits are a total spending limit of £1,600 per each calendar year (each and every 12 months period) of which no more than £600 can be in cash withdrawals or a single debit Transaction; and you may load a maximum of £600 into your Account at any one time, subject to yearly spending limits (fees may apply, see paragraph 12).

If you are issued with a Restricted Account, you will have the option to upgrade to a non-Restricted Account by providing satisfactory documentation as proof of identity, address and other relevant information (fees may apply, see paragraph 12).

You agree that we may communicate with you by e-mail or via the Website for issuing any notices or information about your Account or Card and therefore it is important that you provide a valid e-mail address. Additionally, your Transaction history and statements are made available to you in the Website.

Up to two Cards with different names can be issued in respect of each Card Account at any one time and both applicants must be residing at the same address (all cards will be sent to the Union member's address).

Your Card will be posted to the address provided by you when you applied. You should receive your Card within 14 days of application.

When you receive your Card(s), you (and any additional named Cardholder) must sign it immediately and must then call Customer Services (as detailed in paragraph 21) to activate it. Please note that your Card (or any additional Card) cannot be used until it has been activated. When you call Customer Services you will need to select the 'Card Activation' option from the menu. You will then be asked to enter your Card Number and your Activation Code which you will find on the letter that came with your Card. You will also be asked to provide certain personal details to confirm your identity.

You will be given a 4 digit PIN when you activate your Card. You should keep your PIN secure at all times. We will not reveal your PIN to a third party. If you forget your PIN, you can reset it by calling Customer Services.

You can change your PIN at any UK ATM that has a PIN change facility available. When you select or change your PIN, you must not select a PIN that can be easily guessed, such as, for example, a number that:

Your Card can be used at any Merchant displaying the MasterCard Acceptance Mark.

You can authorise Transactions on your Card at any Merchant by entering your PIN or other security code. If the Merchant does not accept chip and PIN authorisation, the Merchant may allow you to authorise the Transaction by signature of the receipt. Please be aware that you may not usually stop a Transaction once it has been authorised as at that point it is deemed to be received by us. You will be responsible for all Transactions where you or any additional Cardholder authorises such Transaction, regardless of the manner of such authorisation.

Your Card is a prepaid card, which means that the Card's Available Balance will be reduced by the full amount of each Transaction and/or authorisation, plus any taxes and charges that are applicable (the 'Full Deductible Amount'). In order for a Transaction to be authorised, the Full Deductible Amount must be less than or equal to the Available Balance on your Card. You must not use your Card if the Full Deductible Amount exceeds the Available Balance or after the expiry date of the Card. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Card, you must either top-up your card with an amount sufficient to take your Card back into credit immediately you are notified of the deficit, or repay the Programme Manager the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from them. Should you not repay this amount within 14 days of receiving an invoice from the Programme Manager, they reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

You can check your Available Balance at any time by calling Customer Services, by SMS or via the Website. You can check your Transaction history at any time by calling Customer Services, or via the Website.

Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all Transactions you make. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make. You will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:

Your Card should not be used as a form of identification. We will decline any authorisation requests from Merchants using your Card for identification purposes.

You may use your Card to obtain cash worldwide in an emergency from any ATM that displays the MasterCard Acceptance Mark. There is a daily cash withdrawal limit of £250 (or equivalent in a foreign currency) per Account however the ATM provider may have a reduced limit and may charge additional fees. Transaction fees apply (see paragraph 12).

You may not use your Card to obtain traveller's cheques, to obtain cash back from any Merchant, to settle outstanding balances on credit cards, bank overdrafts or credit agreements, to pay for memberships or subscriptions by direct debit or for online gambling and betting transactions.

The Available Balance on your Account will not earn any interest.

We may request you to surrender the Card at anytime in accordance with paragraph 16 of these terms and conditions. Where we do so, we will give you back your e-money in accordance with paragraph 8 of these terms and conditions (free of any redemption fee).

For Cardholders under 18 years of age the following applies:

All top ups are subject to the following:

Your Account can be topped up in the following ways:

The maximum number of top ups permitted in a single day is 2.

We reserve the right to suspend or terminate the right to top up your Account at anytime without notice.

We do not accept liability caused by the delay in applying top ups where you have failed to correctly reference your Account or Card number, the receiving bank account, or other requested details for applying such top ups.

The registered address of the bank account used to top up your Card must match the registered address for your Card Account. You will be unable to top up your Card from a bank account that does not meet this criterion. We reserve the right to suspend or permanently remove your ability to top up your Card at any time without notice.

