MANCHESTER CITY WEGA Prepaid Mastercard® Card Terms and Conditions

IMPORTANT INFORMATION: Please read this Agreement carefully before activating your Account. By activating your Account and/or using your Card, you are demonstrating your agreement to these terms and conditions. The Card is issued by Transact Payments Limited. Manchester City Football Club Limited is not responsible for the supply of the Card or any services relating to it; its name, crest and imagery appear on the Card for branding purposes only.

  1. 1. Definitions
    The electronic money account associated+ with your Card.
    Additional Card
    Any additional Card which is issued to a person any time after the successful registration of an Account;
    Additional Cardholder
    A person who you have authorised to hold an Additional Card.
    These terms and conditions relating to the use of your Card(s) as amended from time to time.
    Automatic teller machine, cashpoint facility or cash dispenser.
    Available Balance
    The value of unspent funds loaded onto your Account and available to use.
    Business Day
    Monday to Friday, 8.30am to 5.30 pm GMT, excluding bank and public holidays in the United Kingdom
    The prepaid card issued to you in accordance with this Agreement.
    Customer Services
    The contact centre for dealing with queries about your Card and Account. You can contact Customer Services by:
    1. calling +44 (0) 161 883 1501 (your network provider may charge a fee for calling this number);
    2. e-mailing from the email address registered to your Online Account; or
    3. writing to Wega Support, 61 Praed Street, Suite 31, London W2 1NS"
    European Economic Area.
    Expiry Date
    For Physical Cards: The date showing on the front of your Card.
    For Virtual Cards: the expiry date emailed to you following your application for a Virtual Card.
    Any fee payable by you as referenced in the Fees & Limits Schedule.
    Fees & Limits Schedule
    The schedule contained in this Agreement.
    Interactive Features
    The Card includes an acoustic chip that can be used for Card activation, confirmation of personal changes to the Wega Account, ordering of additional or single use virtual Cards, the activation of contactless transactions, confirmation of card-to-card transfers and sending of mobile credit. The Wega Account provides also provideds the possibility to enrol for biometric authenticators (Facial recognition, voice recognition and finger print identification) as additionally secured personalised methods for Wega Account log in and confirmation of personal changes to the Wega Account, ordering of additional or single use virtual Cards, confirmation of card-to-card transfers and sending of mobile credit.
    A retailer or any other person that accepts e-money.
    Mobile App / Mobile App Account
    The Manchester City Wega Mobile Application, which is available on Android and iOS smart devices. The Mobile App Account enables successfully registered users to order Cards as well load and manage their Accounts.
    Online Account
    The area on the Website that allows you to access your Account and carry out the functions specified in condition 9.1.
    Personal Details
    The registered personal identity details relating to the use of your Card and Online Account including (but not limited to) your: name, date of birth, home address, email address and telephone (landline and/or mobile) number.
    Physical Card
    A physical/plastic pre-paid Card that can be used for Transactions.
    Personal Identification Number i.e. the security number provided for use with your Card.
    Primary Card
    The first Card issued to you in response to registration of your Account in accordance with this Agreement.
    Program Manager
    Truxtun Capital SA with registration number CH-249.542.214 and registered address of Rue du Nant 6, Genève, 1207, Switzerland.
    Mastercard, which is also a registered trademark of Mastercard International Incorporated.
    Using your Card to make (i) a payment, or a purchase of goods or services from a Merchant where payment is made (in whole or in part) by use of your Card including where payment is made over the internet, by phone or mail order or (ii) a cash withdrawal made from an ATM or bank using your Card.
    Username and Password
    A set of personal codes selected by you in order to access your Online Account;
    Virtual Card
    A non-physical Card, the use of which is limited to on-line, phone or mail order purchases.
    we, us or our
    Transact Payments Limited (“TPL”) a company incorporated in Gibraltar with address PO Box 1254, Unit 4A, 4th Floor Leisure Island Business Centre, 23 Ocean Village Promenade, Ocean Village, Gibraltar and company registration number 108217 and authorised by the Gibraltar Financial Services Commission as an electronic money institution or the Program Manager acting on its behalf.
