Cashplus Reviews - www.mycashplus.co.uk

★★☆☆☆
2.2 / 5
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33% of users recommend this
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Latest Reviews

★★★★★

“fantastic card”

Written on: 01/09/2015 by Johanv426 (1 review written)

Great card,easy to use topped up instantly at post office even on a Saturday,got this for just shopping online but am using it more and more,easy to check balance and statements been accepted everywhere I have used it… Read Full Review

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★★★★★

“5 years no problems”

Written on: 25/08/2015 by nacjf1 (1 review written)

I originally took out this card for holiday/traveling use but have found them so good and reliable I use it as a Main Stream account now, I have used iAdvance and had no problems, I have recommended this card to a few people who are using it still, I have dealt with customer services, again no problems the same with DD's all good even texts if there isn't enough to cover to give you chance to top up. Overall I would say if you read the T&C's you should have no problems… Read Full Review

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★★☆☆☆

“5 (five) registration attempts, payments still don't work”

Written on: 24/08/2015 by tomazstih (1 review written)

I opened a business account with CashPlus because it offered quick approval. As a contractor who travels the world (and hence hasn't got 5 years credit history in the UK) I had no time to waste on main street banks. In three weeks I was approved and the CreditCard arrived. I issued invoices to my clients and received several thousand pounds to my business account. Only to find out that I can't get my money out of my business account. I had to register for Payment services and the… Read Full Review

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★☆☆☆☆

“Waste of Time”

Written on: 24/08/2015 by Hogan452 (1 review written)

Got a letter telling me I had already been accepted for a card. Applied and accepted almost before I pressed submit!! Card arrived which I activated at a ridiculous amount per minute on my phone... The pin came but I didn't open it for a while.. Then got a text saying if you don't use the card by the card will be cancelled... I still don't know what date it needs to be used by!! I have just got the pin out , pulled off tab as instructed and put against a white background the pin will be… Read Full Review

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★★★★★

“Cashplus Business Card's are Brilliant ”

Written on: 21/08/2015 by O'Neill219 (1 review written)

Had cash plus for a year now and after reading the reviews was a bit scared taking a card out.. Well a year on still brilliant not one problem is e also moved all my DD over and use it for everyday banking.. Free Cash Withdrwas at Post Office ATM what more could you want Money goes in one and is credited within 1hr weekends don't get credited until Monday unless you bank at post office and goes strait in without a problem… Read Full Review

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★★☆☆☆

“3 Months with cashplus paying for credit builder :(”

Written on: 16/08/2015 by EllianaMiranda498 (1 review written)

Purchased my CashPlus prepaid mastercard 3 months ago i signed up for there credit builder service where i pay so much every month and they class it as a 12 month loan and report it to the 3 credit agencys. This Company have taken 3 payments now and still have not reported this on my credit reports and im a little unhappy about it as its the only reason i took out this card and it means im paying every month for nothing… Read Full Review

Replyingtoreviews's Comment

Written on: 22/08/2015

they report after 3 months

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★☆☆☆☆

“no stars”

Written on: 11/08/2015 by SaraMarsh (1 review written)

Worst company i have ever had to deal with. Over 40 days and still no account Have provided all documents requested and refused Never receive a call back when requested and when ask where my call back is they begin another 48 hour call cycle. Now refusing to refund my £75 set up fee. With post office costs and phone cost I have incurred another £25 The most arrogant, clueless business I have ever had the misfortune to deal with My loss of money is simple theft… Read Full Review

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★★★★★

“Great card!”

Written on: 01/08/2015 by Poppycat10 (1 review written)

I have had my card for nearly 4years now and have had no problems. I get my main business payments through this account and can easily manage funds from there. I can transfer instantly online to pay bills/ set up d/d,s or use in any store as a normal card. I can prebook and reserve hotels etc. and use abroad with ease. I,ve added another user to this account also and the card arrived prompt only cost me £4.95 and works just as well as mine. Fantastic and simple. I can track my payments online… Read Full Review

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★☆☆☆☆

“Worst credit card company I've used”

Written on: 28/07/2015 by 431McDaniel (1 review written)

I received my first statement and on it there was a late charge of £12 as they say I missed a payment which I didn't. I have contacted customer services and raised this and await the outcome. I have now started getting text messages saying I owe them £13.27 ourstanding which I don't. They are now threatening me with it will affect your credit history which was 100% before this company. I have 2 Capital One cards an Aqua card and Barclaycard and they run smoothly but when I clear this Cashplus… Read Full Review

Paul251071's Comment

Written on: 28/07/2015

If Cashplus do sort this mess out quick smart then I will amend my initial review.

