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Join the Executive ClubLog in to On BusinessThe British Airways Prepaid Mastercard®
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Important information
Unfortunately, the British Airways Prepaid Mastercard isn’t available in your location. The good news is, there are still plenty of other ways you can collect Avios.
Say hello to a more rewarding world of Avios
The British Airways Prepaid Mastercard is ready for travel and to reward you as you explore the world. Wherever you fly off to, the British Airways Prepaid Mastercard will collect Avios for nearly every purchase you make. Plus, when you’re back home, you’ll keep collecting Avios too. Not only that, you can enjoy a bunch of other great perks too, including:
- A widely accepted card you can use around the world.
- No foreign exchange fees*.
- Collect 1 Avios for every £2, €2 or $2 you spend.
- Collect 1,500 bonus Avios when you spend £500, €500 or $500 in your first 90 days.
- No monthly fee for the first 6 months, then just £2.99 per month thereafter.
Getting the most out of your card
Avios Collection
There’s no waiting around with this travel companion. You’ll collect 1 Avios for every £2, €2 or $2 spent, ready to put towards your next adventure.
Welcome Bonus Avios
This is one travel companion that wants to keep rewarding you. Collect 1,500 bonus Avios when you spend £500, €500 or $500 in your first 90 days. That dream holiday just got a little closer.
Get Rewarded Anywhere
With no foreign exchange fees* and 3 x free monthly international cash withdrawals up to £300, this card is made for travelling.
*Terms and Conditions apply.
Apple Pay
Apple Pay is the safer and faster way to pay in stores and online with the Apple devices you use every day. Quickly check out with your Apple devices wherever you see one of these symbols.
Google Pay
Google Pay is the fast, simple way to pay online, in shops, in apps and more. Quickly check out with your smart phone or smart watch wherever you see one of these symbols.
The British Airways Prepaid Mastercard FAQs
Q: Who is eligible to apply for a British Airways Prepaid Mastercard?
A: To apply for a British Airways Prepaid Mastercard card you must meet the following conditions:
• be over 18 years of age
• be a UK resident
• be a member of the British Airways Executive Club. Join here.
• hold a valid debit card, which is registered against a UK bank account.
Q: How can I apply?
A: You must already have access to the British Airways Executive Club Rewards app or be able to access and download it from Apple Store or Google Play.
Q: My application is still being processed, why is this?
A: If we are unable to validate your identity during the application, it will need be reviewed manually. This can take up to 2 business days and once it has been reviewed you will receive an app notification.
Q: Can I apply for a secondary card?
A: You will be entitled to hold one British Airways Prepaid Mastercard only, no secondary cards can be issued.
Q: When will I receive my card?
A: You will receive your card within 10-12 business days from your application.
Q: How do I activate my card?
A: Once you have received your card you can activate it within your British Airways Executive Club Rewards app by following the activation journey.
Q: How can I top up my card?
A: You can top up your card at any time by following the top up journey within the British Airways Executive Club Rewards app using the debit card registered against your account. Limits apply, please check the Fees and Limits Schedule in your Terms and Conditions for further details.
Q: How do I exchange currencies?
A: You can exchange currencies between your currency e-wallets at any time by following the link: Exchange within the British Airways Executive Club Rewards app. Exchange rates apply and will be quoted to you for acceptance before you complete the exchange of currencies. You will need to have sufficient funds for a successful currency exchange to occur. You can top up by following the link: Top up within the British Airways Executive Club Rewards app at any time.
Q: What is a currency e-wallet?
A: A currency e-wallet refers to the currency of GBP, EUR or USD that your card has in its available balance. You can select to transfer from GBP through your currency e-wallet into either USD or EUR at the Applicable Exchange Rate. You will not be charged a fee for Transactions using the currency from the correct currency e-wallet.
If you do not have sufficient funds available in the relevant currency e-wallet for the currency of the transaction, the transaction amount may be taken from currency available in other currency e-wallets using an Applicable Exchange Rate, and subject to the fees laid out in the Fees and Limits Schedule of the Terms and Conditions.
Q: If I am charged any fees, when will they appear on my customer statement?
A: Any fees will appear immediately on your customer statement which can be viewed within the British Airways Executive Club Rewards app.
Q: How can I check my balance?
A: You can check your available balance through the British Airways Executive Club Rewards app, via ATM (subject to a £0.50 fee) or by calling the British Airways Prepaid Mastercard Customer Service on +44 (0)203 146 0748 and selecting option 2.
Q: Where can I use my card?
A: Your card can be used online and at physical points of sale everywhere that Mastercard is accepted in the UK and abroad.
Q: Will I get charged fees for using my card abroad?
A: There are no fees for using your card abroad when you have funds in the relevant currency e-wallet. Fees apply for transactions abroad when you don’t have funds within the relevant currency e-wallet, please check the Fees and Limits Schedule in your Terms and Conditions for further details.
Q: How do I retrieve my PIN?
A: If you forget your PIN, you can request a PIN reminder through the British Airways Rewards app or by calling British Airways Prepaid Mastercard Customer Service on +44 (0)203 146 0748 and selecting option 1.
Q: How do I change my PIN?
A: Where so enabled you may change your PIN at selected ATMs.
Q: What happens if I input my PIN incorrectly?
A: If you input your PIN incorrectly your card will be blocked after three attempts. To unblock your card please contact our British Airways Prepaid Mastercard Customer Service over webchat by selecting ‘Chat with us’ from the menu of your British Airways Executive Club Rewards app or by phone on +44 (0)203 146 0748.
Q: Can I withdraw cash with my card?
A: Yes, you can withdraw cash from ATMs in the UK and abroad. Fees and limits apply, please check the Fees and Limits Schedule in your Terms and Conditions for further details.