    Wega Account
    The account in your name associated with the Interactive Features.
    Wega Platform
    The system that is proprietary to the Program Manager and that operates the Interactive Features.The
    you or your
    The person or persons who have received a Card and are authorised to use it in accordance with this Agreement.
    3D Secure
    3D Secure is a payment verification protocol (branded as 'Mastercard® Secure Code' and 'Verified by Visa'), used to prevent payment card fraud by verifying your payment Card details.
  2. 2. Your Agreement, Card and Account
    1. 2.1. Your Card is issued by us pursuant to a licence from the Scheme and your rights and obligations relating to the use of the Card are subject to this Agreement.
    2. 2.2. Your Card is an e-money product; it is not a credit, charge or debit card or connected in any way to your bank account.
  3. 3. Purchase and activation of your Card
    1. 3.1. To apply for, and use a Card you must be at least 18 and a resident of the United Kingdom
    2. 3.2. Cards may be purchased via the Mobile App or Website.
    3. 3.3. You have the option of purchasing a Virtual Card or Physical Card. If you are a Virtual Cardholder, you may upgrade at any time (subject to a Fee and KYC) to a Physical Card, by contacting Customer Services or notifying us via your Mobile App or Online Account.
    4. 3.4. Regardless of the type of Card(s) you have, you will have only one Account where your Available Balance is located. Primary Cardholders may transfer funds out of their Accounts onto Additional Cards, which will have their own balance.
    5. 3.5. You must activate your Card prior to use via the Website, by calling +44 (0) 161 883 1501 or via the Mobile App. You may be asked to supply us with your Personal Details and KYC information and/or documents (which we shall record and store in accordance with applicable legislation) in accordance with the Fees and Limits Schedule. You must sign the back of your Physical Card immediately as soon as you receive it.
  4. 4. Interactive Features of your Card.
    1. 4.1 Your card is equipped with a Wega 3DSA 2.0 acoustic chip (Wega Chip)in and biometric recognition software processes in addition to the EMV chip used for payment transactions with Merchants. Both authentication methods can work independently of each other.
    2. 4.2 Wega Chip Authentication
    3. 4.2.1 When you press the X in the corner of the Card, the Wega Chip will generate a dynamic sound frequency that can be transmitted via microphone and is recognised by the Wega Platform. This dynamic one time password identifies the Card increases security or eliminates the need for username and password for the following operations:
    4. (a) Activation of your Wega Account upon receipt of the Card via the applicable mobile app. This will at the same time trigger the activation of your Account for usage of the Card as a payment method.
    5. (b) Confirm certain operations: (1) Personal changes you make to your Wega Account, (2) Additional Card or single use Virtual Card order ; (3) Activate the Card for contactless transactions by pressing the X on the Card for five (seconds) instead of just generating a short sound frequency; (4) Sending of funds to friends and family via card-to-card transfer; and (5) Sending of mobile credit to a number of your choice available in most countries.
    6. 4.2.2 The Wega Chip does not intervene in regular chip and pin transactions with merchants, ATM withdrawals and other transactions in the Mastercard network.
    7. 4.2.3 The Wega Chip is powered by a lithium battery. The functional battery life should under normal conditions extend beyond the expiration date of the Card.
    8. 4.2.4 Your Wega Chip is manufactured to function well beyond the expiration of the Card assuming reasonable use. However, if the Wega Chip does not produce a sound frequency by pushing the X in the bottom left corner of the Card prior to activation or during the life of the Card please let us know via email at from the email address registered with your Card, send us the Card to Wega Support, 61 Praed Street, Suite 31, London W2 1NS and upon receipt of the Card we will immediately replace the Card free of charge. We will credit the applicable regular mail Royal Mail tariff back to your new Card account.
    9. 4.2.5 Upon expiration of the Card if or the Account is closed please dispose of the Card by recycling taking into consideration local regulations.
    10. 4.3 Biometric Authentication.
    11. 4.3.1 Your Wega Account provides biometric authenticators via the Wega mobile app. These consist of voice recognition, face recognition and fingerprint identification if your mobile is equipped with the required sensor.