We do not accept liability for top ups where you have failed to correctly reference your Account or Card number, the receiving bank account, or other required details.

A full list of participating Merchants is available online on the Website. Where the discount at a Merchant is subject to any specific terms or conditions, these are clearly indicated on the Website.

The Cashback associated with the use of your Card will be calculated on an ongoing basis and displayed online in your Account.

The Programme Manager is responsible for the operation of the Cashback programme. You acknowledge and agree that we shall have no liability to you for any delay in earning, or any failure to earn Cashback or any other loss that you might suffer under the Cashback programme or the Programme rules.

The expiry date of your Card is printed on the front of the Card.

You should not use your Card after your Card has expired.

We will send you a replacement card if we have verified you are still a member of an eligible union and you have paid your monthly subscription fees.

If we are not renewing your Card and you have any remaining Available Balance on your Card after your Card has expired you can request a refund by calling Customer Services within six years from the date that your Card expired. You will no longer be able to reclaim any Available Balance after six years has passed from the date that your Card expired.

If you would like to redeem any unused funds on your Card you will be charged a fee to cover redemption costs on each occasion that you redeem, if you redeem all or part of your balance at the following times:

Please note that if your balance is £5.00 or less and you want to redeem in the circumstances listed, the fee will equal your balance which will be reduced to zero.

You may redeem funds subject to the provisions described in 8.1 as long as;

You can obtain redemption of any unused funds by contacting Customer Services. All redemptions will be paid by cheque.

If we find that any additional withdrawals, fees or charges have been incurred on your Card following the processing of your redemption funds, we shall send an itemised invoice to you and we will require you to refund us within 14 days of the invoice. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

We may restrict or refuse to authorise any use of your Card in any legal jurisdiction if using the Card is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you or a third party has committed or is about to commit a crime or other abuse in connection with the Card.

Where appropriate, any refusal to authorise a Transaction will be relayed to you via the Merchant concerned.

If we need to investigate a Transaction on the Card then you must cooperate with us, or any other authorised body if this is required.

You should never:

You will be responsible for all Transactions which you or any additional Cardholder authorise, whatever the manner of authorisation.

You agree to indemnify and hold harmless us and our distributors, partners, agents, sponsors (including without limitation Clydesdale Bank PLC), and service providers and their group companies from and against the costs of any legal action taken to enforce these terms and conditions and/or any breach of these terms and conditions or fraudulent use of your Card or PIN by or authorised by you.

In the event of loss, theft, fraud or any other risk of an unauthorised use of your Card, or if your Card is damaged or malfunctions, you must immediately contact Customer Services. You will be asked to provide us with your Account Number and some identifying details. In the event that you notify us in accordance with this Agreement that your Card has been lost or stolen you will be liable for a maximum of £50 of any loss that takes place prior to your contacting Customer Services.

Provided that you have given notification in accordance with paragraph 10.2 and that paragraph 10.4) does not apply, then you will not be liable for losses that take place following the date on which you gave such notification to Customer Services. If there is an Available Balance remaining on your Card, we will replace your Card and transfer the last Available Balance onto it (fees apply, see paragraph 12). Alternatively, your Available Balance can be repaid to you (fees apply, see paragraph 12), unless we have any reason to believe that the notified incident has been caused by your breach of this Agreement, gross negligence or if it raises reasonable suspicion of fraudulent or improper conduct. If we replace the Card, the Card will be delivered to your home address (fees apply, see paragraph 12).

In the event we have reason to believe you have acted fraudulently or you have acted with gross negligence or acted intentionally in failing to notify us of the lost or stolen Card, then you shall be liable for all losses.

If you make a Transaction in a currency other than Pounds Sterling (a 'Foreign Currency Transaction'), the amount deducted from your Account will be converted to Pounds Sterling on the day we receive details of that Foreign Currency Transaction. We will use a rate set by MasterCard, which will be available on each Business Day and changes in the exchange rate shall take effect immediately. We will add the Foreign Exchange Fees (see paragraph 12). Exchange rates can fluctuate and they may change between the time a Transaction is made and the time it is deducted from your Available Balance. For Transactions made within the EEA in an EEA currency you can find out the MasterCard Exchange Rate by emailing Customer Services.

Cards are subject to the following charges

Redemption, and Replacement Card fees are payable in advance.