Q: Is my card contactless enabled?
A: Yes, your card is contactless enabled. To further protect yourself from liability of fraudulent transactions as a result of your British Airways Prepaid Mastercard being lost or stolen, you can contact British Airways Prepaid Mastercard Customer Service over webchat by selecting ‘Chat with us’ from the menu of your British Airways Executive Club Rewards app or by phone on +44 (0)203 146 0748 and request that the contactless option on your British Airways Prepaid Mastercard be disabled.
Q: Can I add my card to Apple Pay?
A: You can now add your card to your Apple Wallet in the British Airways Executive Club Rewards app.
Q: Can I add my card to Google Pay?
A: You can now add your card to Google Pay in the British Airways Executive Club Rewards app.
Q: What is my British Airways Prepaid Mastercard card fee?
A: The British Airways Prepaid Mastercard is fee free for the first 6 months of activating your card. After the first 6 months from activating your British Airways Prepaid Mastercard, a £2.99 card fee per month applies.
Q: How do I pay my card fee?
A: Your card fee will be collected on the 1st of each month 6 months after activation, from your registered debit card. The amount will then be credited onto and immediately debited from your available balance and shown as a transaction on your British Airways Prepaid Mastercard.
Q: What happens if my card fee cannot be taken?
A: If we are unsuccessful in collecting your card fee from your registered debit card, we reserve the right to charge the amount outstanding against the existing available balance of your British Airways Prepaid Mastercard and we reserve the right to close your card.
Q: How can I close my card?
A: You can close your card at any time by contacting our British Airways Prepaid Mastercard Customer Services over webchat by selecting ‘Chat with us’ from the menu of your British Airways Executive Club Rewards app or by phone on +44 (0)203 146 0748.
Before closing your card, you will be advised to withdraw or spend your remaining balance. You can also request your remaining balance to be returned back to the UK bank account against which your registered debit card is associated. This will be subject to a Balance Transfer Fee as set out in the Fees and Payments schedule of your Terms and Conditions, a £5 fee applies for a balance transfer.
If you cancel your British Airways Prepaid Mastercard at any time during the month, you will not be entitled to a refund of that month's card fee.
You can reapply for a new card at any time.
Q: My card has been cancelled because I have not paid my card fees, when can I reapply for one?
A: If your card has been cancelled due to non-payment of the card fee you will be unable to apply for a new card for 12 months from date of closure. If you apply for a new card, and that card is subsequently cancelled due to non-payment of the card fee more than once in any period then you will be unable to apply for a new account.
Q: I have misplaced my card, what do I do?
A: If you feel you may have misplaced your card, you can freeze and unfreeze your card in the HELP section of the Mastercard area within your British Airways Executive Club Rewards app.
Q: I have lost my card or it has been stolen, what do I do?
A: If your card has been lost or stolen, you can also report this, and request a replacement in the HELP section of the Mastercard area, within your British Airways Executive Club Rewards app. If you do not have access to your phone or your British Airways Executive Club Rewards app and would like to report your card lost or stolen and order a replacement, then please call British Airways Prepaid Mastercard Customer Service on +44 (0)203 146 0748 and select option 3 for lost and stolen.
Q: I see a transaction that I do not recognise, how can I dispute it?
A: To dispute a transaction, you will need to contact British Airways Prepaid Mastercard Customer Service over webchat by selecting ‘Chat with us’ from the menu of your British Airways Executive Club Rewards app or by phone on +44 (0)203 146 0748. The British Airways Prepaid Mastercard Customer Service team will send you a form for you to complete and return to the address on the form. You will receive a response regarding your dispute within 45 days.
You will need to raise any chargeback requests related to fraud within 120 days from the date of the disputed transaction. Any chargeback requests related to services or goods will need to be raised within 180 days of the disputed transaction or when you expected to receive the services or goods (e.g. the date of a hotel booking).
Q: What are the British Airways Prepaid Mastercard Customer Services opening hours?
A: The British Airways Prepaid Mastercard Customer Service opening hours are from 8:00h to 18:00h Monday to Friday; from 9:00h to 17:00h Saturdays and Bank Holidays; and closed on Sundays, Christmas Day, Boxing Day and New Year’s Day.
Q: My card is due to expire, what should I do?
A: You will automatically receive a new card before your card expires. This will be sent to the address which you supplied at the time of application. If you need to update the address, please get in touch with our customer service team.
Q: My new card has arrived, how do I activate the card?
A: To activate your new card, please go to settings within the British Airways Prepaid Mastercard area of the British Airways Executive Club Rewards app. From there you will need to select activate new card and follow the steps in app.
Q: If I don’t activate my new card, will I still be charged my monthly fee?
A: Yes your fee will still be charged to the registered debit card.
Q: My new card hasn’t arrived, what should I do?
A: Your new card will arrive at least 5 days before the existing card is due to expire. Please allow more time during the holiday period.
If your card doesn’t arrive, please get in touch with our customer service team.
The British Airways Prepaid Mastercard Avios FAQs
Q: How do I qualify for the British Airways Prepaid Mastercard’s Avios welcome bonus?
A: To qualify for the British Airways Prepaid Mastercard 1,500 Avios welcome bonus you must have held your British Airways Prepaid Mastercard for 90 days and have spent a minimum of either £500, $500 or €500 in any one currency within 90 days of activating your British Airways Prepaid Mastercard. ATM transactions do not apply.
Q: How many Avios will I earn with my British Airways Prepaid Mastercard?