    12. 4.3.2 Device Requirements.
    13. (a) iPhone, iPad and iPod Touch with iOS 8.0 or later. Optimised for iPhone 5, 6 and 6+ as well as iPad (3rd Gen or later) OR
    14. (b) Android 4.1 or later device with a front-facing camera
    15. 4.3.3 You should choose the biometric authentication methods you would like to apply and follow the instructions in the Wega app for personalised enrolment.
    16. 4.3.4 Biometric Enrolment Tips
    17. (a) Enrol Face in a well-lit environment, with your face positioned in the oval. Hold the phone upright in front of your face.
    18. (b) Enrol Voice in a location without too much background noise. Speak clearly and naturally.
    19. (c) Fingerprint authentication is available for devices with a fingerprint sensor built in.
    20. 4.3.5 Using Biometric Logon
    21. You can Login to your Wega Account using any of the methods you set up during enrolment by selecting the authenticator option in the tabs at the top of the screen.
    22. 4.3.6 Confirmation of Operations.
    23. You can use your biometric authenticators to confirm the following operations: (1) Personal changes you make to your Wega Account, (2) Additional Card or single use Virtual Card order (3) Sending of funds to friends and family via card-to-card transfer; and (4) Sending of mobile credit to a number of your choice available in most countries.
    24. 4.4 If you have any questions please contact our Customer Services via email at or +44 (0) 161 883 1501.
  5. 5. Personal Details
    1. 5.1. Your use of the Card is subject to our verification of your Personal Details (i.e. KYC) by either electronic verification means and/or requesting relevant KYC information or documents from you as applicable.
    2. 5.2. When entering into Transactions over the internet, some websites may require you to enter your Personal Details and in such instances you should supply the most recent Personal Details that you have provided us with.
    3. 5.3. You must notify us of any change in your Personal Details as soon as possible by contacting Customer Services or updating the details in your Mobile App Account or Online Account. You will be liable for any loss that directly results from any failure to notify us of a change in your Personal Details due to undue delay, your gross negligence or fraud. We will need to verify your new Personal Details and may request relevant KYC information/documents from you as applicable.
    4. 5.4. We reserve the right at any time to satisfy ourselves as to your Personal Details (for example, by requesting relevant original documents) including for the purposes of preventing fraud and/or money laundering. In addition, at the time of your application or at any time in the future, in connection with your Account, you authorise us to undertake electronic identity verification checks on you either directly or using relevant third parties.
  6. 6. Loading your Card
    1. 6.1. Funds may be added to your Account by any of the permitted methods set out in the “Loading Fees” section of the Fees and Limits Schedule.
    2. 6.2. To load your card by debit card, you must use a debit card that has been issued by a regulated financial institution in the EEA and is registered at the same name and address as your Card.
    3. 6.3. Only the Primary Cardholder and not the holders of any Additional Cards may add Funds to your Account.
    4. 6.4. Fund loading limits vary according to the type of Card and these are set out in the Fees & Limits Schedule.
    5. 6.5. If enabled, you will have the option to transfer your Available Balance or part balance from your Card or Account to other Accounts that may be held with us (i.e. a “Card-to-Card” transfer). If you instruct us to make a transfer from your Account to another person’s Account, the requested amount will be debited from your Account and credited to the Account in accordance with your instructions. You may incur a Card-to-Card Transfer Fee for this Transaction.
  7. 7. Using your Card
    1. 7.1. Your use of the Card is subject to the applicable Fees detailed in the Fees & Limits Schedule, which shall be deducted from the Available Balance.
    2. 7.2. You can use the Card at any Merchant who accepts the applicable Scheme to (where permitted by your Card-type) make purchases in-store, via the internet or over the phone and to withdraw cash from ATMs and banks who agree to provide this service (subject to any additional fees that such ATM operators or banks may charge), unless we inform you otherwise.
    3. 7.3. You must always ensure that you have sufficient Available Balance for each Transaction you authorise (including value added tax and other taxes, duties and applicable fees). If the Available Balance is insufficient to pay for a Transaction, some Merchants may not permit you to combine the use of your Card with other payment methods.