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Paul251071's Comment

Written on: 28/07/2015

Just had a call regarding my issue and it has now been resolved, once home I will reevaluate my review.

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★☆☆☆☆

“Rubbish”

Written on: 27/07/2015 by Darrenrichards1234 (1 review written)

Applied for a card 12 days ago as it was faster than waiting for the bank but they asked me to send I'd which I did 8 days ago, still waiting so I put credit on my phone to ring customer services I then spent 12 min in a que which ate up all my calling credit 41p per min. My advice is if it's this bad to start with it ain't going to get any better… Read Full Review

By Cashplus

Written on: 26/08/2015

Dear Cashplus Customer,

I’m sorry that we haven’t been able to open an account for you at this stage. Without specific details I can’t give you any more information on what’s caused the delay, but I can assure you that we work very hard to open as many accounts as possible, as soon as we can.

To help you keep up to date on the status of your application, if you visit our personal website, and navigate to the ‘Get a Card’ Help page you’ll be able to find our application status tracker tool. It’s under the heading ‘Getting your card’ - just look for the FAQ on ‘How can I check the progress of my prepaid card application?’

And, we’ll always notify of the outcome of your application once your documents have been processed.

Kind Regards,
Jayne
Cashplus

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★★★★★

“It does what it says on the Tin”

Written on: 24/07/2015 by Arsenaultxm257 (1 review written)

I took out a Cashplus business account recently as after years of working under a umbrella company I finally decided to go Ltd Having a poor credit history I could either wait two months (that's how long they take to process your application) to be turned down from a mainstream bank or try here. I had some concerns about the poor reviews but many are around people not reading the terms and conditions. I open the account, I was accepted straight away got a card via post and my first payment… Read Full Review

By Cashplus

Written on: 26/08/2015

Dear Cashplus Customer,

Thanks for leaving us your review and feedback - It’s great to hear that we were able to help you get started in business.

Don’t hesitate to get in touch if there’s anything we can help with.

Kind Regards,

Jayne
Cashplus

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★★★☆☆

“NOT HAPPY”

Written on: 23/07/2015 by 963pjh (1 review written)

I have both a personal and business account been happy with both till recently then I had 2 payments of £8000 transferred form a customers account to my business account for a vehicle I was told via text message that I had exceeded my account limit and would need to upgrade my account I supplied all the information I was requested that was two weeks ago customer service staff very sympathetic and helpful I was told that I would need to send a copy of the v5 registration document as additional… Read Full Review

By Cashplus

Written on: 26/08/2015

Dear Cashplus Customer,

I’m sorry to hear about your situation. I can understand that this is huge amount of money to be left without access to. I can’t tell you exactly what’s happened in your case, but to provide some clarity on our processes - as a regulated company we’re required to place limits on your accounts, and when these are exceeded we need to be able to verify a number of details before the funds can be released and unfortunately this can take some time.

I apologise for the inconvenience this has caused, but I can assure that we do work hard to resolve these situations, and getting our customers money into their accounts as fast as possible is one of our top priorities.

I’ll contact you directly to follow up your concerns.

Kind Regards,
Jayne
Cashplus

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By Cashplus

Written on: 26/08/2015

Dear Cashplus Customer,

I’m sorry to hear about your situation. I can understand that this is huge amount of money to be left without access to. I can’t tell you exactly what’s happened in your case, but to provide some clarity on our processes - as a regulated company we’re required to place limits on your accounts, and when these are exceeded we need to be able to verify a number of details before the funds can be released and unfortunately this can take some time.

I apologise for the inconvenience this has caused, but I can assure that we do work hard to resolve these situations, and getting our customers money into their accounts as fast as possible is one of our top priorities.

I’ll contact you directly to follow up your concerns.

Kind Regards,
Jayne
Cashplus

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★☆☆☆☆

“Data phishing ”

Written on: 17/07/2015 by Hewittgi433 (1 review written)

Today I received a junk mail from cashless saying I was pre approved for a cashless credit card, normally I shred these immediately but my wife said go try it see what happens. I went onto their website, entered the required data, personal details etc along with a promotional code, pressed enter, immediately the reply came, normally on any application site it would take at least 30 seconds on, so my conclusion is they wanted me to take a cashless card which was offered to me. My recommendation… Read Full Review

By Cashplus

Written on: 24/07/2015

Hi there,

Firstly, I’d like to clarify that none of our practices involve data phishing.

