Cash Plus Prepaid MasterCard Reviews
Latest Reviews
★☆☆☆☆
“cashplus mastercard ”
Written on: 21/05/2013
I've been with cashplus prepaid mastercard for 10 months then the problems started as i had reached my yearly top up limit of £2000. never received any warning texts or emails that i was nearing my limit hense i deposited £75 in my account and coudn't touch it.no the problem started as i phoned customer services for 11 mins then i hung up as i music for 11 mins it cost me £6 on my mobile.you don't get a msg every min letting you know where you are in the que so you have the option to... (read more)
★☆☆☆☆
“Worst every customer service”
Written on: 18/05/2013
Opened a business account with them after their claim of being a BEST BUSINESS BANK ACCOUNT and paid £29.99. Needed to contact customer service for a issue (small issue) and the lady on the other side was hell rude, trying to impose her decisions on us without even listening to us. We asked about the transaction and we were told how to order a pizza (mean to say the answer received was totally irrelevant). STAY AWAY (read more)
★★★★★
“Brilliant”
Written on: 10/05/2013 by spanyo
I have the card just over a month. Easy and free to top up online. Easy to transfer money between accounts and they have already offered me an I advance loan, and the interest is cheap :0) Good customer service. free Euro card with decent exchange rates. Good online account management. Accepted everywhere. I can withdraw up to £500 a time at cash machines. I dont understand all the negative feedback. £4.95 a month and I have credit builder so if £5 a month helps improve my rating at... (read more)
★★★☆☆
“Poor service”
Written on: 06/05/2013 by blackwizard03
Very poor customer service on the phone, waited 35 mins to speak to someone £3.50, also asked them to raise limit of how much i can load, was told no problem 8 month ago, still waiting, ordered a dollar card from them 10 weeks ago still not here. Could be lost in post so cancelled it on line, tryed again to record another one but put the phone down after 40 mins, also they state there open 8am till when ever mon to fri, but only for 4 hrs on a sat, what the dont mention is there not open... (read more)
★☆☆☆☆
“Absolute Waste of Time”
Written on: 02/05/2013 by Brian_K
I opened a business account with Cash Plus, fine no problem, then applied to upgrade the account for full access. Send two verified copies of our passport (partnership), letter from our accountant and an original monthly VAT certificate. After ten days no reply, called them (ten minutes to answer the phone). Guy on the other end informed me there was insufficient information to upgrade the account, but couldn't tell me what more they wanted without speaking to his manager. You would think... (read more)
★★☆☆☆
“Good until you need to contact customer services”
Written on: 25/04/2013
The cards and the members area are good and easy to use. I've used the overdraft they offer which works well, but when you try to cancel the overdraft thats where you will have problems. You have to phone customer services, there is no secure messaging or email address. You have to wait 10-20 minutes (@10p a minute) until they answer and after answering all their questions they tell you that to cancel the overdraft that was set up via the website you have to write to FREEPOST CASHPLUS.... (read more)
★★★★★
“EXCELLENT”
Written on: 23/04/2013 by ulsterlad22
EXCELLENT CARD GREAT CUSTOMER SERVICE. HAD FOR OVER 2 YEARS AND NO PROBLEM HERE. DEFINITELY RECOMMEND (read more)
★☆☆☆☆
“Can't access my money”
Written on: 15/04/2013
Have put £400 on my card and I can't access my money as it keeps on getting declined at cashpoints/stores. Please advise on how I can get my money back? Feel really upset and ripped off especially after reading the reviews (wish I'd done this before getting Cash Plus card). Thanks (read more)
★★★★★
“Happy ”
Written on: 06/04/2013
Like others myself and business partner had been turned down by our personal bank HSBC for a new start up business acc, we did not need or want finance but we're credit searched as individuals for a Ltd company anyway so they could offer us a loan facility in the future, even after saying we just need an acc to pay into we dont need or want finance or credit cards! We both have properties and no ccj's etc but still refused, in a way a good thing as we looked for alternatives and stumbled... (read more)
Jalex.jason's Comment
Written on: 09/04/2013
You try resolving any weird issues with them, absolutely useless customer service.
try using it with tesco pre pay pumps !!! Do not work and they don;t know why or care. Five months them searching and they come back with nothing.
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Cjroberstc09's Comment
Written on: 12/04/2013
I have used this card at pumps and It has worked fine for me. You are right that the customer service is rubbish though. I hope you are able to get this issue sorted soon.
I have had my card for about 3 weeks and it was the first thing I did, I have found that the balances are a bit slow to update on the online account though.
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★★★★☆
“Cashplus account LOCKED”
Written on: 28/03/2013
DOES ANYONE KNOW HOW TOO ONLOCK UR ACCOUNT ALSO MY BALANCE IS NOT SHOWING UP THE LAST TOP UP?? CAN SOMEONE HELP MEE PLZZ (read more)
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Showing 1 - 10 of 75 Reviews
★☆☆☆☆
“STAY WELL AWAY!!”