    4. 7.4. If for any reason a Transaction is carried out but its amount exceeds the Available Balance, you must pay us the deficit immediately, and if you fail to do so after receiving an email notification from us, we reserve the right to take all necessary steps, including legal action, to recover this deficit.
    5. 7.5. There are certain circumstances where a Merchant 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, when making hotel or rental car reservations. In the event that a Merchant has prior authorization on your Card, you will not have access to the relevant funds until the Transaction is completed or, if sooner, up to a period of 30 days.
    6. 7.6. Your Card cannot be used where such Merchants are unable to obtain online authorisation that you have sufficient Available Balance for the Transaction (for example, Transactions made on trains, ships, some in-flight purchases and tollbooths. We accept no liability if a Merchant refuses to accept payment using the Card.
    7. 7.7. You must not use the Card for:
      • pre-authorised regular payments; or
      • Transactions at self-service petrol pumps;
      • any illegal purposes.
  8. 8. Authorising Transactions
    1. 8.1 You will need to authorise each Transaction so that we can check it is genuine by, where applicable, submitting or using your PIN or other security code personal to you and/or your Card (for example, by using 3D Secure). For the avoidance of doubt, any Transaction you authorise using 3D Secure shall be automatically considered a Transaction which you have authorised.
    2. 8.2. The time of receipt of a Transaction order is when we receive it. If a Transaction order is received after 4pm on a Business Day then it will be deemed to have been received on the next Business day.
    3. 8.3. Once a Transaction has been authorised by you, it cannot be revoked. Within the EEA, we shall ensure the cash transfer to the Merchant’s payment service provider within 4 Business Days following the day on which the Transaction order is received. This condition 7.3 only applies if a Merchant’s payment service provider is located within the EEA and the payment services being carried out are in the currency of an EEA Member State.
    4. 8.4. Your ability to use or access the Card may occasionally be interrupted, for example if we need to carry out maintenance on our systems or websites. Please contact Customer Services to notify us of any problems you are experiencing using your Card or Account and we will endeavour to resolve as soon as possible.
  9. 9. Additional Cards
    1. 9.1. At our sole discretion and provided you have provided sufficient KYC information/documents (in accordance with condition 5.3), you may be eligible to apply for up to 3 Additional Cards connected directly to your Account, for use by Additional Cardholders by contacting Customer Services or accessing the relevant area in your Mobile App account or Online Account.
    2. 9.2. Additional Cardholders must be at least 18 years old or, provided that you are legally responsible for them, at least 13 years old. Transactions by persons under 18 years of age may not be allowed by some Merchants but in all cases, you shall be responsible for any use of any Additional Cards. We may request KYC for each Additional Cardholder as required.
    3. 9.3. The use of Additional Cards is always subject to the validity of the related Primary Card: Additional Cards may not be used if the related Primary Card has expired.
    4. 9.4. If your Additional Card application is successful, we will send you an Additional Card, which will be subject to a Fee and which you may give to the nominated Additional Cardholder for their exclusive use, provided that:
      1. you provide the Additional Cardholder with a copy of these terms and conditions (which will then bind use by both of you);
      2. the Additional Card is used only by that Additional Cardholder;
      3. you retain the Primary Card for your sole and exclusive use in accordance with this Agreement;
      4. all Transactions made on the Additional Card shall be considered as having been authorised directly by the Primary Cardholder, who shall be responsible for such Transactions and any applicable Fees.
    5. 9.5. Funds cannot be loaded directly on to Additional Cards, which will be connected to the same Account as the Primary Card. Only Primary Cardholders may load Additional Cards and they can do so by transferring funds from their Account.
    6. 9.6. You must ensure that any Additional Cardholders under 18 years of age do not use a Card for any purpose for which the minimum age is at least 18 e.g. purchase of alcohol, adult entertainment or gambling.
  10. 10. Managing & Protecting Your Account and Card
    1. 10.1. Following Card activation, we shall send you a PIN for use with your Physical Card by notifying you in your Mobile App Account or Online Account. You will need this PIN in order to authorise certain Transactions.
