UNISON Prepaid Plus

What it costs
Unlike many prepaid cards, the UNISON Prepaid Plus MasterCard

is free to apply for. There are no upfront charges and the card is cost-effective to use. See for yourself below:

£1,000 of FREE Dental Accident Insurance
It won’t cost you a penny to protect your smile for
a year. More info ...

£10,000 of FREE Travel Accident Insurance
Peace of mind for all your trips whether for business
or pleasure. More info ...

Save money
Savings to make your money go further and your life
more fun. More info ...

Here’s what you need to know...

Remember there’s no fee for application or for card loads by direct debit.

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
	Description
On Application	Primary Card	Secondary Card
Card Activation Fee	Free	£10.00
Initial Limits	Minimum amount of initial load £10.00 Maximum amount of initial load £1,250.00	N/A
Usage Restrictions	[Specific requirements apply where this card is used. For full details please refer to section 1 of the Terms and Conditions]
On-going Features
Retail Purchase Fees
Retail purchase transaction – UK	Free	Free
Retail purchase transaction – outside UK	Free	Free
Retail purchase transaction refund	Free	Free
Declined transaction fee	Free	Free
Cash Machine Fees
Cash machine withdrawal – UK	£0.95	£0.95
Cash machine withdrawal – outside UK	£2.00	£2.00
Over-the-counter cash advance – UK	£5.00	N/A
Over-the-counter cash advance – outside UK	£5.00	N/A
Load Fees & Limits
Card load by direct debit	Free	N/A
Internet debit card load	£1.00	N/A
Card load by transfer from one UNISON Prepaid Plus Card to another (of transferred amount)	3%	N/A
Card load using Alphyra Payzone (of loaded amount), maximum load £150 per transaction.	3%	N/A
Minimum top-up	£10.00	N/A
Maximum top-up	£1,250.00	N/A
Maximum top-up amount per day	£2,500.00	N/A
Maximum card balance	£3,000.00	£3,000.00
Maximum daily spend/refund	£3,000.00	£3,000.00
Maximum daily cash machine withdrawal (included as part of Maximum daily spend)	£250.00	£250.00
Maximum number of top-ups per day (up to a combined total of £2,500.00)	2	N/A
Interactive Voice Response (IVR) Fees*
IVR balance enquiry check	£0.25	£0.25
IVR transaction history check	£0.25	£0.25
IVR transfer to customer services agent (per call)	Free	Free
Card Purchase and Administration Fees
Monthly service charge	£0.95	Free
Foreign exchange mark-up of transactions in currency other your card currency	3%	3%
Closure
Replacement card (lost or stolen)	£5.00	£5.00
Cancellation fee	Free	Free
Refund fee	Free	Free

*Note that by calling our telephone line on +44 (0) 845 026 1105 you will be charged at the UK National rate. Calls from outside the UK will vary.

About us \| Terms and Conditions \| Contact us

MasterCard is a registered trademark of MasterCard International Incorporated. The card is issued by Newcastle Building Society ("NBS") pursuant to licence by MasterCard International Incorporated. NBS is authorised & regulated by the Financial Services Authority as an issuer of e-money (registration no. 156058). NBS subscribes to the Banking Code, copies of the Code are available upon request. The UNISON Prepaid card has been arranged for you by UNISON and Union Income Limited. The free insurance benefits are arranged by Union Income Benefit Holdings Ltd. Union Income Limited is an appointed representative of Union Income Benefit Holdings Ltd which is authorised and regulated by the Financial Services Authority, register no: 307575. Union Income Benefit Holdings Ltd is registered in England, register number 03877610