Cashplus Gold Prepaid MasterCard Review 
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Pay Monthly (Activeplus)
- Monthly Fee £4.95
- UK POS £0.00
- UK ATM £2.00
- FX FEE 2.99%
- INTL POS £0.00
- INTL ATM £3.00
- LOAD Free at Post Office or via bank transfer or wage transfer
Pay As You Go (Flexiplus)
- Monthly Fee £0.00
- UK POS £0.99
- UK ATM £2.00
- FX FEE 2.99%
- INTL POS £0.00
- INTL ATM £3.00
- LOAD Free at Post Office or via bank transfer or wage transfer
Find out more
Cashplus provide you with reassurance and familiarity and have a great track record with- Over 1 million Cashplus cards already issued
- More than £1 billion in payments processed
Reviewed by Prepaid365 on .
The Best General Spend Prepaid Card around!
Comes with 5 different price plans, creditbuilder, free purchase protection, cashback rewards and a whole lot more.
Rating: 4.5
Application Process
You can apply for the Cashplus Prepaid Mastercard online or at numerous retail partner outlets across the country.
- Apply online – Order online in minutes – it’s easy and as long as you live in the UK and you’re 18 or over, you’re guaranteed to get one.
- Apply at a Retail Outlet – Simply visit one of the Cashplus retail partner outlets and apply for your Cashplus prepaid card at your nearest cashplus retail outlet. You will need at least two types of identification (one that includes your photograph and one that proves your UK home address) and funds to cover your card issue fee and first monthly subscription fee, if applicable and the amount you want to load on to the card.
That’s it and your Cashplus Prepaid Card should be with you in the next 3-5 days.
Card Features
- 5 different price plans to choose from to suit your needs.
- FREE purchase protection.
- Helps you to build your credit history using the Creditbuilder feature.
Card Design
The award winning Cashplus prepaid Gold Mastercard is available in a single iconic design and is the only GOLD prepaid card available in the market.
Card Fees
There are five pricing plans to choose from – a Pay As You Go Cashplus Flexiplus product, two Pay Monthly Cashplus products, Activeplus (£4.95) and Deluxe (£9.95), with different fee structures to suit different usage patterns, Cashplus Premier that has a one off yearly fee and no monthly fees and a fifth Cashplus product which is better suited for payroll needs.
Cashplus Flexiplus (Pay As You Go):
- Card Issue Fee – £9.95.
- Monthly Fee – Free.
- Transaction Fee UK – £0.99.
- ATM Withdrawal Fee UK – Up to £2.00.
- Reload Fee – Free at Post Office or via bank transfer or wage transfer.
Cashplus Activeplus (Pay Monthly):
- Card Issue Fee –
£9.95. £4.95 - Monthly Fee – £4.95.
- Transaction Fee UK – Free.
- ATM Withdrawal Fee UK – Up to £2.00.
- Reload Fee – Free at Post Office or via bank transfer or wage transfer.
Cashplus Deluxe (Pay Monthly):
- Card Issue Fee – £9.95.
- Monthly Fee – £9.95.
- Transaction Fee UK – Free.
- ATM Withdrawal Fee UK – Free.
- Reload Fee – Free at Post Office or via bank transfer or wage transfer.
Cashplus Premier (Pay Annually):
- Card Issue Fee – £29.99.
- Monthly Fee – Free.
- Transaction Fee UK – Free.
- ATM Withdrawal Fee UK – £0.99.
- Reload Fee – Free at Post Office or via bank transfer or wage transfer.
Cashplus Freedom:
- Card Issue Fee – £9.95.
- Monthly Fee – Free if you load £1000 per month or £4.95 per month.
- Transaction Fee UK – Free.
- ATM Withdrawal Fee UK – £0.99.
- Reload Fee – Free at Post Office or via bank transfer or wage transfer.
Choose the price plan that is right for you. For a complete fee structure listing, review the terms and conditions on the cashplus website before you make a final decision.
Account Management
You can manage your account online with the Cashplus Prepaid Card. When you become a Cashplus customer, you get access to the Members Area on the Cashplus website. You can register and activate your card and once registered, you can use the online account management functionality to
- activate your card
- check your balance
- review and print your statements and
- transactions at any time.
Using Abroad
The Cashplus prepaid card is Mastercard branded which means that you can use it at over 30 million merchants worldwide as well as to withdraw cash at over 2 million ATM’s worldwide.
However, the card is only available as a GBP card and hence, will incur an FX fee when used for making transactions and withdrawals abroad in non GBP regions. The FX fee charged on the Cashplus account is 2.99% of the transaction amount. ATM withdrawals abroad incur a £3.00 fee in addition to this FX fee making usage abroad an expensive option.
Hence, whilst you can use your card abroad, the Cashplus prepaid card is not recommended as a travel card for usage abroad.
Reload Options
Funds can be loaded on to your Cashplus Gold Prepaid Mastercard in a number of ways:
- Post Office Outlets – Free.
- Cashplus Retail Outlets – Free.
- e-PAY Outlets – £2.00 per load.
- Bank account transfer – Free.
- Wage Transfer – Free.
Simply find the reload option that works best for you.
Customer Services
If you need assistance, you can contact the Cashplus prepaid Mastercard Customer Services team by Customer Services on 0871 277 5599 Mon to Fri 8am to 6pm, Sat 10am to 4pm. Calls will be charged at 10p per minute from BT landlines or by writing to Cashplus Customer Services at PO Box 466, Salford, M50 2XU.
- By Telephone : 0871 277 5599 – £0.10 per minute from BT landlines.
- By SMS: Send SMS to 07797 800 601 – 25p per message plus network rates.
- IVR: +44 (0)845 520 0025 – FREE local rate.
- Lost and Stolen: 0871 277 5599 – £0.10 per minute from BT landlines.
Complaints Procedure
If you have a complaint or are unhappy with any aspect of the way your account is being run, you should contact Customer Services so that your concerns can be investigated. A copy of the complaints procedure is available on request. Alternatively you can contact the Cashplus team in writing by sending your letter to: Complaints Department, PO Box 466 Salford M50 2XU
You may be able to take unresolved complaints to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800 or +44 (0)20 7964 1000 (for calls from outside the UK) and e-mail: enquiries@financial-ombudsman.org.uk
Awards
Winner of the following awards
- Best General Purpose Prepaid Card – Prepaid365 Prepaid Card Awards 2010
- Best Internet Shopping Prepaid Card – Prepaid365 Prepaid Card Awards 2010
- Best General Purpose Prepaid Card – Prepaid365 Prepaid Card Awards 2009
- Best Unbanked Prepaid Card – Prepaid365 Prepaid Card Awards 2009
- Best New Prepaid Card – Cards International Global Awards 2007
- Best Cardholder Service Award – Mastercard Prepaid Awards 2007
- Hallmark of Innovation Award – ifs/Capgemini 2006
The Cashplus prepaid Gold Mastercard is easily the most awarded prepaid card product in the UK Market.
Overall Rating
Multiple award winning general spend prepaid card!
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