    2. 10.2. If you forget your PIN, you can retrieve it by accessing your Mobile App Account or Online Account.
    3. 10.3. When ordering a Primary Card on the Website, you will be prompted to create a Username and Password. You will need this Username and Password to access your Online Account and perform the following functions (as well as any other functions specified in the Website) in relation to your Card online:
      1. change your telephone number;
      2. check your Available Balance;
      3. check your Transaction details; and
      4. change your Password.
    4. 10.4. We recommend that you check your Online Account and Transaction history on a regular basis as they are updated continuously.
    5. 10.5. Other than in relation to an Additional Cardholder, you must not give your Card to any other person or allow any other person to use it. You are responsible for your Card, PIN, Online Account and any related security details and must take all reasonable measures to keep them safe and entirely confidential.
    6. 10.6. You are responsible for your Account, Card, PIN, Mobile App Account, Online Account and any related security details and must take all possible measures to keep them safe and entirely confidential. Such measures include:
      1. memorising your PIN as soon as you receive it;
      2. never writing your PIN on your Card or on anything you usually keep with your Card;
      3. keeping your PIN secret at all times for example, by not using your PIN if anyone else is watching;
      4. not disclosing your PIN to any person, except that you may disclose the PIN orally (but not in writing) to an Additional Cardholder.
    7. 10.7. Failure to comply with this condition 9 may affect your ability to claim any losses in the event that we can show that you have intentionally failed to keep the information safe or you have acted fraudulently, with undue delay or with gross negligence. In all other circumstances, your maximum liability shall be as set out below at condition 13.
    8. 10.8. If you believe that someone else knows your Online Account, PIN or Card security details, you must contact Customer Services immediately.
    9. 10.9. Once your Card has expired or if it is found after you have reported it as lost or stolen you must destroy it by cutting it in two through the magnetic strip and the EMV chip
  11. 11. Cancellation
    1. 11.1. You may cancel your Card free of charge before activating or using it, and up to 14 calendar days after the date of activation (the Cancellation Period) by writing to Customer Services. This does not apply to replacement Cards where the cancellation period for the original Card has expired.
    2. 11.2. You may terminate your Card at any time after the Cancellation Period by contacting Customer Services and exercising your redemption rights under condition 11. You will not be charged for cancelling your card but a redemption Fee may apply if you choose to redeem all of your Available Balance.
    3. 11.3. Once we have received all necessary information from you (including KYC) and all Transactions and applicable fees and charges have been processed and deducted, we will refund any Available Balance to you provided that:
      1. you have not acted fraudulently or with gross negligence or in such a way as to give rise to reasonable suspicion of fraud or gross negligence; and
      2. we are not required to withhold your Available Balance by law or regulation, or at the request of the police, a court or any regulatory authority.
    4. 11.4. Once your Card and Account have been cancelled, it will be your responsibility to destroy your Physical Card(s).
    5. 11.5. If, following reimbursement of your Available Balance, any further Transactions are found to have been made or charges or fees incurred using the Card(s) or we receive a reversal of any prior funding Transaction, we will notify you of the amount and you must immediately repay to us such amount on demand.
  12. 12. Expiry & Redemption
    1. 12.1. You will not be able to use any of your Cards following the Expiry Date of your Primary Card. Upon expiry of your Primary Card, you will still be able to obtain a refund of any Available Balance in accordance with condition 11.2, or you may choose to transfer the remaining funds to a replacement Card by contacting Customer Services. Only Primary Cards will be replaced in accordance with this condition; you may apply for replacement Additional Cards in accordance with condition 8.
    2. 12.2. You can terminate this Agreement, and your funds are available for redemption, by contacting Customer Services at any time. When we process your redemption request, we may require you to provide us with KYC information and/or documents in order to verify your Personal Details in accordance with legal requirements. There is a delay of sixty (60) days in order to verify settlement of any outstanding transactions against your Account. We may charge a redemption Fee if you request redemption of your Available Balance before expiry of this Agreement.
    3. 12.3. We shall have the absolute right to set-off, transfer, or apply sums held in your Account or Cards in or towards satisfaction of all or any liabilities and fees owed to us that have not been paid or satisfied when due.