Written on: 18/03/2013 by Roguenin
One thing that comes to mind when thinking about them is : PUSHY!! I was searching for a certain card when I happened to come across their site. I looked around, tried applying, but when we got to the part of money(fee was about 30 pounds, I believe) I left it at that, since I didn't have the money at hand. A few days later A CARD ARRIVED through post, even though the online application wasn't complete. I rang the same day, asking for a bit of details. Truth to be told I didn't know how... (read more)
★★★★☆
“Not perfect, but definitely a great alternative!!”
Written on: 08/03/2013 by jayjay85
I've read rather a few negative reviews on here and thought I would give my say. I have a rather poor credit rating, and couldn't get a standard bank account for abroad. As I was working in Spain for 18 months as a rep, this account was great for me. I was able to get my wages paid in Sterling into a 'Current Account' and transfer the funds I wished to use on a free Euro Card. I found the exchange rates were cheaper than what I would receive with my old bank and the funds were generally... (read more)
★☆☆☆☆
“Try another provider!”
Written on: 04/03/2013
I used the service fine for the first 6 months until I started being charged for an overdraft service I never used or wanted. Its almost impossible to contact customer services and found them very inept once I did manage to get through. It takes roughly 19 minutes to get to speak to someone, then when that person is unable to deal with your issue you have to call back as their telephones are 'incoming calls only' and the managers are 'unavailable'at that time. But as the call centre... (read more)
★☆☆☆☆
“When a 3 month fee free bonanza is not free ”
Written on: 09/02/2013
My son purchased a Cash Plus Pre Paid Card from Cash Plus after their literature stated that there would be no charges for 3 months. After the card arrived he went to the members services where he noticed the price plan section. Either £4.95 per month or £0.99 per transaction. He clicked on £0.99 as he would only make one purchase per month. He tried to make a purchase having charged his card with appropriate money, the transaction was declined. It transpires that by clicking the... (read more)
Tazmac's Comment
Written on: 17/02/2013
Dont trust these what so ever i had a meal at the local indian and tried to pay with this card i was in more than enough credit and it was declined,i checked online after to see the payment pending.I tried to draw money out from a machine and the card was blocked i called and told CS and they claimed the card had no problem.This card has never worked
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Scambuster555's Comment
Written on: 22/02/2013
yes i quite agree when it states avoid this company and card. read review after review and after my own experience costing £1500 they sure are rip of. BEAWARE of these prepaid master cards.
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★★★★★
“Fantastic, brilliant, recommend. Better than High St...”
Written on: 22/01/2013
We wanted to open up a basic business account, but a particular High Street Bank that we have been trading with for years have been dragging their feet and have still not opened a foundation bank account for our new limited company and they asked a lot of personal questions ??. We contacted MyCashPlus soon after we had written and supplied our autobiographies to the High Street Bank. Don't know why we bothered with the High street Bank, we should have gone straight to CashPlus. Opened up the... (read more)
★☆☆☆☆
“Terrible Customer Service!”
Written on: 11/01/2013 by DogWithABone (2 reviews written)
I checked my Credit Score online a couple of months ago and discovered that CashPlus had made an incorrect entry on my file more than a year ago. The entry wrongly states that my account with them is "delinquent" and that there is a small outstanding balance (even though my account with them has been at £0 for over a year). This incorrect entry had resulted in my credit rating being substantially worse than it should have been for the past 12 months. I had specifically decided to use this... (read more)
Dogwithabone's Response to DogWithABone's Review
Written on: 20/01/2013
Well I finally had a response to my second letter. They claim that they didn't acknowledge the first letter of complaint because they decided it wasn't a complaint (even though it was addressed to their complaints department). It's laughable really. How can a letter addressed to their complaints department stating that they've made an incorrect entry on my credit file be deemed not a complaint? What else could it possibly be?
I'll let everybody form their own opinions as to whether or not they've failed to adhere to the Financial Services Authority guidelines which state that a letter of complaint should be acknowledged. I'll be interested to hear what the FSA make of their stance.
They also admitted to making the mistake on my credit file but offered no apology even though it had been sitting there for a year presumably having a negative impact on my credit score.
I certainly won't ever be using this company again!
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★☆☆☆☆
“Terrible and misleading company”
Written on: 28/12/2012 by syedhasan (2 reviews written)
I opened my company account Saint John Trading, with this company and they gave me Total Access (mean i can operate my account normally), I felt good and started using my account, when my balance reached to around 1500 they blocked my account and gave me reason that i need to send ID documents. Which i have sent twice and still they are giving excusis that thay have not received it. I asked to send through an email but they say they dont accept emails. WHY THE HELL ON THE EARTH SUCH... (read more)
Webweasel's Response to syedhasan's Review
Written on: 03/01/2013
They can operate this way with the full permission of the existing law. All they have to do is state that they have a 'query' regarding your identity and that's sufficient under Money Laundering laws to freeze your account. Sad but true. Best advice I can give is firstly send them a Special Delivery letter with your documents and your letter of complaint, stating that you will involve the Financial Ombudsman and will additionally initiate a Small Claims action against them for damages. If you limit the value of the action to, say, £2000 then neither you not them can claim legal costs.....Give them 14 days to respond then report them to the Ombudsman. It might take some time to get your money back, but phoning them is a total waste of time and money. They don't take emails for the very good reason that it's a record of your complaint. Phone calls are'nt unless you record them.