A: You will be awarded 1 Avios per £2, €2 or $2 spent on your British Airways Prepaid Mastercard. Avios are calculated on the amount of the Transaction and then rounded to the nearest full Avios. For example, if you make a Transaction of £55.99, Avios are earned at the rate of 1 Avios per £2 spend (£55.99 divided by 2 equals 27.99, rounded to the nearest full Avios therefore 28 Avios will accrue).
Q: Can I collect Avios in any transaction made with my British Airways Prepaid Mastercard?
A: You cannot collect Avios:
- on your monthly card fee;
- on any means of digital electronic payment method (including but not limited to Bitcoin or casino money);
- on payments of rent for residential or business premises;
- on Payments for Court Costs, including Alimony and Child Support;
- on Payment of Fine;
- on Bail and Bond Payments;
- on Tax Payments to the HMRC
Q: Why have my Avios been debited from my BAEC account?
A: Avios will be debited from your BAEC account if you return any goods purchased with the card or if you submit a successful chargeback.
Q: What do I do if my Avios have not been awarded?
A: If your Avios have not been awarded within 24 hours of a transaction being shown on your statement, please contact British Airways Prepaid Mastercard Customer Service over webchat by selecting ‘Chat with us’ from the menu of your British Airways Executive Club Rewards app or by phone on +44 (0)203 146 0748.
Q: Why has my BAEC account been blocked?
A: If we think there is suspicious activity on your BAEC account, we may trigger an investigation, during which your BAEC account will be blocked. You will need to contact British Airways Prepaid Mastercard Customer Service to unblock your account.
Q: How do I access my funds if my BAEC account has been blocked?
A: If your BAEC account is blocked, you will not be able to log in to your BAEC account, the British Airways Executive Club Rewards app, redeem Avios or Top Up your British Airways Prepaid Mastercard. You will still be able to earn Avios which will be subject to the outcome of any investigation, and you can still spend on your available balance on your British Airways Prepaid Mastercard.
Q: What is Collect on Card?
A: Your British Airways Prepaid Mastercard has been registered against your British Airways Executive Club account so that you can collect additional Avios on qualifying purchases made with this Card at participating Collect on Card Retailers featured at shopping.ba.com.
Q: When will my additional Avios be awarded?
A: Additional Avios that is collected on qualifying purchases with Collect on Card Retailers will not be instantly awarded to your British Airways Executive Club Account in the same way as the British Airways Prepaid Mastercard. Your qualifying purchase will be tracked and processed, and your Avios will be awarded to your British Airways Executive Club Account within 7 days.
Q: Can I unregister my Card?
A: If you no longer wish to register your British Airways Prepaid Mastercard to collect additional Avios on your qualifying purchases with Collect on Card Retailers, you can unregister your card through the British Airways Rewards app or visit shopping.ba.com.
Terms and Conditions
The British Airways Prepaid Mastercard® Terms and Conditions - Valid as of December 2022
These Terms and Conditions (“Agreement”) govern the use of the Payment Services defined in Clause 1, which are supplied by Prepaid Financial Services Ltd, 4th Floor, 35 Great St Helen’s, London, EC3A 6AP whose details are in Clause 2 (“we”, “us”, “our”) to any person whose application we approve (“Customer”, “you”, “your”). Words that begin with a capital letter have the meaning given either where they first appear in this Agreement or in Clause 1. This Agreement includes the terms of our privacy policy.
By activating your Card, you agree that you have read and understood the terms of this Agreement (a copy of which you may download and store at any time). This Agreement shall commence at that time and continue unless cancelled under Clause 10 or terminated under Clause 12. We reserve the right to change this Agreement by giving 2 months’ notice to you in accordance with Clause 18. If we do this, you may terminate this Agreement immediately and without charge before the proposed changes take effect, otherwise you shall be deemed to have accepted such changes when the 2 months’ notice expires. However, you agree that changes to the Applicable Exchange Rate may be applied immediately and at the rate quoted via the Payment Service at the time of the relevant Transaction. Please also read the conditions of redemption, including any fees relating to redemption, in Clause 11 before activating your Card.
We will communicate with you in English (the language in which this Agreement was agreed with you on registration for your Account). Key information relating to your Transactions will be provided to you at the email address you register with us and/or in your Account. You may access, download and print this information at any time by logging in to your Account. In addition, you agree that we may provide notices or other information to you from time to time by posting it in your Account, emailing it to your registered email address, mailing it to your registered physical address, calling you by phone or sending you mobile messages. Notices to you by email or mobile messages shall be deemed given 24 hours after the email is sent, unless the sending party is notified that the email address is invalid. Notices sent by registered mail shall be deemed to have been received three days after the date of mailing. You may contact us as specified in Clause 2.
You may request a copy of any legally required disclosures (including this Agreement) from us via the contact details in Clause 2, and we will provide this to you in a form which enables you to store the information in a way that is accessible for future reference for a period of time adequate for the purposes of the information and which allows the unchanged reproduction of the information stored via, for example, our website, your Account or by email.