  13. 13. Termination or Suspension of your Card and Account
    1. 13.1. We may terminate this agreement at any time:
      1. by giving you two month’s advance notice (provided to the email address that you have provided us with);
      2. with immediate effect if:
        • we discover any of the information that you provided to us when you applied for the Card was incorrect or false; or
        • you have breached this Agreement or we have reason to believe that you have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your Transactions due to the actions of third parties.
    2. 13.2. We can suspend your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) if:
      1. we discover any of the information that you provided to us when you applied for your Card was incorrect; or
      2. a Transaction has been declined because of a lack of Available Balance; or
      3. you have breached this Agreement or we have reason to believe that you have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your Transactions due to the actions of third parties.
    3. 13.3. In the event that we do suspend or terminate your Card then, where lawfully permitted, we shall notify you in advance or as soon as possible afterwards. We may advise anyone involved in the Transaction if a suspension has taken place.
  14. 14. Loss or Theft of your Card.
    1. 14.1. You are responsible for protecting your Card as if it were cash in your wallet – if it is lost or stolen, you may lose some or all of the money on your Card. In the same way as if you lost your wallet unless you contact us as specified in this condition.
    2. 14.2. You must contact us immediately by calling Customer Service if you know or suspect that a Card is lost or stolen or that the PIN or any Card related security details is known to an unauthorised person or you think a Transaction has been incorrectly executed.
    3. 14.3. You shall be liable for up to a maximum of €150 of losses due to unauthorised Transactions made before you informed us about the theft or loss of the Card. If our investigations reveal that you authorised a disputed Transaction or that you acted fraudulently or negligently (for example, by not keeping your Card or PIN safe), you may be liable for any loss we suffer due to use of the Card.
    4. 14.4. Once a loss, theft or unauthorised use of your Card is reported, use of the Card shall be blocked to avoid further losses.
    5. 14.5. Replacement Cards will be sent to the most recent address you have provided and will be subject to a Fee.
    6. 14.6. You agree to cooperate with our agents, any supervisory authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card.
    7. 14.7. We will refund the amount of any unauthorised or incorrectly executed Transaction immediately unless we have any reason to believe that the incident may have been caused by a breach of this Agreement, through gross negligence or we have reasonable grounds to suspect fraud.
  15. 15. Payment Disputes
    1. 15.1. If you dispute a Transaction that you have authorised and which has been processed on your Card, you should settle this with the person you bought the goods or services from; we are not responsible for the quality, safety, legality or any other aspect of goods or services purchased with your Card.
    2. 15.2. If your dispute with a Merchant relating to a Transaction cannot be resolved you should contact us at Customer Services, and we will attempt to assist you as far as is reasonably practicable and may charge you a chargeback-processing Fee.
    3. 15.3. If you have reason to believe that a Transaction for which your Card was used was unauthorised or allocated to your Account in error, you may ask us to investigate the Transaction. If we investigate the Transaction, the disputed amount will be unavailable to spend until our investigation is complete and if we receive information that proves the Transaction was genuine, this will be deducted from your Available Balance and we may charge you an investigation Fee. If you do not have sufficient Available Balance, you must repay us the amount immediately on demand.
  16. 16. Foreign Exchange
    1. 16.1. If you use your Card in a currency other than the currency in which your Card is denominated, the amount deducted from your Available Balance will be the amount of the Transaction converted to your Account currency using a rate set by the Scheme on the date the Transaction is processed. 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. You may also be charged a foreign exchange Fee as set out in the Fees & Limits Schedule.
    2. 16.2. Please refer to the following Scheme websites (as applicable) for more information on the applicable exchange rates:
  17. 17. Our liability
    1. 17.1. We shall not be liable for any loss arising:
      1. from any default resulting directly or indirectly from any cause beyond our control, including but not limited to, a lack of funds and/or failure of network services at ATMs, maximum withdrawal limits set by ATM operators and failure of data processing systems;
      2. from any loss of profits, loss of business, or any indirect, consequential, special or punitive losses;
      3. any use of this Card that is contrary to this Agreement;
      4. for goods or services that are purchased with the Card; and
      5. for any damages due to loss, fraud or theft that you have reported to us 13 months after the event.