Hope you get a result.
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★☆☆☆☆
“Xmas time”
Written on: 20/12/2012
Well its been a very long week, I transferred £7.800 from my Halifax account on Tuesday 18th to my cash plus account. my mistake because I didn’t realize I could only transfer £5000 on to my card. Anyway cash plus told me that they would send it to head office for approval? Phoned Wednesday morning and was told it would be in for lunch time that day? (Nothing that day). Phoned Thursday morning and was told it was approved at 08:50 and my money would be in lunch time today? (Nothing at... (read more)
★★★★★
“Prepaid MasterCard that boosts your credit rating!...”
Written on: 01/12/2012 by arthur2506 (3 reviews written)
This card is brilliant! Firstly you can apply for the whole thing online within minutes and you can even pay for the card via text. It arrives within days and you can get the pin number and activation all sorted over the phone. The most amazing thing about this card is the credit booster option... they simply pretend that all the monthly payments of £4.95 are a loan and they report it to the credit defence agencies and it appears on your credit report. As long as you don't miss a payment... (read more)
★☆☆☆☆
“RIP OFF(steer clear)”
Written on: 20/11/2012
Been with cashplus for about a year, worked almost as it should despite a few minor delays. Now im paying my wages into it and its over a week late. When you try to phone up your kept on the phone for an hour costing about six pounds sterling. After this im told theyl refer my case onto head office and couldnt give a time line for it getting sorted. Im pressuming also that when they finally do find my money itl take another 5 days to load. Not worth it, big rip off, there delaying... (read more)
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Showing 11 - 20 of 75 Reviews
★☆☆☆☆
“Frustrating, expensive and useless”
Written on: 10/11/2012
Before purchasing the card i read through the literature and made sure the card and type of account i was signing up for was suitable for what i wanted it for. I chose the Total account and confirmed with customer services C/S that i,d be able to pay in a set amount each month and set up a single direct debit. I was assured i,d be able to do this and i agreed on the monthly charge. To set up the card i showed my passport and utility bill and once card was activated (took numerous expensive... (read more)
Naja08's Comment
Written on: 10/02/2013
well i must be one of the very few that is happy with cashplus, i have a very bad credit rating, i started my own company up and got a cashplus business account, moved my account from express to total access, only after 3 weeks they gave me £250 overdraft on my account, yes they do have flaws but ask yourself, why did you take a cashplus account??? was it because the high street banks were throwing their money and you just didnt want it... no i dont think so, its because yoour paddling the same boat as me. fact is i transferd money from my rip of high street bank using the faster payment system (upto 2 hour transfere) on a sat afternoon and its now sunday and it still hasnt gone why? cause i was stupid enough not to read the small print. so what should i do blame cashplus for my mistake. my advice is to read all he print inc the small print then if your happy enough then apply and you will be fine as long as you follow the system. i think im getting a better deal with this company than i am with my own uk high black horse branded bank who charge me silly money for being as much as 78p short of a direct debit and then bounce it because of it, so let me wheigh it up for you. a company who dosent know me but after only 3 weeks give me an overdraft of a company that ive been with for over 11 years who wouldnt trust me enough to give me a 78p overdraft.. its a hard one folks
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★☆☆☆☆
“Loan Sharks.”
Written on: 24/10/2012
I have topped up £30 today, yet every time I try to use it it is declined. I had a message on my phone to say the amount had been loaded. Ringing customer services is a rip off, they say 10p per minute via land line. It is just a load of answer phone messages that keep you on until your call cost is over £5 with no customer service adviser. I will never top up again. Avoid this rip off and certainly do not have your wages paid in or benefits. I am reporting them to the Banking ombudsmen. (read more)
Thehelper's Comment
Written on: 07/11/2012
hi i had same problem first hun you need to activate (get your pin) thats all phone num on back of card lol type in the commands, i activated via post office when brought so thought it was usable it werent i had to recover pin to use its good you can use for debits,
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★★★★★
“Best PrePaid card company around”
Written on: 24/10/2012 by southwarklad (1 review written)
I have been with my cash plus for nearly one year and have my salary paid onto my card. I don't mind paying the £4.95 per month because I get an overdraft with them as well and don't get charged if I miss payments etc. I was previously with Barclays for 6 years and never once was offered an overdraft, I was with my cash plus 3 months and was given an overdraft. Keep up the good work my cash plus :) Ignore all the negative comments on here as they aren't true. Read the terms and conditions.... (read more)
Littlemerlot's Response to southwarklad's Review
Written on: 10/11/2012
I,m confused perhaps you can explain. You state that the FSA won't get involved because Cashplus aren't regulated by them. I have looked at the literature and it states the following
' *Cashplus is issued by APS Financial Ltd (AFL) pursuant to license by MasterCard International Incorporated. APS Financial Limited is authorised by the Financial Services Authority under the Electronic Money Regulations 2011 for the issuing of electronic money. Cards are serviced by Advanced Payment Solutions Ltd ("APS") which operates the card on behalf of AFL. AFL & APS registered address is 6th Floor, One London Wall, London EC2Y 5EB. Registered numbers 06029941 & 04947027. Cashplus is a registered trademark of APS. MasterCard is a registered trademark of MasterCard International Incorporated.