If we use words that start with a capital letter, that means the word has been defined in this ‘Definition & Interpretation’ section.
|
"Account" |
a data account in our systems where we record your Available Balance, Transaction Data, amount in your Currency E-Wallet and other information from time to time accessible through the British Airways Rewards App; |
|
“Account Information Service” |
means an online service to provide consolidated information on one or more payment accounts held by the payment service user with another payment service provider or with more than one payment service provider; |
|
Account Information Service Provider” or “AISP” |
the supplier of an Account Information Service;
|
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“Applicable Exchange Rate”
|
the exchange rate available on our website prepaidfinancialservices.com/en/exchange-rates; |
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“ATM” |
an automated teller machine is an electronic telecommunications device that enables Customers to perform financial transactions, particularly cash withdrawal, without the need for a human cashier, clerk or bank teller; |
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"Available Balance" |
the amount of E-money issued by us to your Account but not yet spent or redeemed; |
|
“Balance Transfer” |
the transfer of your Available Balance into the UK bank account which is linked to your registered debit card;
|
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“Balance Transfer Fee” |
has the meaning given in the attached Fees & Limits Schedule; |
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"British Airways Executive Club” or “BAEC” |
means the frequent flyer programme operated by British Airways Plc; |
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“BAEC Member” |
an individual who is a Member of the British Airways Executive Club;
|
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“British Airways Rewards App” |
means the mobile phone application operated by British Airways Plc for the British Airways Executive Club; |
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“Business Day" |
means Monday to Friday, 0900hrs to 1700hrs GMT, excluding bank and public holidays in the UK; |
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“Card” |
a British Airways Prepaid Mastercard card issued by us and linked to your Account, which can be used to spend your Available Balance wherever Mastercard cards are accepted; |
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“Card Advance Fee” |
a fee charged to your Card when making certain payments, as set out in the attached Fees & Limits Schedule; |
|
“Card Fee” |
is a fee charged for use of the Card, as set out in the Fees & Limits Schedule; |
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“Card Replacement Fee” |
has the meaning given in the attached Fees & Limits Schedule; |
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“Card Scheme” |
the operator of the payment scheme under which we issue each Card; |
|
“Currency E-Wallet” |
means the currency of GBP, EUR or USD your Card has in its Available Balance as selected by you in accordance with Clause 4.4; |
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“Customer Due Diligence” |
the process we are required to go through to verify the identity of our Customers; |
|
“Customer Funds Account” |
the segregated bank account where we hold relevant funds corresponding to your Available Balance in accordance with the safeguarding provisions of the Electronic Money Regulations 2011; |
|
“Customer Services” |
means the British Airways Prepaid Mastercard customer services team who can be contacted on +44 (0)203 146 0748;
|
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“Deposit Only” |
an Account status whereby spend is blocked and only Top Ups of your Available Balance are enabled;
|
|
“E-money” |
monetary value issued by us to your Account on receipt of funds on your behalf in our Customer Funds Account, equal to the amount of funds received;
|
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“European Economic Area” or “EEA” |
means the European Union (“EU”) member states, as well as Iceland, Liechtenstein and Norway; |
|
“Fees” |
means the fees payable by you for the Payment Services as specified in the attached Fees & Limits Schedule;
|
|
“Late Redemption Fee” |
has the meaning given in the attached Fees & Limits Schedule;
|
|
“Merchant” |
a retailer who accepts Payment for the sale of goods or services to you; |
|
“Payment” |
means a payment for goods or services using a Card;
|
|
“Payment Initiation Service” |
means an online service to initiate a payment order at the request of the payment service user with respect to a payment account held at another payment service provider;
|
|
“Payment Initiation Service Provider” or “PISP” |
is a payment service provider who supplies a Payment Initiation Service;
|
|
"Payment Services" |
means the services supplied by us to you under this Agreement, including issuing Cards, Accounts and IBANs; and executing Transactions;
|
|
“Personal Identification Number” or “PIN” |
is a four digit code (PIN) used to verify the individual is the owner/Authorised Person of the Card, and helps protect against fraud. A PIN code is used at the ATM and POS (Point of Sale);
|
|
“Transaction” |
means a Payment;
|
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“Top Up” |
a deposit of funds from your registered debit card onto your Customer Funds Account.
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2.1. Your Card or Account can be managed through the British Airways Rewards App. You can report your Cards lost or stolen through the British Airways Rewards App. If you do not have access to the British Airways Rewards App please contact Customer Services on +44 (0)203 146 0748.
2.2. The British Airways Prepaid Mastercard is issued by Prepaid Financial Services Limited pursuant to a license from Mastercard International Incorporated. Prepaid Financial Services Limited is authorised and regulated by the Financial Conduct Authority under the Electronic Money Regulations 2011, firm reference number 900036, for the issuance of electronic money and provision of payment services. Registered Office: Prepaid Financial Services Ltd, 4th Floor, 35 Great St Helen’s, London, EC3A 6AP. Company Registration number: 06337638.
2.3. PFS is authorised and regulated as an e-money issuer by the Financial Conduct Authority registration number 900036.
2.4. Details of the PFS authorisation licence by the Financial Conduct Authority is available on the public register.
2.5. Prepaid Financial Services Limited acts as the programme issuer.
2.6. Full Terms can be found at ba.com/prepaid. British Airways Plc (“BA”) is the distributer and is registered in England and Wales company no.01777777 of Waterside, Speedbird Way, Harmondsworth, West Drayton, Middlesex UB7 0GA.
2.7. Avios Group (AGL) Limited, trading as IAG Loyalty (“IAGL”), is the programme manager. IAGL is registered in England and Wales, under registration number 02260073, with registered office at Waterside (HEA3), Harmondsworth, West Drayton UB7 0GB.
2.8. Prepaid Financial Services Limited is licensed as a principal member with the Mastercard Scheme. Mastercard is a registered trademark of Mastercard International Incorporated.
3.1. Your Card is not a credit card and is not issued by a bank. Regardless of the type of Card(s) you have, you will have only one Account where your Available Balance is located.
3.2. Your Payment Services may not be activated unless we have been provided with the required information so that we may identify you and can comply with all applicable Customer Due Diligence requirements. We shall keep records of such information and documents in accordance with all applicable legal and regulatory requirements.
3.3. In order to be entitled to register for the Payment Services you must:
i. be over 18 years of age;
ii. be a UK resident;
iii. be a BAEC Member; and
iv. hold a valid debit card, which is registered against a UK bank account.