Monthly Management fees are charged on your Account, and apply from 30 days from the date on which you successfully complete your application.

Debit card top up fees will be added to the amount of the top-up and the total amount will be charged to your debit card. Example 1: if you request a £100 top up using a debit card, your debit card will show a transaction value of £101.00 Debit card top ups fees will not apply if the top-up amount exceeds £200.00.

All other fees will be deducted from the Available Balance on your Card.

We reserve the right to deduct any miscellaneous taxes or charges due from the Available Balance on your Card.

All Card fees are inclusive of VAT. VAT invoices will not be issued.

If you have a reason to believe that any of the Transactions for which your Card was used are unauthorised or has been posted to your Account in error, then at your request we will examine your Account and the circumstances of the Transaction. We strongly recommend that you check the Website on a regular basis and notify us by contacting Customer Services as soon as possible, but in any event, within 13 months of the date of the relevant Transaction. Please be aware that any delay in notifying us makes it more difficult for us to obtain evidence as to whether the Transaction was authorised and may therefore increase the time involved in investigating the Transaction. If you dispute the Transaction, the Merchant must be able to prove that the Transaction actually took place.

Once we are reasonably satisfied that you did not authorise the Transaction and that we are required to refund the Transaction under this Agreement, then we will refund the Transaction amount together with any charges on that amount and will have no further liability to you. We may require you to liaise with appropriate authorities with respect to the disputed Transaction.

Until our investigation is complete the disputed amount will be unavailable to spend. If we have credited the value of a disputed Transaction back to your Account and we subsequently receive information that proves that the Transaction was genuine, then it will be deducted from your Account; in this event we will charge you a £10 administration fee.

We reserve the right not to repay or refund any sums to which you may be entitled, or credit Cashback to you, if we have reasonable cause to believe you have not acted in accordance with this Agreement and/or you have failed to report any fraudulent activities to the relevant authorities.

We may change the terms and conditions of this Agreement, including charges, fees and limits, at any time by providing you with at least 60 days notice by email (provided we hold an email address for you), and we will post an updated version on the Website.

You may terminate your Card any time within the 60 day notice period if you do not agree with the changes to the terms and conditions. However, in the event you do not cancel during this period then you will be deemed to have accepted them and the changes will apply to you.

If any part of this Agreement is inconsistent with any regulatory requirements then we will not rely on that part but treat it as if it did actually reflect the relevant regulatory requirement. If we need to make operational changes before we can fully comply with the new regulatory requirement, we will make those changes as soon as practical. We will update our terms and conditions to reflect the new regulatory requirements when they are next reprinted.

You may cancel your Card up to 14 days after the date of activation ("Cancellation Period"), without giving a reason by writing to Customer Services at the address given in paragraph 21 of this Agreement. This does not apply to replacement Cards where the Cancellation Period for the original Card has expired. Upon cancellation, we will refund to you within 30 days, any Available Balance on your Card.

You may terminate your Card any time after the Cancellation Period by exercising your rights under paragraph 8. You will not be charged for cancelling your Card however, a redemption fee will apply if you choose to redeem the Available Balance on your Account (please see paragraph 12).

If you cease to be a member of the Union for any reason:

We can terminate this Agreement

We can suspend your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) if:

In the event that we do suspend or cancel your Card then if we are able to do so, we will tell you in advance otherwise we will let you know immediately afterwards. We may advise anyone involved in the Transaction if a suspension has taken place.

You can terminate this Agreement at any time by contacting Customer Services. If you are redeeming any Available Balance you will be liable for the fees set out in paragraph 12.

In the event that any additional fees and/or charges are found to have been incurred on your Card following termination by either you or us, you shall refund to the Programme Manager any sums which relate to a withdrawal on the Card or fees and/or charges validly applied whether before or after termination. The Programme Manager shall send an invoice to you and will require you to refund it within 14 days. Should you not repay this amount within 14 days of receiving an invoice, the Programme Manger reserves the right to take all steps necessary including legal action, to recover any monies outstanding.

Our liability in connection with this Agreement (whether arising in contract, tort (including negligence), breach of statutory duty or otherwise) shall be subject to the following exclusions and limitations:

Nothing in this Agreement shall exclude or limit our liability for death or personal injury resulting from our negligence or fraud.

To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded.

The above exclusions and limitations set out in this paragraph 16 shall apply to any liability of our affiliates such as the Programme Manager, Union Income, P&MM Limited, Clydesdale Bank PLC, MasterCard International Incorporated or other suppliers, contractors, agents or distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement.