So legally how does that work if Cashplus is a trademark of a FSA regulated company? You have asserted that FSA won't 'get involved' could you explain a bit more since you claim to know? Thanks
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Adeyjo's Response to southwarklad's Review
Written on: 09/02/2013
I would suggest you read your statement which states 'Your pre-paid mastercard is issued by APS Financial Ltd (*AFL*) pursuant to licence by MasterCard Internatiopnal Incorporated. AFL is authorised and regulated by the Financial Services Authority'. As a financial institute Card Plus must be regulated with the FSA
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Hucker_123's Response to southwarklad's Review
Written on: 27/02/2013
Hi I'm new to this just orderd one! Can I have my wages put into this account? I don't really know how this works? Could you help me please? Thanks
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★☆☆☆☆
“ROBBERS”
Written on: 23/08/2012 by BINDIDDLED (2 reviews written)
This is a licence for them to print money- they charge £4.95 each time. i got one for my grand daughter to put pocket money on - they diDNTt tell me until after they made me pay that she couldnt have a card although it says on the internet she could and then when i put her pocket money on they took antoher £4.95. altogehter they have taken neaRLy fifteen pounds and i havent done a thing...ROBBERS I HATE YOU (read more)
Foofan73's Response to BINDIDDLED's Review
Written on: 01/09/2012
It clearly says on the website about the monthly fee. Don't blame them when it's YOU who didn't read it fully
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Bindiddled's Response to BINDIDDLED's Review
Written on: 03/09/2012
...and YOU think it fair do you pratt that a card mearly taken out to give a child birthday and xmas money shouLd be charged £4.95 A MONTH! WELL YOU MUST WORK FOR THEM!! ANOTHER ROBBER
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Hygienepaper's Response to BINDIDDLED's Review
Written on: 04/09/2012
Absolute rubbish. Not interested in any complaints. You transfer money to someone else as an immediate payment and the other person doesnt get it for about 6 days. You phone them ON A PREMIUM RATE NUMBER (10p per minute) operators are busy after about 5 times you get through and speak to someone who does not have a clue. They say they will have to contact head office and put you on hold. Costing 10p per minute.
You are getting charged for trying to sort of a problem which is caused by them!!!!!!!! They come back on after about 5 mins, and say the payment will be sorted out today. No explantgion where the money has been for the last few days.
You ask to speak to a manager. They are not interested. Do the Directors have a clue of what is going on in the company??????????
FSA need to get involved and sort it or close them down. They are like all the other banks. A BIg Con. Using peoples money witrhout permission and then blaming system errors. How many system errors can a company have. I have spoke to at least 10 other people and they have the same problem.
I have had a reply back from watchdog, and they are very intrested . No reply back from FSA yet.
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★☆☆☆☆
“cashplus -- FRAUD BY MISS REPRESENTATION”
Written on: 31/07/2012
i bought cashplus card over the internet from official website , its clearly stated in there T$C that u can have 2 types of account EXPRESS or TOTAL .i picked EXPRESS cos i dont have a passport or any ID right now ..so long story short .i took it to the post office to top it UP with 10 pounds , 2 days later money went in to that account , but when i tried to use it online it was DICLAIN .so i phoned customer service for an explanation and they told me that my ... (read more)
Kashan's Comment
Written on: 28/09/2012
absolutley right all fraud the took my mony and no srvice from them
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★★★★★
“Fantastic Service!! Very happy customer of Cashplus..”