3.4. Applications for the Card must be completed on the British Airways Rewards App.
3.5. The Cards will be linked to your BAEC membership number. You will be entitled to hold one British Airways Prepaid Mastercard only, no secondary cards will be issued.
3.6. Reference to a currency (e.g. Euros € or Sterling £) shall mean that amount or the local currency equivalent in which your Card is denominated.
3.7. The Available Balance on your Card and/or Account will not earn any interest.
3.8. The Payment Services are prepaid payment services and not a credit or bank product, you must therefore ensure that you have a sufficient Available Balance from time to time to pay for your Transactions and applicable Fees. If for any reason a Transaction is processed, and the Transaction amount exceeds the Available Balance, you must repay us the amount of such excess immediately and we shall be entitled to stop any existing or subsequent Transactions from proceeding.
3.9. This Agreement does not give you any rights against the Card Schemes, its affiliates or any third party.
3.10. Each time you seek access to your Account we will ask for your PIN (as defined in Clause 8). As long as the correct PIN is entered, we will assume that you are the person giving instructions and making Transactions and you will be liable for them, except to the extent provided for in Clause 8. We can refuse to act on any instruction that we believe: (i) was unclear; (ii) was not given by you; or (iii) might cause us to breach a legal or other duty; or (iv) if we believe the Payment Service is being used for an illegal purpose.
3.11. We will do all that we reasonably can to prevent unauthorised access to the Account. As long as you have not breached the other terms contained in this Clause 3 or Clause 8, we will accept liability for any loss or damage to you resulting directly from any unauthorised access to the Account pursuant to Clauses 13 and 14 of this Agreement.
4.1. Transactions may be restricted by Card or Account type, individual usage patterns and payment risk profiles. Cards are issued in accordance with regulatory limits and conditions. Limits relating to the use of Cards can be found in the attached Fees & Limits Schedule. For anti-money laundering and anti-fraud reasons we reserve our rights to change particular payment restrictions (including from those published or included herein) without notice and to the extent required to meet our regulatory obligations.
4.2. Simplified Due Diligence may be restricted to domestic ATM access, along with reduced annual maximum load limits and capped annual withdrawal limits. These limits will be subject to Card Scheme and regulatory requirements.
4.3. When sending funds to your Account with us, we require that you make a payment using the debit card registered against your Account.
4.4. You can top up your British Airways Prepaid Mastercard with GBP only. You can then select to transfer from GBP through your Currency E-Wallet into either USD or EUR at the Applicable Exchange Rate. You will not be charged a Fee for Transactions using the currency from the correct Currency E-Wallet.
4.5. We cannot be held liable for the payment process or fees associated with bank(s) and or intermediary bank(s) to process payments from you to us. Any fee(s) charged by third parties, not limited to receiving, processing or crediting a payment for you will be deducted by us before crediting the remaining balance to you.
4.6. You are responsible for checking and confirming payment details and fees before making a payment to us or to your Account.
4.7. We will credit payments received to your Account at least once a day and before the end of the Business Day. Amounts received after the cut off period will be processed the next Business Day and you will hold us free and clear from any responsibility in this regard.
4.8. You may be asked to provide us with evidence of source of funds in order for us to meet our regulatory requirements, in which case you agree to provide that evidence promptly. You represent and warrant to us that the evidence you provide to us is up to date, complete and accurate.
4.9. Where so enabled you may change your PIN at selected ATMs.
5.1. You may access your Account information by logging into your Account through the British Airways Rewards App. From here you will be able to view details of your Available Balance, Transactions, including dates, currencies, charges or exchange rates applied. This information is accessible at any time and can be stored and reproduced as necessary upon request – please contact Customer Services on +44 (0)203 146 0748.
5.2. You can use the Payment Services up to the amount of the Available Balance for Transactions. The value of each Transaction and the amount of any Fees payable by you under this Agreement will be deducted from the Available Balance.
5.3. Any Transactions in currencies other than GBP, EUR or USD, will be automatically deducted from your GBP balance and the Applicable Exchange Rate will be applied and will be subject to the applicable Fee. If your balance in GBP is not sufficient to cover the Transaction in currencies other than GBP, EUR and/or USD, the remaining balance will be deducted from your balance in EUR or USD, starting with the highest balance.
5.4. If you make a Transaction in GBP, Euro or USD where you do not have sufficient funds in the relevant Currency E-Wallet, we will deduct the amount from another Currency E-Wallet at the Applicable Exchange Rate and the Transaction will be subject to the applicable Fee.
5.5. If you have a negative Available Balance on any of your Currency E-Wallets, we reserve the right to deduct the amount from another Currency E-Wallet at the Applicable Exchange Rate to rectify this and bring the Available Balance to zero from another Currency E-Wallet, subject to the applicable Fee.
5.6. If you are in negative Available Balance in any currency (not only GBP) your Card will be put in Deposit Only status.
5.7. Once a Transaction is authorised, the relevant payment order may not be withdrawn (or revoked) by you after the time it is received by us. A Transaction will be deemed to have been received by us at the time you authorise the Transaction as follows:
i. for Payments and ATM Transactions, at the time we receive the payment order for the Transaction from the merchant acquirer or ATM operator; and
ii. a payment order for a Transfer is provided to and received by us at the time it is issued by you via the Account;
5.8. Where a revocation of an authorised payment is agreed between us and you, we may charge a Fee for revocation.
5.9. In order to protect you and us from fraud, Merchants may seek electronic authorisation before processing any Payment. If a Merchant is unable to get an electronic authorisation, they may not be able to authorise your Payment.
5.10. We may refuse to authorise any use of the Payment Services which could breach these Terms and Conditions or if we have reasonable grounds for suspecting that you or a third party have committed or are planning to commit fraud or any other illegal or un-permitted use of the Payment Services.