The letters we send by post are a completely legitimate offer to apply for our Cashplus Credit Card. As we only send offers to customers that are likely to be approved for our card and assign them a code in advance, we’re able to ensure our application and decision process is simple and fast (subject to verification of identity).

If you have any further questions, don’t hesitate to get in touch with our Customer Services team.

Kind Regards,
Jayne
Cashplus

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Replyingtoreviews's Comment

Written on: 18/07/2015

If you didnt want it why enter in the information? Also of course they want you to have it if they've posted it to you

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★☆☆☆☆

“most unhelpful and evil bank ever”

Written on: 17/07/2015 by ajay1234567 (1 review written)

waiting for AGES to get a statement or get them to dispatch it....they are just plain evil and annoying. if u call and beg to dispatch a statement, they would just tell you that head-office send statements when they feel like it and depends on work load and they cant do anything about it..weeks to send a statement that cost 10 pound? why pay money to this organisation.. everything about cashplus sucks..irresponsible and care nothing about customers.. a...have you ever heard of it..? wont… Read Full Review

By Cashplus

Written on: 24/07/2015

Dear Cashplus Customer,

I’m sorry to hear you’re unhappy with our services. I can assure you that we work very hard to keep our customers at the centre of everything we do and we make every effort to ensure any fees and charges associated with our product are communicated upfront. Overcharging customers is never our intention.

It definitely sounds like there was some miscommunication regarding our statements, so I apologise for any incorrect information you were given on this. Allowing for postage times, a statement should always reach you in 7 to 10 working days, which is what should have been communicated to you. If you’re yet to receive your statement, please let me know and I’ll be happy to follow this up for you.

Kind Regards,
Jayne
Cashplus

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Paul251071's reply to Cashplus's Comment

Written on: 28/07/2015

Same issue I had accept I was charged a £12 late fee for not paying my previous statement which I never even received. I only received my first statement from Cashplus on Friday 24.07.15

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★☆☆☆☆

“PAYMENT REVIEW”

Written on: 10/07/2015 by MOBILECARPETS (1 review written)

I had a credit applied yesterday. I've been told that I need to wait for a review of the payment before it is applied. Can you please let me know why VAT payments are reviewed as this is now my fifth payment. This is not acceptable and holding funds without paying interest is not acceptable either. Why the review? How long does it take?… Read Full Review

By Cashplus

Written on: 26/08/2015

Dear Cashplus Customer,

Unfortunately, without knowing any account specific details, I can’t clarify why you’re payments are being reviewed. If you get in touch with our Customer Services team, they’ll be able to look into this for you.

Kind Regards,
Jayne
Cashplus

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★☆☆☆☆

“Cashplus Bad Customer Service”

Written on: 08/07/2015 by 1951Holden (1 review written)

Just went to pay my balance off on the creditcard limit was £100 and wanted to close account because you try to find ways to pay them. your charged if you ring at 10ppm and will be on hold for 10 minutes and more when you finally get through you go through a stupid amount of questions even asking me on how much i earn per month? told them i just rang to make a payment was asked why i didnt pay in june so i told them that could be because i only received the card in the last week of june. i`ve… Read Full Review

By Cashplus

Written on: 26/08/2015

Dear Cashplus Customer,

Firstly, if we’ve made a mistake and you’ve been charged in error, I apologise for any inconvenience and I’m happy to look into this for you. I’ll contact you directly so we can get this sorted out.

Secondly, I’m sorry to hear that you’ve been unhappy with our services. To clarify some of the concerns you’ve raised, our Customer Services team may sometimes ask questions to ensure they’re taking an individual’s circumstances into account, so we can ensure we’re lending responsibly. If this wasn’t clear from your call, we apologise for that and I’ll make sure this is passed onto the team, so we can improve servicing in the future.

And lastly, I apologise if there was a delay in receiving your card and I’ll make sure this is also passed on, so that we can look into this.

Kind Regards,
Jayne
Cashplus

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★★★★★

“Excellent but restricted service”

Written on: 07/07/2015 by Happycashpluscustomer (1 review written)

Back in February 2014 I was struggling to get a mobile phone contract, a decent bank account or a credit card. This was because I had no credit record. I saw this credit builder card online. I applied and was accepted in principal for the card, but I did have to visit a post office and have a passport and utility bill notarised to prove my identity. From there I posted my copy documents off and I was issued the card. It cost me £9.95 a month to have the credit builder option on the card. The… Read Full Review

By Cashplus

Written on: 26/08/2015

Dear Cashplus Customer,

Thanks for leaving us your review and feedback on our services. It’s great to see that you’ve found our Creditbuilder feature useful, and that we’ve been able to help build up your credit rating.