Written on: 14/07/2012 by biff007 (1 review written)
I got my card back in 2007 just to use for online purchases. From day one I have been very happy with their service. I now use it as my main bank. Over time they have added more and more features which are all very usefull. I much prefer using Cashplus over my rubbish high street bank account which now lies dormant. Recently they began the Direct Debit service. We all run short from time to time and when D.Debits used to bounce in my high street bank they would charge me a ridiculas penalty... (read more)
Streetzy's Response to biff007's Review
Written on: 17/07/2012
cashplus are teething they steal your money use it to gather intrest in there accounts and when they dont pay you on the day they say they will you ring them up! that's about another fiver down the pan! then when you do get through your speaking to someone whos sittin in a shed somewhere in gibraltar! and they can probly just barley work out there a human let alone speak english!.. anyways after you get past that step! they tell you the money that they have took from your account in which they wasn't suppose to in the first place will be back in the account by 6pm!! why do they say 6 pm??? cus thats when the lines close!.. just my prediction of what will happen tonite!.. yours truly J.Sleem
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Streetzy's Response to biff007's Review
Written on: 17/07/2012
lool see they have to check your comment first because they dont want negative feedback even if its the truth
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★★★★☆
“about how long bacs take to clear”
Written on: 06/07/2012 by sma123 (1 review written)
Hi can someone help please,im new to cashplus,i have given my employer,my sort code and account number,my money goes in thursday, with the natwest i used to get my money saturday,will it be the same update with cashplus? please advize thanks (read more)
★☆☆☆☆
“PRE PAID GOLD MASTERCARD BIG CON!!! BEWARE”
Written on: 05/07/2012
I was looking into rebuilding my credit so took a look a the pre pay mastercard site. I noticed a few sites linking to it which raised alarm bells for me. Anyway, during the sign up process i decided to take a look at reviews online (in another window). Having read what i did, all negative, i went back to the cashplus website and deleted my details clicking on the back button. To my horror your details come back, without clicking submit, i agree or anything, your details are stored. I so... (read more)
Guest's Comment
Written on: 11/07/2012
how can i have a master card/visa on line
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Biff007's Comment
Written on: 14/07/2012
You silly person, do you not read t&c's? I've used this card for years and the service i receive is fantastic.
The 4.95 a month is very fare, what do you think you get it for nothing????
There is nothing dodgey about this company...ingnore this foolish review...
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Littlemerlot's Comment
Written on: 10/11/2012
I think you mean fair? Fare is what you pay on public transport. You have also made errors with ignore and dodgy. If you're going to state that a review is 'foolish' then i suggest you ensure your own comments are correct first. If you think the service is fantastic then it is your right to express that view. Others, myself included have not had a fantastic service hence why we have written about it here. Writing comments that are rude and littered with mistakes makes you look foolish.
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Biff007's Comment
Written on: 12/11/2012
Thanks for pointing out my spelling mistakes. English NOT being my first language, I am prone to misspelling words.
However, this does not make my comments incorrect as you put it and belittling someone for spelling errors is foolish on its own.
I'm sorry you found my comments rude but not reading T&Cs is rather silly...
And yes, the Cashplus service IS fantastic. I think those not getting what they expected don't really understand the whole concept of the facility. My advice to them, go elsewhere and stop groaning!!
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Biff007's Comment
Written on: 14/07/2012
Errrm, it is not a con. I've been using the service happily since 2007. Also, why are you reviewing a product that you have not used???
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Atulwassen's Comment
Written on: 08/08/2012
@biff007 lots of comments from you ..methinks you work for cash plus your comments are most off putting and rude not a help to cash plus , dont you think you are the one who is silly
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Biff007's Comment
Written on: 12/11/2012
Oh yeah.... I'm a Cashplus employee. Methinks that's very silly!!
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Avalex's Comment
Written on: 05/09/2012
I'm about to sign up for one of these cards and I have to say that those individuals who come up with utter rubbish along the lines of "do you want something for nothing", it is for people exactly like yourselves that we all find ourselves trapped in the hands of the current blood-sucking financial system.
IT IS NOT SOMETHING FOR NOTHING.
YOU put YOUR HARD EARNED MONEY into a company's account, which enables the company to pool together the finances of MANY individuals to make one massive pile of money, for the COMPANY to invest in their interested fields and reap the rewards. In return, you're given a paltry rate of interest (in most cases). Nowadays, by charging you to use their bank, you're being ripped off but some of you idiots are too thick to even realise that and swallow everything the "financial experts" tell you through the box.
Yes the charges seem quite high but I'm a little confused too as on their site I was not able to select what type of card I exactly wanted. And now I have TWO letters of approval (without providing any ID details yet). One asks me to pay 4.95, the other 9.95. I want the full service (bank account, credit builder, etc.) so I shall see how it goes for now.
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★☆☆☆☆
“Cash minus card”
Written on: 02/07/2012 by Pistoff
Was referred to me by a friend, I set it up as a business account. Didn't top it up for a few weeks, went to a pay point and it didn't work, I found out later that it's best to top it up at a post office. No problems topping it up at the post office, I felt great that I was actually on business, so ok put my staff wages on for the week. About 3 weeks ago, up too today, I can't get the money off the card from an atm. Now I find myself asking people to let me buy stuff for them online, to... (read more)
Biff007's Response to Pistoff's Review
Written on: 14/07/2012
This reviewer has abvoiusly not set up his card correctly, or he does not know how he/she should use it.
* My wages are in on the day it is processed.
* You can transfer money to it in several different ways...all work perfectly well, some quicker than others.
* You can %100 use this with paypal as I have been doing so since day one.