    2. 17.2. We will not be liable to you if your contact details have changed and you have not told us.
    3. 17.3. Where the Card is faulty due to our default, our liability shall be limited to replacement of the Card;
    4. 17.4. Where sums are incorrectly deducted from your Available Balance due to our default, our liability shall be limited to payment to you of an equivalent amount.
    5. 17.5. Nothing in this Agreement shall exclude or limit our liability for death or personal injury resulting from our negligence or fraud.
    6. 17.6. To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded.
    7. 17.7. The above exclusions and limitations set out in this paragraph shall apply to any liability of our affiliates such as the Schemes, and other suppliers, contractors, distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement.
  18. 18. Complaints
    1. 18.1. Should you wish to complain about any aspect of our service please contact our Customer Care Team at Customer Services detailing the nature of your complaint.
    2. 18.2. We take complaints very seriously and value the opportunity they provide to assist us with reviewing the way we do business and helping us meet our customers’ expectations. We expect our Customer Care Team to respond to your complaint within five working days.
    3. 18.3. If having received a response from our Customer Care Team you are unhappy with the outcome, please contact the Complaints Officer of TPL directly in writing via email on
    4. 18.4. If the Complaints Officer is unable to respond to your complaint immediately, you will receive confirmation that your complaint has been received and a formal investigation will be conducted. It is anticipated that you will receive a formal response of their findings within four weeks.
    5. 18.5. In the unlikely event that we are unable to resolve your issue and you wish to escalate your complaint further, please contact the Financial Services Commission at: Payment Services Team, Financial Services Commission, PO Box 940, Suite 3 Ground Floor, Atlantic Suites, Europort Avenue, Gibraltar or email
    6. 18.6. You must provide us with all receipts and information that are relevant to your claim.
  19. 19. Personal Data
    1. 19.1. In using your Card, you agree that we can use your personal information in accordance with this clause as amended from time to time, which includes details of the personal information that we collect, how it will be used, and who we pass it to.
    2. 19.2. In this clause personal information means any information that you give to us which can include:
      1. your contact information (e.g. name, address, phone number, email, billing or mailing address);
      2. your date of birth;
      3. usernames and passwords;
      4. your identity validation (e.g. passport and driving licence copies and details);
      5. information that you provide by filling in forms on our site or applications to use our services;
      6. records of any correspondence when you contact us;
      7. details of transactions you carry out through our website or via use of our services and of the fulfilment of your transaction requests;
      8. details of your visits to our website including the resources that you access and your IP address; and
      9. confidential details about any matter on which you choose to engage us, as well as your bank account and/or other payment details for the purpose of paying our charges.
    3. 19.3. We will keep your personal information for only as long as we need to or are allowed to by law. Under the Data Protection Act 2004, you have certain rights to receive a copy of the personal information we hold about you and we may charge you a fee for obtaining a copy of this information.
    4. 19.4. We will process and record your personal information, including details of your Transactions for the following purposes:
      • so that we can manage your Account and Card;
      • to carry out, monitor and analyse our business;
      • to ensure compliance with any laws or regulations in any country.
    5. 19.5. We will only provide you with direct marketing information including third party marketing information if you opt-in to receive such information.
    6. 19.6. We may reveal your personal information to the following third parties:
      1. companies and organisations who provide a service to us or are acting as our agents (including their sub-contractors), on the contractual understanding that they will keep the information confidential and subject to the same legal requirements regarding privacy and security;
      2. any third party as a result of any restructure, sale or acquisition of any company within our Group, provided that any recipient uses your information for the same purposes as it was originally supplied to us and/or used by us.
    7. 19.7. We may pass your information outside the EEA to other countries, including the United States of America. The legal regimes of some territories outside of the EEA do not always offer the same standard of data protection as those inside the EEA. Where data is transferred outside of the EEA to a country or territory whose laws do not provide adequate levels of protection to personal data, we shall ensure that that suitable contract terms are in place within our group in relation to internal transfers of data, and third parties in relation to external transfers, so that your personal data is processed in accordance with our instructions, and procedures are in place to ensure its on-going security.