We’ll definitely take your feedback on board regarding using our card for spending. We do offer a number of different pricing plans, which we tailor to the different ways our cards are being used. For example, Deluxe pricing plan can offer excellent value for customers who are regularly withdrawing cash – it has no UK ATM fees.

Similarly, our Activeplus pricing plan offers the same option to add Creditbuilder, (at a lower monthly cost of £4.95) however this plan does charge for cash withdrawals. You can always view full details of all our plans on our website, in the products section.

Don’t hesitate to get in touch if there’s anything we can help with.

Kind Regards,
Jayne
Cashplus

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★☆☆☆☆

“NOT FOR ME”

Written on: 03/07/2015

online banking c.%.a*p TRY TO MAKE PAY ON LINE DON'NOT WORK!!!! ONE/S BILL IS PAY WILL NOT USE THIS AGAIN.. BLACK LIST FOR ME… Read Full Review

By Cashplus

Written on: 26/08/2015

Dear Cashplus Customer,

Sorry you haven’t been able to make a payment online. If you can provide some more information we may be able to help you to get your online payments made successfully. Are you trying to make a transfer out of your Cashplus Account or into it?

To rule out some possible reasons why you’ve been unable to make payments so far, it’s worth checking that:

- You have a Total Access account (you can find this information on your Members Area homepage)
- You’re registered for our Payments and Transfers service (you can also do this in the Members Area)

If you’ve checked both of these points, and you’re still not having any luck, please get in touch with our Customer Services team - they’ll be able to look into this for you.

Kind Regards,
Jayne
Cashplus

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★☆☆☆☆

“Card not turned up ”

Written on: 18/06/2015 by Falco1 (1 review written)

I applied for a cash plus card over a week ago I paid £10 as I payed by Mobil witch was fine with me 8 days later no card now cash plus claim that you will get your new card within 3-5 working days mine has been 8 days now hmmmmmm so I try calling but you are on hold for like ever I was on hold for a hour and a half that was not good enough for me so I hanged up as I was still on hold wot they do not realise I'm being charged £1.00 a min to call them my advice DO NOT USE ThIS SERVICE they… Read Full Review

By Cashplus

Written on: 27/07/2015

Dear Cashplus Customer,

I’m sorry to hear there’s been a delay in receiving your card. Without any specific details I can’t explain what caused the delay but I’ll pass your feedback on so we can look into this.
I’m hoping your card arrived soon after your review, but in case it hasn’t I’ll contact your directly so I can follow it up for you.

Kind Regards,
Jayne
Cashplus

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★★★★☆

“iadvance erratic, disappears.”

Written on: 08/06/2015 by JesusDrake423 (1 review written)

Great card overall but used the iadvance twice and paid early. Depended on option to use again if needed but not available to me now. Confused why and helpline unhelpful. I only borrow £50-£100 as short loan & paid very quickly. Is there a limit to times offered to customers? I would have saved until really needed… Read Full Review

By Cashplus

Written on: 14/07/2015

Dear Cashplus Customer,

It’s great to hear that overall you’re happy with your Cashplus card.
To your points on our iAdvance service, I’m sorry you’re confused that this is no longer available to you, and that you haven’t found our Customer Service team helpful in this instance.

We do our best to make our iAdvance service available to as many eligible customers as possible. And to do this, we need to look at a number of internal and external factors, some of which can change frequently, relating to your accounts and how they’re being used.

Because of how frequently circumstances can change, customers do fall in and out of eligibility. We’ll always notify you if you do become eligible again, but for your privacy, our Customer Services team don’t have access to any more information on when this will happen, or what factors are influencing it.

Don’t hesitate to get in touch if there’s anything we can help with.

Kind Regards
Jayne,
Cashplus

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Streakybacon252's Comment

Written on: 18/06/2015

There's no time limit. I used mine every month for ages until the amount offered had built up to 500. Always paid back ontime or early then it disappeared for a couple of months and appeared again. It's done this more than once, they say it's a decision based on numerous factors but they don't elaborate. Who knows. I think the account and their service is really good and if iadvance is there when I need it, it's a bonus. You just can't rely on it.

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Agnes177's Comment

Written on: 23/06/2015

i had an account for 2yrs with them i got overdraft sometimes direct debit and also iadvance always paid it back on time then someone closed my account by mistake had to oprn other one they did give me a good will for 50,00 but since i had ny new card from jan never once had anything no real

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Agnes177's Comment

Written on: 23/06/2015

forgot to say there custemer service is great and i do love my card apart from the one mishap i have had

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