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★☆☆☆☆
“The card charges you a monthly fee of 5 pounds plus to...”
Written on: 30/06/2012
The card is simply just a rip. To call customer services you have to pay for a premium call charge, there is no facility where if your cash is lost abroad they can send an replacement funds which other card offers such as thompson and ryanair card. The card is full of hidden charges and the customer services is appalling. There is no live online support what so ever. Its an account with constant charges. They charge you a pound to withdrawl cash. (read more)
Dar75Uk's Comment
Written on: 10/07/2012
I can second this persons advice on this so called card,a £5 a month charge and everytime you use any hole in the wall it's a £2 straight off charge(any cash point) this company must be laughing it's head off "such fools".Best one yet they offered me a loan before i got paid seemed great,hardly no interest at all you do is pick the day you pay them back np's :-) nah no such luck i picked a friday as am paid early on friday np's huh,no.They charged the card on that friday at 2 00 am and i did tell the lovely customer service ppl (that are ALL! foreign with hardly any grasp of the english lang at all i must have had to re-peat myself 15x made for a lovely phone bill)my money comes in about 9 00am np's they said big mistake.As for i asked for a loan again weeks later and they told me i failed the last payment and it was near equal to fraud,but they did tell me wait for their computer to reset things will be ok.So i asked 1 year later for another loan only to be told i was blacklisted from ever getting a loan.I asked to speak to her boss the asain lady told me she has no boss LOL she is the only person i can only speak too can you believe this after all the cash i have gave this company.Use a loan shark less hassle negitive 1000 out of 10 and oh yes they will change your payment date at anytime without worning and mess up all your direct dept's like they did 3x to me.
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Marieisme's Comment
Written on: 04/04/2013
Just a thought in reply to all these negative reviews. Do you think Mastercard and Co-operative Bank would associate with this Company if they were fraudulent???
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Raisone's Comment
Written on: 08/05/2013
Well said xD
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See next 10 reviews
Showing 21 - 30 of 75 Reviews
★★☆☆☆
“Keep a close watch when you transfer money from this card”
Written on: 08/06/2012
We've had this pre-paid card for quite a few years now and it is OK for using as a credit card to pay for items over the internet. We've seen a lot of changes and many new services added by mycashplus. Recently we noticed that you can transfer money from the mycashplus website directly from your account and pay an individual or a company. Useful, we thought, so set this up. We transferred £80 from our pre-paid account to our own Business account on the 24th May 2012 and today, 8th... (read more)
★☆☆☆☆
“READ TERMS & CONDITIONS BEFORE ACCEPTING!”
Written on: 05/06/2012
I got to their website through a referral website that said this card helps tp re-build credit rating so decided to go for it by paying what i believe was *one off* payment of £5.00. When I called to customer service to ask when would they be sending update to the credit reference agencies they replied: **after 3months** Also, they will charge me £4.99 per months to what i believed was a £4.99 one off payment now is a paid monthly service. Basically they lend you £50 that you never see... (read more)
★★☆☆☆
“Terrible Service”
Written on: 04/06/2012
Paid the £30 for one of these about a year ago, but never topped it up with any money. Constantly got emails proclaiming how free and easy the top-up process was, and I decided to put £50 on the card. I check online on their own website for a place to top up for free. I travelled along, and there was a £3 charge. Nasty stuff. I got home, checked the receipt and it said my money should be ready in 15 mins! Oh nice, so the £3 I can probably let slip right? After 30 mins nothing on the... (read more)
★★☆☆☆
“useless when travelling”
Written on: 02/06/2012 by exbrit
The cashplus card is useless when overseas and the customer service is lacking inasmuch as you can only contact them via phone. I have tried that and just got background noised. There is no email or online chat for customers to use. Their top up inquiry does not work. The customer info address cannot be changed or any foreign details entered. Not that I ever want an advance but their rates are criminal. Maybe you should incorporate customer comments on your site...Sheldon Archer (read more)
★★★★☆
“ Easy ways to help family abroad.”