5.11. Your ability to use or access the Payment Services may occasionally be interrupted, for example if we need to carry out maintenance on our Systems. Please contact Customer Services to notify us of any problems you are experiencing using your Card or Account and we will endeavour to resolve any problem.
5.12. You agree to only use the Payment Services for lawful purposes and to adhere at all times to all laws, rules and regulations applicable to the use of the Payment Services, including the terms of this Agreement.
5.13. You may not use the Payment Services to receive or transfer any funds on behalf of any other natural person or legal entity.
6.1. If you hold a British Airways Prepaid Mastercard, you will not be charged a Card Fee for 6 months from date of Activation. After this date, you authorise us to automatically begin to charge a Card Fee as set out in the Fees and Limits table on the 1st day of every month.
6.2. Card Fees will be charged against the debit card that is registered against your Account for top up of your Available Balance. Once the Card Fee has been charged, the amount will be credited onto and immediately debited from your Available Balance, and documented as a transaction on your Account.
A Card Advance Fee is charged when your Card is used to pay for certain categories of services provided by your Merchant/Credit Card Companies. These are set out in the Fees Schedule. You should also refer to your Merchant/Credit Card Terms & Conditions as there may be a fee charged by them to your Merchant/Credit Card in association with that transaction. This Advance Fee is charged by your Merchant/Credit Card Company to your Prepaid Card when used for the services listed in the Fees Schedule.
6.3. If we are unsuccessful in charging your Card Fee against your registered debit card, we reserve the right to take the amount outstanding from your existing Available Balance.
6.4. If we are unsuccessful in recovering your Card Fee in full, following 6 failed attempts, we will retain any remaining Available Balance as partial recovery of the Card Fee and cancel your Account.
6.5. In the event that we cancel your Account due to non-payment or partial payment of the Card Fees, we will notify you in writing by email, and may pursue a debt recovery process to recover the amount outstanding.
6.6. If your Account has been cancelled due to non-payment of Card Fees you will be unable to apply for a new Account for 12 months from date of closure. If you apply for a new Account, and that Account is subsequently cancelled due to non-payment of Card Fees more than once in any period then you will be unable to apply for a new Account.
6.7. If you cancel your Account at any time during a month you will not be entitled to refund, or partial refund of the Card Fee for that month.
6.8. In the event that we incorrectly charge a Card Fee from your registered debit card, we will notify you in writing by email and refund the incorrectly charged amount to your Available Balance within 5 working days. If you would like the refunded amount returned to your registered debit card, you can contact Customer Services to request this.
7.1. You may consent to regulated third party providers (PISPs or AISPs) accessing your Account online to make payments or obtain information about balances or Transactions on your Card and/or Account.
7.2. Some Merchants may not accept payment using our Payment Services. It is your responsibility to check the policy with each Merchant. We accept no liability if a Merchant refuses to accept payment using our Payment Services.
7.3. You will need to raise any chargeback requests related to fraud within 120 days from the date of the disputed transaction. Any chargeback requests related to services or goods will need to be raised within 180 days. In certain scenarios different timeframes would apply, so in the example for travel, where a hotel booking is made for the future the timeframe would be up to 180 calendar days from the date the booking is made for.
7.4. To dispute a transaction, you will need to contact Customer Services. The Customer Service team will send you a form for you to complete and return to the address on the form. You will receive a response regarding your dispute within 45 days.
8.1. You are responsible for the safekeeping of your BAEC log in details and Personal Identification Number for your Card.
8.2. Do not share your PIN with anyone. You must keep your PIN safe and separate from your Card or any record of your Card number and not disclose it to anyone else. This includes:
i. memorising your PIN as soon as you receive it, and destroying and/or erase the authorised communication used to transmit it to you;
ii. never writing your PIN on your Card or on anything you usually keep with your Card;
iii. keeping your PIN secret at all times, including by not using your PIN if anyone else is watching;
iv. not disclosing your PIN to any person.
8.3. The user of the Card(s) must sign the signature strip on any Personalised Card immediately when received.
8.4. If you forget your PIN, you can request a PIN reminder through the British Airways Rewards App or by calling Customer Services to retrieve your PIN again.
8.5. Do not share your PIN with anyone. If you disclose the PIN to any other person, you are responsible and liable for their access, use or misuse of the Account, their breach of the terms of this Agreement or disclosure of the PIN.
8.6. The Payment Services may only be used by you.
8.7. You must not give the Card to any other person or allow any other person to use the Payment Services. You must keep the Card in a safe place.
8.8. Failure to comply with Clauses 8.2 and/or 8.5 may affect your ability to claim any losses under Clause 14 in the event that we can show that you have intentionally failed to keep the information safe or you have acted fraudulently, intentionally, with undue delay or with gross negligence. In all other circumstances your maximum liability shall be as set out below at Clause 15.
8.9. If you believe that someone else knows your Account or Card security details, you should contact us immediately in accordance with Clause 13.
8.10. Once your Card has expired (see Clause 11), or if it is found after you have reported it as lost or stolen, you must destroy your Card by cutting it in two, through the magnetic strip.
9.1. If you enter into Transactions over the internet, some websites require you to enter your name and address. In such cases you should supply the most recent address which has been registered with us by you as the Account address. The Account address is also the address to which we will send any correspondence.
9.2. You must notify us within 7 days of any change in the Account address or your other contact details. You can notify us by contacting Customer Services who may require you to confirm such notification in writing. You will be liable for any loss that directly results from any failure to notify us of such a change as a result of undue delay, your gross negligence or fraud. We will need to verify your new Account address and shall request the relevant proofs from you.