    8. 19.8. Questions, comments and requests regarding our processing of your personal data are welcomed and should be addressed to Transact Payments Limited at PO Box 1254, Unit 4A 4th Floor Leisure Island Business Centre, 23 Ocean Village Promenade, Ocean Village, Gibraltar.
  20. 20. Changes to the Terms and Conditions
    1. 20.1. We may update or amend this Agreement (including our Fees & Limits Schedule). Notice of any changes will be given on the Website and by notification by e-mail or by means of mobile device (provided that you have provided us with an up-to-date email address and mobile phone number) at least 2 months in advance.
    2. 20.2. If you do not agree with the changes to the Agreement, you may at any time within the 2 months' notice period terminate your Agreement in accordance with our cancellation policy (condition 10) and can redeem any unused Available Balance at that time without incurring a Fee. You will be deemed to have accepted any change to this Agreement unless you notify us of any objection before the proposed date of the change.
    3. 20.3. 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 reasonably practical.
  21. 21. Miscellaneous
    1. 21.1. This Agreement is governed by Gibraltar law and you agree to the exclusive jurisdiction of the courts of Gibraltar.
    2. 21.2. 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.
    3. 21.3. The Card is a payment service product and not a deposit or credit or banking product and, as such is not governed by the Deposit Security Scheme of Gibraltar. We will safeguard your funds so that they are protected in accordance with applicable law if we become insolvent.
    4. 21.4. If any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in full force and effect.
    5. 21.5. You may not assign or transfer any of your rights and/or benefits under this Agreement 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 this Agreement have been paid by you in full. We may assign our rights and benefits under this Agreement to a third party and may subcontract any of our obligations under this Agreement.
Mobile and web account Free
Transferto mobile top up account Free
WEGA reloadable virtual Mastercard (primary) £4.90
WEGA reloadable 3DSA Mastercard £29.90
Additional WEGA 3DSA Mastercard £19.90
Additional reloadable virtual Mastercard (age 18+ £4.90
Upgrade from virtual card to 3DSA physical card $19.90
Replacement WEGA 3DSA Mastercard £19.90
Single use virtual card £0.65
Monthly service charge £2.50
WEGA 3DSA Annual Subscription (as of 1st anniversary of card activation) £10.00
3DSecure for online transactions per month £1.50
Contactless (when available) Free
Debit card load (online or mobile app) 4.5% with ₤2.50 min
Bank transfer load 2.0% with ₤2.00 min
Voucher load (max voucher value £200) 6.5% with £3.00 min
Card to Card Transfer (receiving) Free
Activation Free
PIN first retrieval Free
PIN reminder £0.75
Balance Check Free
Card to Card Transfer (outgoing) Free
Block Card Free
Unblock Card £1.00
Activation Free
PIN first retrieval Free
PIN reminder £0.75
Balance Check Free
Card to Card Transfer (outgoing) Free
Block Card Free
Unblock Card £1.00
Shipping fee Domestic Standard £3.90
Shipping fee Special Delivery £13.50
Card Cash Out/Card Refund Fee £12.00 + bank fees
Chargeback £25.00
ATM Domestic 2.0% with ₤2.00 min
ATM International 2.5% with ₤3.00 min
ATM Balance Inquiry £0.50
PIN Change £1.00
PIN Unblock £1.00
ATM Decline £0.50
POS Domestic Free
POS International £1.50
POS Decline £0.50
Initial PIN Enquiry Free
Subsequent PIN Enquiry £1.00
IVR balance request £0.50
Upgrade fee (manual KYC) £5.00
Foreign Exchange Fee 3.00%
Inactivity fee (charged monthly 180 days after non activity prior to the Card’s expiry and provided you have an Available Balance) £3.00
Automated information Free
Customer service contact fee for selective services £1.50
Expired Account fee (charged monthly, starting 90 days after the Card’s expiry provided you have an Available Balance) £3.00
Facebox Secure Certified® per month £1.00