Written on: 28/04/2012
A WONDERFUL CARD AND BETTER WAYS TO HELP FAMILY ABROAD. I have this card for over two years and never get a problem as everything is clear and in case of doubt easy to get hold of their customer service who are friendly and happy to help. Easy way to assist family member abroad without any coast just the matter of you knowing which types of card to use in order to escape charges, whether to use your euro, dollars or pound card. Very helpful and easy to manage online, transfer, payment,... (read more)
★★★★★
“Excellent card and fantastic additional benefits”
Written on: 21/04/2012 by tomdorrian (1 review written)
I am glad I don't bank with any of the high street banks. APS financial/mycashplus are great. I have a Gold Card with them and pay £4.95 per month and get my credit score repaired and up to £400 loan when and if I need it. Never got this with barclays over the 21 years I banked with them and mycashplus customer services are polite and never rude and i don't get charged for accidently going overdrawn. Ignore the moaners on here. Try mycashplus out they are excellent. All my friends have... (read more)
★★★☆☆
“Good, but too much spam”
Written on: 18/04/2012 by asha23 (3 reviews written)
This is a good service, I'm giving it only 3 stars because they keep spamming me with offers I have opted out of receiving. They still send me spam mail even after I have unsubscribed. Whilst not a game-changer. They should respect your privacy and not spam you mails when you opt out. Naughty. (read more)
★☆☆☆☆
“password won.t let u in”
Written on: 13/04/2012
everytime i try and enter my acount entry refused rang up twice 20mins on phone each time advice given was rubbish ie try again ring back its googles fault you cannot contact by email waste of money for card (read more)
★☆☆☆☆
“A Card that is loaded with £2500 that has an IT Problem”
Written on: 11/04/2012 by Cashplusmisery1
I am beginning to wonder about the financial security of this firm. I have been using this card for a few months with only one or two minor problems. Friday, bank holiday Friday, it mysteriously stopped working. I contacted straight after Easter and complained. Later that day I was told that my card had a technical problem which there IT dept will look into? Well it is now Wednesday night and guess what, the card still does not work and what makes matters worse is that my bookmaker has... (read more)
★★★★★
“Excellent modern alternative”
Written on: 02/04/2012 by _AJ_ (2 reviews written)
I applied for this card so I could use it online and minimize my exposure to potential fraud - since only the amount of credit I loaded onto the card could ever be taken. I have used my Cashplus Gold Mastercard for over two years now. I can't really fault it. It's a shame people have left negative reviews as they are clearly the ones lacking, not the card itself. It is NOT a rip off or scam. All the terms and conditions clearly state the services available and the charges. I would imagine... (read more)
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Showing 31 - 40 of 75 Reviews
★★★★★
“Ignore the Haters, this is the best pre paid card around”
Written on: 21/03/2012
I love the CashPlus Mastercard so much, and heres why. I cant help but laugh at so many of the reviews here. If you read the terms and conditions and run your card right, this really is one of the best offers out there. If however you are stupid and dont read things or do things correctly, then you expect all the headaches that you end up with! Firstly, to avoid the high call centre charges, try googling the london landline number, its listed as the number they offer when calling from... (read more)
★☆☆☆☆
“rip off”
Written on: 31/01/2012 by sandrataggart7574 (1 review written)
i went bankrupt over a year ago so had to rusult to getting this card i hate it they rip you off when ever they here how 1, you get charged for withdrawels everytime you use card which really munches at your wages 2, you pay 3.50 for each withdrawal abraod 3, you get charged loads if you charge anything to your card abaord 5, if you dont load it with 1000 per month you get charge a amount everymonth 6, it costs a bomb to ring them and they will not ring you back if you run out of credit a... (read more)
Guest's Response to sandrataggart7574's Review
Written on: 21/03/2012
This is simply not true.
If you dont like being charged for the call, why not simply google the london landline number instead? Its local rate so very cheap
If you are withdrawing money abroad then why not just apply for their free add on card the euro card or us dollar card? its free and arrives within 3 days
You only get charged for the card to open the account. yes you have a monthly fee but nothing is free in this life, and i doubt any other bank wouldnt charge you in one way or another.
yes the £2 per withdrawal is a pain, so i tend to withdraw a chunk at a time to make it minimal cost or transfer it for free to someone who can withdraw it for free for me.
as for money the same day - thats nonsense too. if they put in money before 9am you will have it before midday. if they put in money before 3pm then you will have it by 7pm the same day.
It seems to me that you arent grown up enough to be running a bank account. have you tried a piggy bank?
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Generalwaste's Response to sandrataggart7574's Review
Written on: 05/05/2012
I too am a grown up with financial problems that had to resort to CashPlus services because of greedy high-street banks. And I can say the above complainer is absolutely right, they chip in as much as they can everytime they can.
Why does their costumer service line have to charge over a pound per minute on calls from mobile?? They also have such an automated system that doesnt let you type in your imput before you listened to their signal, meaning they force you to stay as much as possible on the line. I dont have a land line but I found out calling them from street pay-phone booths is much cheaper, something like 1.20£ per average call.
If I get paid in with bank transfer I have to wait a few working hours of a working day for the money to show up on my online statement. Meaning if I get paid late after work on friday I only see the money mid-day monday. If I load in cash it is available instantly.
And now the bomb. My card got cancelled for not using it for a couple of months, So I called them on their over-charging line and they told me they need to cancel my card and send me a new one, because that is the procedure. Then costumer services person gave herself up by saying 'oh, it doesnt allow me to do that', but she still done it after finding a way around so I can get charged 10£ for having the service of getting my card changed.
So yes, if you are desperate enough you will get ripped off, but I guess everyone else does it so not a problem. Bow your head and carry on.
Otherwise I am quite happy with the servies, they stopped charging my monthly fee for some reason, I never withraw cash so I never lose even a penny.