9.3. We reserve the right at any time to satisfy ourselves as to your identity and home address (for example, by requesting relevant original documents) including for the purposes of preventing fraud and/or money laundering. In addition, at the time of your application or at any time in the future, in connection with your Account, you authorise us to perform electronic identity verification checks directly or using relevant third parties.
10.1. Your purchase of the Payment Services is subject to a “Cooling Off” period of 14 days beginning on the date of the successful registration of your Account, whereby you shall be entitled to withdraw from this Agreement and cancel the Payment Services, without any penalty but subject to deduction of any reasonable costs incurred by us in the performance of any part of the provision of Payment Services before you cancel. You must contact us within this 14-day “Cooling Off” period and inform us that you wish to withdraw from this Agreement and you must not use the Payment Services. We will then cancel the Payment Services and reimburse the amount of Available Balance on the Account to you. However, we reserve the right to hold Available Balance for up to 30 business days from receipt of your instructions before returning the balance, to ensure that details of all Transactions have been received.
10.2. If you have paid a Card Fee related to your Account as set out in the Fees and Limits Schedule, you will be entitled to a refund of that Fee upon withdrawing from this agreement within the “Cooling Off” period.
10.3. After the Cooling Off period you may only terminate the Payment Services as described in Clause 12.
11.1. Your Card has an expiry date printed on it (the “Expiry Date”). The Card will no longer be valid following the Expiry Date, and you must not use it after that time, but you will still be able to Top Up funds from the Account associated with the Card.
11.2. We reserve the right to issue you with a replacement for an expired Card even if you have not requested one. You will automatically be provided with a replacement card prior to the expiry date printed on your card. If you do not wish to be provided with a replacement card please contact us at least 14 days before the expiry date printed on your card.
11.3. Your Available Balance is available for redemption by contacting us at any time before the end of the 6 years after the date on which this Agreement ends under Clause 12, after which time your Available Balance will no longer be redeemable to you and we are entitled to retain the corresponding funds. Where an Available Balance remains for more than one year after the date on which this Agreement ends under Clause 12, we are not required to safeguard the corresponding funds in our Customer Funds Account, but you can still request redemption for up to 6 years. We may deduct from the proceeds of redemption of any such Available Balance the amount of any Late Redemption Fee and any other applicable Fees and charges as set out in the Fees and Limits Schedule.
11.4. Provided that your request for redemption is made less than 12 months following the date on which this Agreement ends under Clause 13, redemption will not incur any Late Redemption Fee. If you make a request for redemption more than 12 months after the date on which this Agreement ends under Clause 12 a Late Redemption Fee may be charged (where specified).
11.5. We shall have the absolute right to set-off, transfer, or apply sums held in the Account(s) or Cards in or towards satisfaction of all or any liabilities and Fees owed to us that have not been paid or satisfied when due.
11.6. We shall have the absolute right to close your Account and submit a chargeback claim for the relevant Transactions if your Account is in negative standing for more than 60 days. If our chargeback is successful, funds paid to your Account may only be used to credit your Card or Account, and your Account will remain closed.
11.7. If your Account is inactive (including without limitation no access to the account or payment Transactions) for at least 2 consecutive years and has an Available Balance, we may (but we are not obliged to) notify you by sending an e-mail to your registered e-mail address and give you the option of keeping your Account open and maintaining or redeeming the Available Balance. If you do not respond to our notice within thirty (30) days, we will automatically close your Account and initiate a Transfer of your Available Balance to the last payment account notified by you to us (your “Nominated Bank Account”).
12.1. We may terminate this Agreement and your use of the Payment Services with at least 2 months’ prior written notice.
12.2. Your use of your Card ends on the Expiry Date in accordance with Clause 11.1.
12.3. This Agreement and your use of the Payment Services will also end when your ability to initiate all Tops Ups, Transactions, and pay Card Fees ceases.
12.4. We may terminate or suspend, for such period as may reasonably be required, your use of the Payment Services in whole or in part at any time or the processing of any Transaction(s) if:
v. there is any fault or failure in the relevant data processing system(s);
vi. we reasonably believe that you have used or are likely to use the Payment Services, or allow them to be used, in breach of this Agreement or to commit an offence;
vii. any Available Balance may be at risk of fraud or misuse;
viii. we suspect that you have provided false or misleading information;
ix. we are required to do so by law, the police, a court or any relevant governmental or regulatory authority;
x. required to fulfil our legal obligations in relation to the fight against money laundering and financing of terrorism;
xi. there is suspicion of unauthorised or fraudulent access to or use of your Account or that any of its security features have been compromised, including the unauthorised or fraudulent initiation of a Transaction;
xii. we have reasonable grounds to believe you are carrying out a prohibited or illegal activity;
xiii. we are unable to verify your identity or any other information pertaining to you, your Account or a Transaction; or
xiv. we suspect fraudulent activity on your BAEC account, as set out in Avios Offer Schedule.
12.5. If any Transactions are found to have been made using your Card after expiry or any action has been taken by us under Clause 12.4,you must immediately repay such amounts to us.
12.6. Where it is practicable and lawful for us to do so, or it would not compromise reasonably justified security reasons, we will notify you via email of the suspension or restriction and the reasons for it before such measures take place or immediately thereafter.
12.7. We will reinstate your Account or execute the relevant Transaction(s) as soon as practicable after the reasons pursuant to Clause 12.4 no longer apply or exist.
12.8. If you wish to terminate your Payment Services you can do so at any time by calling Customer Services.
12.9. Before terminating your Payment Services, you will be advised to withdraw or spend your Available Balance. You can also request your Available Balance to be returned to the UK bank account against which your registered debit card is associated. This will be subject to a Balance Transfer Fee as set out in the Fees and Payments schedule. If you wish to do this, you must request termination and the return of your Available Balance by calling Customer Services who will then instruct you further and will suspend all further use of your Payment Services.