You may provide us with personal data from time to time in connection with your Card, some of which will be necessary for us to provide you with the Card and services under this Agreement. You must notify us immediately of any change of name and address by contacting Customer Services.

We and our affiliates are committed to maintaining your personal data in accordance with the requirements of the Data Protection Act 1998 and will take all reasonable steps to ensure that your personal data is kept secure against unauthorised access, loss, disclosure or destruction. Except as required by law or in accordance with these terms and conditions, your personal information will not be passed to anyone without your permission. To comply with Anti-Money Laundering Regulations, we may be required to request evidence of identity from you and may use an ID verification agency or credit reference agency (whose names and addresses will be provided to you on request) both prior to and following issue of your Card for this purpose and who will add details to your records of our request for a search.

You agree that we and the Union Income can use your personal data in connection with the Card, and the e-money associated with the Card, to contact you about replacement Cards, and to enable us to review, develop and improve our products and services. This may involve providing your personal data to our affiliates, agents, distributors, and suppliers including, Clydesdale Bank PLC and to MasterCard International Incorporated and its affiliates to process Transactions and for their statistical research and analytical purposes as outlined in our privacy statement. We may also transfer your personal data outside of the EEA to enable you to use the Card while you are travelling, and such countries may not offer the same protections for personal data. We may also disclose your personal data as required by law, regulation or any competent authority or agency including to authorities and agencies to investigate possible fraudulent, unlawful or unauthorised activity ("Misuse").

You may contact us at anytime to request us to stop such use or further disclosure to other companies for such use; however we shall not be liable for any losses or inconvenience experienced by you resulting from implementing your request, including loss of future Cashback and possible restrictions on how you can top up your Card.

You have a right to inspect the personal data we hold about you however we will ask you to pay an inspection fee of £10 to cover our costs. For further information please contact Customer Services.

If we discover that the information we hold about you is incorrect, we may have to suspend or cancel your Card until we can establish the correct information, in order to protect us both.

If we believe that you have been involved in any Misuse then we may contact Union Income or the Programme Manager to advise them of such Misuse and you hereby consent to the disclosure of your personal data to Union Income or the Programme Manager in this context.

Complaints regarding any element of the service provided by us should be sent in writing to P&MM Limited, Avalon House, Linford Wood, Milton Keynes, MK14 6LD.

All complaints will be subject to our complaints procedure. We will provide you with a copy of our complaints procedure upon request and, if we receive a complaint from you, a copy of our complaints procedure will automatically be emailed or posted to you.

If we fail to resolve your complaint to your satisfaction you may refer your complaint to the Financial Ombudsman Service (South Quay Plaza, 183 Marsh Wall, London E14 9SR; phone 0845 080 1800). Details of the service offered by the Financial Ombudsman Service are available at www.financial-ombudsman.org.uk.

The Financial Services Compensation Scheme is not applicable to the Card. No other compensation schemes exist to cover losses claimed in connection with the Card. We will however safeguard your funds in the event of our insolvency, to protect them.

Any delay or failure to exercise any right or remedy under this Agreement by us shall not be construed as a waiver of that right or remedy or preclude its exercise at any subsequent time.

If any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in full force and effect

You may not assign or transfer any of your rights and/or benefits under these terms and conditions and you shall be the sole party to the contract between us. You will remain liable until all Cards issued to you are cancelled or have expired and all sums due under these terms and conditions have been paid by you in full. We may assign our rights and benefits at any time without prior written notice to you. We may subcontract any of our obligations under this Agreement.

No third party who is not a party to this Agreement has a right to enforce any of the provisions of these terms and conditions, save that Clydesdale Bank PLC, MasterCard International Incorporated and their respective affiliates may enforce any provision of this Agreement which confers a benefit or a right upon them and a person specified in paragraph 17.4 may enforce paragraph 16.5.

This Agreement contains the information set out in Schedule 4 of the Payment Services Regulations 2009 and you can obtain a copy of this Agreement at any time by visiting the Website.

This Agreement is governed by English law and you agree to the non-exclusive jurisdiction of the courts of England and Wales.

If you need assistance, you can contact Customer Services by:

An automated Card Activation service is available 24/7 on 0844 846 8064.

Balance checking, lost & stolen reporting and forgotten PIN services are available 24/7 on the Customer Services number.

MasterCard is a registered trademark of MasterCard International Incorporated.