Application Process  

You can apply quickly and easily online, or if you prefer, you can apply over the telephone. There are no credit checks, so there is no need to worry about your past credit history affecting your application.

• Apply online: Fill in a simple application form online and the OneBanking team will be in touch shortly to help you complete your application
• Apply by Phone: Give the OneBanking team a call and they will take you through the application process.

Once you have applied, your welcome pack and prepaid Mastercard card(s) will be sent to you. You can pay into your account at any NatWest branch and even have your salary paid in directly by your employer.

Card Features  

• Open to everyone*, quick and easy to apply
• Avoid bank charges and overdraft fees
• Control your account securely online, by text or over the phone

* OneBanking is only open to persons aged 18 and over. Subject to ID verification. Conditions apply.

Card Design  

At this stage, only one card design is available but it is an extremely attractive piece of plastic for your wallet.

Card Fees  

The OneBanking Prepaid Account is available as a single cardholder account or a dual cardholder account and the tariffs only vary with respect to the monthly fee.

• Card Issue Fee: £0.00
• Monthly Fee: £12.50/£17.50 (Single/Dual Card Account)
• Transaction Fee UK: £0.00
• ATM Withdrawal Fee UK: £1.50
• Reload Fee: Free via Bank Transfer, £1.00 via Post Office

Account Management  

You can service your account on the OneBanking website. You can use this to manage your prepaid card account and move money between your cards. You can also view your balance, recent transactions and change your personal details. You can also have a one-to-one conversation with your account manager over the Telephone.

Using broad  

Using your OneBanking prepaid Mastercard abroad is quite easy. A POS transaction abroad is free (a FX fee is charged) but an ATM withdrawal will cost you £3.00. Furthermore, if you use your card in a non-GBP region, you will incur a 2.75% foreign exchange (FX) fee.

Reload Options  

Funds can be loaded on to your OneBanking prepaid Mastercard in a couple of ways:

• Using Post Office: £1.00
• Bank Transfer or Cheque: Free

Customer Services  

There are a number of ways you can get in touch with the OneBanking Customer Services team.

• By Email: Visit “Contact Us” section on the website
• By Telephone : 0845 677 8887
• Lost and Stolen Cards: 0845 677 8887
• By Post – Spectrum Card Services Limited, Alford House, Bell Meadow Business Park, Pulford, CH4 9EP

Complaints Procedure  

If you are unhappy in any way with your OneBanking Account or OneBanking Prepaid Mastercard card, you should get in touch with the OneBanking team using any of the methods described in the Customer Service section.

Upon receipt of your complaint, if they are unable to sort it out quickly, they will send you a prompt written acknowledgement to confirm that they are dealing with it. As well as keeping you updated during the resolution process, they will send you their final response within eight weeks (or explain why we are not in a position to make a final response).

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  

The OneBanking Facility with the OneBanking prepaid Mastercard is an excellent initiative which has been launched recently. All we can say is “Watch this space!”

Overall Card Ratings  

Definitely more than just a prepaid card – an excellent innovation and a wonderful initiative!