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★☆☆☆☆
“Couldn't even get a PIN ”
Written on: 12/01/2012 by JIField
With this card you have to phone a number to retrieve you pin. I tried time after time and it kept saying that it was unable to process my PIN at this time. I spoke to two Indian people who tried to make out that it was because I wasn't keying the number in quick enough.....I work with keyboards all day and I can touch type! I closed my account and they said they would refund my money.....lets see if that happens.... (read more)
★★★★★
“Best card to raise your credit score EVER!”
Written on: 07/01/2012 by londonboy21 (4 reviews written)
Found out about this card back in 2009, applied straight away. 3 months later I recieved an email to state my £5 payments each month were being reported to credit agencys. I would adivse you top the card up with £60 then cut the card up. Then it just sits and does its work. After 12 months the account finished, I checked my credit score and it had rose from 450 to 524. It appeared as a loan that was fully paid with no missed payments. After the 12 months you get the chance to start the... (read more)
Eveberry's Response to londonboy21's Review
Written on: 09/01/2012
Hi,
I’m thinking about getting this card offer I saw in compareprepaid.co.uk. It is an exclusive offer from the web but I’d like to ask for some feedback first: Have you tried it? Is it as good as it sounds? Is it similar to Prepaid MasterCard?
Orange prepaid card is offering cash conscious consumers when they apply for an Orange Cash card a refund on their £5 application fee when they load £20 onto their account by February 29th, 2012.
Let me know please, cheers!
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★☆☆☆☆
“Rip off, £5 monthly fee and £2 transaction charges”
Written on: 10/11/2011 by paulcoch30
I bought this card to take on holiday, was told there was no standing fee and that there were no charges for using the card abroad. There is a £5 monthly fee and high transaction charges. The exchange rates appplied weren't all that great either. Do yourself a favour and get a fairfx card instead. (read more)
★☆☆☆☆
“Very disapointing - I applied for the creditbuilder...”
Written on: 23/05/2011
Very disapointing - I applied for the creditbuilder feature which is supposed to help you rebuild your credit by paying them 5 pounds a month. They are supposed to report your payments which will improve your credit rating. However, when I ordered my credit report I found none of my payments had been reported. I wrote to their customer service department but received no reply. Basically I have been paying these people for nothing. The basic card is fine but in my experience creditbuilder is... (read more)
Guest's Comment
Written on: 26/08/2011
It's only if you keep up the regular repayments for the full amount over the 12 months - that's all explained in the creditbuilder terms and conditions. Payments over a short month-to-month period wouldn't improve your credit rating in any instance, payments are only rated on a continuous longer term basis. The idea is to show you have a regular income over time and can reliably make consistent payments in the long run.
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★★★★★
“CashPlus is a great card overall, as long as you read...”
Written on: 03/02/2011
CashPlus is a great card overall, as long as you read the small print, which is all contained within the terms & conditions which you have to accept!
I use my CashPlus gold card for online transactions where the security may be a bit dubious, instead of using my bank issued Visa Debit card. I have also used it at ATMs, both UK and abroad and in shops, restaurants, etc. I have also been able to use it for car hire, which was really helpful as I just loaded it with enough to cover that...
(read more)
★★★★★
“I have had this card for about 4 years now, i can say...”
Written on: 28/01/2011 by Account1
I have had this card for about 4 years now, i can say it is a very good card to have you can now load money onto the card from your bank and it is there the same day.
I have had no probs with this card at all.
(read more)
Atulwassen's Response to Account1's Review
Written on: 08/08/2012
hi biff yes we know you had this since 2007
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★★★★★
“I use the card to shop online - its got cashback...”
Written on: 07/12/2010
I use the card to shop online - its got cashback linked to it and has purchase protection. I load the money from my bank account and its there the next day. I then buy the stuff I want and the money is spent, so no dodgy site can charge me twice or anything like that (I think of it like a spam email address, its the card I use because I don't trust the internet security). No problems so far, just a £1 fee for the sense of security. (read more)
★★★★★
“I have been using this card for about six months now,...”
Written on: 25/11/2010
I have been using this card for about six months now, and using it instead of a bank account, i get my wages paid into it everymonth, i can pay all my bills either by using it as a credit card or by transfers through the online members area, yes i pay just less than £10 a month as a standard fee, but with that i dont have to pay to make cash withdrawals, i get their credit builder which improves my credit rating and i also get cash back on all purchases which more or less covers my monthly... (read more)
Slgsue's Comment
Written on: 13/04/2012
I have just received my card and am thinking about having my wages paid in, my only worry is that it wont go in the same day as it should. How do you find this? Do you get paid the same time as your other colleagues?
Thanks
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Dylcal's Response to blackwizard03's Review
Written on: 17/05/2013
i agree 100% with this review + on the phone line we havn't a clue where we are in the Que there should be a msg coming on every 30sec or so telling you where you are in the Que plus cost a fortune from mobile and pay phone . I'm taking my money elsewhere .