Ramsdens Mastercard® Prepaid Cards are used to buy and spend currency.

Available as a Euro or US Dollar card, you can purchase online or from one of our branches. This card won’t have your name on it, but it can be loaded, activated and used immediately. Your card can then be taken with you when you go away and used to pay for bills, trips etc wherever you see the Mastercard® Acceptance Mark.

They are different from credit and debit cards and work like pay-as-you-go mobile phones where you need to load money on to them in the first instance. So, each time you use the card to purchase something or withdraw cash at an ATM, the amount is deducted from the cards' balance.

The cards are intended to be re-loaded with funds and used every time you travel abroad up until the expiry date on the card. Please see the fee table for maximum loading limits.

Ramsdens Mastercard® Prepaid Cards could be great for people who:

• Regularly travel abroad, and want an easy and safe way* to buy, carry and spend travel money.
• Are looking for a flexible alternative to travellers' cheques, physical cash and credit or debit cards.
• Want great FX rates, and don’t want to worry about fluctuating rates when abroad.
• Want to reduce the risk of overspending when they are away.
• All applicants must be 18 years old, and over, and a UK resident. Acceptance is subject to successful identification verification.

Buying and spending currency using the card is easy. Simply:

• Purchase your travel card online or from a Ramsdens branch nationwide
• Load your card instore or online by creating a web account
• Retrieve your PIN following the instructions provided with your card
• Take your card with you when you travel and spend wherever you see the Mastercard® Acceptance Mark
• Top up your card online, when your cash runs low during your trip, or in time for your next holiday
   

Funds can be transferred from an existing debit card onto the Ramsdens Mastercard® Prepaid Card when you buy the card.

For all cards money can be loaded onto the card when it runs low, by logging in to your personal web account and moving money from an existing debit card. Cards can also be loaded in store by cash, credit or debit card.

We have tried to keep the card fees as low as possible. For a full breakdown, please see the fee summary table.

Create your online account here. From your account you can manage your money (loading your card/viewing your transaction history).

Yes, cards will work in most ATMs worldwide and with most retailers with electronic terminals that accept Mastercard® cards. However, there is a cross currency charge applied where the transaction is performed in a different currency from the card. Other surcharges may apply when withdrawing cash. See the fee summary table.

The Euro and Dollar cards aren't restricted to being used abroad, and can be used just as easily in the UK. However, there is a cross currency charge applied where the transaction is performed in a different currency from the card. See the fee summary table.

Yes - wherever you see the Mastercard® Acceptance Mark*

* Subject to the retailers Terms & Conditions.

When you receive your card, you will need to call 01244 770543 (Calls charged at standard network rate. Lines are open 24/7) to retrieve your PIN. You can change this number to a more memorable one at any time (you can do this at most ATMs which display the Mastercard® Acceptance Mark).

If you have forgotten your PIN you will need to call 01244 770543 (Calls charged at standard network rate. Lines are open 24/7) to retrieve your PIN. You can change this number to a more memorable one at any time (you can do this at most ATMs which display the Mastercard® Acceptance Mark) Please check that your card is active; you can check this via your online account. If your card is active then please call 01244 770542 (Calls charged at standard network rate. Lines are open 24/7) . If your card has not been activated then call 01244 770543 (Calls charged at standard network rate. Lines are open 24/7) to activate and get your PIN.

If your card is lost, stolen or damaged you must get in touch with us as soon as you can using 0800 0835284 if calling from the UK, or +44(0)1159 577420 if calling from outside the UK. (Lines are open 24/7. Calls are charged at your standard network rate. Calls from mobiles may be considerably more.) We will then cancel your card. A new card will be issued to you within 7-10 working days, and any funds will be moved to your new card.  Please see the fee table for the cost for a replacement card.

You should treat your Card like cash in a wallet. If it is lost or stolen, you may lose some or all of your money held on it, in the same way as if you lost your wallet. As a result, you must keep your card safe and not let anyone else use it. You must keep your PIN secret at all times.

We recommend that you regularly check the balance of your card and recent statement online from your personal web account to ensure that all transactions are accounted for.

Please note that if the card is lost or stolen whilst abroad, unfortunately we are not able to send a replacement to a foreign destination.  Your new card will instead be sent to the registered UK address.

If your new card replaces a card which has been lost or stolen, then you will need to call 01244 770543 (Calls charged at standard network rate. Lines are open 24/7) to activate it and to receive your card PIN. However, if your new card simply replaces a card which was damaged then your card will already be activated and you can continue using your existing PIN.

You can reset your password online here. Simply click the 'Forgotton password' link.