New - Orange Prepaid Card Review

Product Snapshot
"Orange Cash" is the new prepaid MasterCard launched by the team at Orange. It is the UK's first major contactless prepaid MasterCard. The Orange prepaid card is perfect for first time card users allowing them to take total control of their spending. The Orange prepaid card is a secure alternative to carrying around cash and can be used in over 30 million locations that accept MasterCard within the UK and abroad, as well as online.

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The Orange Cash card is also the UK’s first prepaid card to be offered with rewards that can be used on the customer’s Pay As You Go mobile phone (Orange Pay As You Go phones only). Key features include

• New, easy-to-use contactless Orange Cash prepaid MasterCard® allows customers to make faster payments on the high street
• Orange Cash customers earn points as they spend, which are redeemable against a great range of rewards including Pay As You Go Orange texts, airtime, credit or Orange shop vouchers
• MasterCard PayPass™ Contactless card technology enables customers to quickly make purchases of £15 or under wherever the contactless symbol is displayed

The Orange Cash prepaid card also helps customers manage their money securely from their mobile while on the move as they can manage their card using SMS functions after registering their card. In addition Orange Pay As You Go customers can manage their account just by texting 311.  It’s also easy to top up an Orange Pay As You Go Phone from the Orange Cash account, while funds can also be transferred between Orange Cash cards.

The Good
The UK's first major contactless card makes it quick and easy to tap and pay and Orange Cash customers can earn rewards for their spend and redeem it against PAYG texts, airtime, credit or Orange shop vouchers. Makes spending on your prepaid card a whole lot more rewarding.

The Not so Good
The Orange prepaid card is only available in GBP which means that it is better for domestic everyday use and not really for usage abroad where an ATM withdrawal may cost you a 2.95% withdrawal fee on top of a 2.75% foreign exchange fee - Ouch! Topping up with your credit card can set you back 4% of your load value so is definitely not recommended but free options exist to top up with your debit card.

Application Process

• Apply online - Simply visit the Orange Cash Pre Paid Card site and click on the "Apply Now" button. You will then be asked to complete a quick and easy online form, make a small payment towards the card and once accepted successfully, your card will be sent out to you in the post.

Note: Your Orange Prepaid MasterCard should normally arrive in 7-10 working days. The Orange prepaid card team will provide your PIN when you call them 020 8264 8311 to activate your card.

Card Features

• Contactless Prepaid Card makes it quick and easy to tap and pay.
• Get Orange Shop voucher rewards as you spend on your Orange Prepaid Card.
• Chip and PIN ensures you are covered for loss and theft.
  

Design
Currently there is only one elegant black design for the Orange Prepaid MasterCard card.

Fees
The Orange Cash card is a Pay as you go prepaid card with no monthly fees and some excellent free options for loading the card via your debit card and at Orange shops across the UK.

• Card Issue Fee - £5.00
• Monthly Fee - FREE
• Transaction Fee UK - FREE
• ATM Withdrawal Fee UK - 2.75%.
• Reload Fee - Debit card loads are FREE, £1.50 via Post Office.

Online Account Management and Self Servicing
You can manage your Orange Prepaid Card using Orange's online account management facilities free of charge. If you are on the Orange Mobile Network, you can even manage your money online via your mobile by text. You can use the Orange Cash Card online account to undertake the following:

• Check your balance
• See transactions and statements online
• Load funds on to your orange Prepaid MasterCard and
• update your details.

You can also manage main functions such as checking your balance, your last three transactions, topping up your mobile and loading funds onto another Orange Cash card using SMS text messages. Find out more on the Orange Cash website.

Using Abroad
The Orange MasterCard Prepaid card is only available in GBP and hence, usage abroad is subject to a 2.75% foreign transaction fee on top of any fees associated with the actual transaction or ATM withdrawal. So the Orange Prepaid card is best suited for usage in the UK and domestic purchases.

That said, it is a prepaid MasterCard which means that your Orange Cash card can be used around the world at over 30 million global locations for purchases as well as making withdrawals at over 2 million ATM's that accept MasterCard.

So you can definitely use your Orange cash prepay card anywhere in the world but it is best suited for everyday use in the UK. However, if your primary intention is to use this card abroad, then it may be worth considering other prepaid travel cards.

Reload Options
Numerous reload options exist with the Orange prepaid card.

• Using Debit Card Online - FREE
• Using Credit Card Online - 4% of load value
• Using Cash at Orange Shops - FREE
• Using Cash at Post Office - £1.50 per load
• Using Cash at PayPoint/Payzone/epay - £1.50 per load
• Bank/Wage Transfer online - FREE

Note: The minimum load amount is £10.00 for Orange shops, Post Office and PayPoint loads but online account loads have a minimum £20.00 load value. You can find additional details at the Orange Cash website.

Customer Service
The Orange Cash prepaid MasterCard customer services team can be reached using various options as detailed below.

• Telephone : +44 (0) 208 264 8311 or Dial 311 for Orange customers (50p per Min)
• Email: customer.services@orangecash.co.uk
  
• Lost and Stolen: +44 (0) 208 264 8311 or Dial 311 for Orange customers (Call 24/7)
  
• By Post: Orange Cash Customer Services, PO Box 3371, Swindon, SN5 7WJ.

Complaints Procedure
If you are unhappy with any element of your Orange Prepaid MasterCard or the service related to it, you can send complaints in writing to PO BOX 3371, Swindon SN5 7WJ, by e-mail to Customer.Services@Orangecash.co.uk or by calling 0208 264 8311. All complaints are subject to the Orange Complaints Procedure and the Orange Cash customer services team will make every effort to resolve your complaint at the earliest.

If you are still not satisfied after following these procedures, you can ask the Ombudsman to review the complaint. Alternatively you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR or telephone 0845 080 1800. Calls may be recorded. Note that the FSCS scheme does not apply to prepaid cards.

Awards
The Orange card has only been launched recently but watch this space to see if the future is truly Orange!