12.10. Once we have received all the necessary information from you (including any Customer Due Diligence) and all Transactions and applicable Fees and charges have been processed, we will refund you any Available Balance less any Fees and charges payable to us, provided that:
i. you have not acted fraudulently or with gross negligence or in such a way as to give rise to reasonable suspicion of fraud or gross negligence; and
ii. we are not required to withhold your Available Balance by law or regulation, or at the request of the police, a court or any regulatory authority.
12.11. Once the Payment Services have been terminated, it will be your responsibility to destroy the Card(s) that were provided to you.
12.12. If, following reimbursement of your Available Balance, any further Transactions are found to have been made or charges or Fees incurred using the Card or we receive a reversal of any prior funding Transaction, we will notify you of the amount and you must immediately repay to us such amount on demand as a debt.
12.13. If you choose to close your Account without spending or withdrawing your Available Balance and do not want to transfer your Available Balance back to the UK bank account against which your registered debit card is associated, you will be advised to request this in writing by email. Your Account will then be closed, and the Available Balance will be retained by us and IAGL.
12.14. If you would like to redeem your retained Available Balance at any time within 12 months from date of Account closure, you can do so by contacting Customer Services. The transfer of your Available Balance within 12 months of Account closure will be subject to a Balance Transfer Fee as set out in the Fees and Payments schedule.
12.15. If you would like to redeem your retained Available Balance at any time post 12 months from date of Account closure, you can do so by contacting Customer Services. The transfer of your Available Balance post 12 months of Account closure will be subject to a Late Redemption Fee as set out in the Fees and Payments schedule.
12.16. If you cancel your Account at any time during the month, you will not be entitled to a refund of that month's Card Fee.
12.17. If your Account is closed due to non-payment of Card Fees pursuant to Clause 6.6, you will not be able to re-apply for 12 months. If your Account is closed due to non-payment of Card Fees twice, you will not be able to reapply again.
12.18. We reserve the right to close your Account if your Available Balance is not topped up within 180 days from activation.
13.1. If your Card is lost or stolen or if you think someone is using your Card and PIN without your permission or if your Card is damaged or malfunctions:
i. You must contact Customer Services as soon as possible and you must provide us with your Account or Card number, or some other identifying details acceptable to us so that we can be sure we are speaking to you; and
ii. Provided we have obtained your consent to close the Account, we will then provide you with a replacement Card with a corresponding new Account loaded with an amount equivalent to your last Available Balance.
13.2. Once we have been notified of any loss or theft, we will suspend the Payment Services as soon as we are able, to limit any further losses (see Clause 14). We can only take steps to prevent unauthorised use of the Payment Services if you can provide us with the Account or Card number, and if you can produce sufficient details to identify yourself and the relevant Account.
13.3. Replacement Cards will be posted to the most recent Account address registered by you. Your first Card replacement is free of charge every year, thereafter a Card Replacement Fee will be charged as set out in the Fees and Limits Schedule.
13.4. Failure to provide the correct address will result in a Card Replacement Fee.
13.5. If you subsequently find or retrieve a Card that you have reported lost or stolen, you must immediately destroy the found Card by cutting it in half through the magnetic stripe and chip.
13.6. You agree to help us, our agents, regulatory authorities and the police if your Card is lost, stolen or if we suspect that the Payment Services are being misused.
14.1. Subject to Clauses 14.2, 14.3 and 14.6 we will reimburse you in full for all unauthorised Transactions sent from your Account immediately and in any event no later than the end of the following Business Day after noting or being notified of the Transaction (except where we have reasonable grounds for suspecting fraud), provided that you have informed us of the unauthorised Transaction without undue delay after becoming aware of the Transaction and in any event, no later than 13 months after the Transaction was executed. Where applicable, we shall restore your Account to the state in which it would have been had the unauthorised Transaction not taken place, so the credit value date shall be no later than the date the amount had been debited.
14.2. You may be liable for losses relating to any unauthorized Transactions up to a maximum of £100 resulting from the use of a lost or stolen Card or the misappropriation of your Account, unless the loss, theft or misappropriation was not detectable to you prior to payment (except where you acted fraudulently) or was caused by acts or lack of action of our employee, agent, branch or service provider.
14.3. You are liable for any losses incurred by an unauthorised Transaction if you have acted fraudulently or failed either intentionally or through gross negligence, to use your Account in accordance with the terms of this Agreement or to keep your PIN confidential and secure in accordance with Clause 8.
14.4. You shall not be liable for losses incurred by an unauthorised Transaction which takes place after you have notified us of a compromise of your PIN according to Clause 8, unless you have acted fraudulently, or where we have failed to provide you with the means to notify us in the agreed manner without delay on you becoming aware of the loss, theft, misappropriation or unauthorised use of your Card or Account.
14.5. We shall not be liable for a refund or losses incurred by an incorrectly or non-executed payment Transaction if the details of the payee’s account provided by you were incorrect or we can prove that the full amount of the Transaction was duly received by the payment service provider of the payee.
14.6. We shall not be liable for any unauthorised or incorrectly executed Transactions in case the Transaction was affected by abnormal and unforeseeable circumstances beyond our reasonable control or where we acted in accordance with a legal obligation.
14.7. Where we are liable for the incorrect execution of a Transfer that you receive under this Agreement, we shall immediately place the amount of the Transaction at your disposal in accordance and credit the corresponding amount to your Account no later than the date on which the amount would have been value dated, had the Transaction been correctly executed.
14.8. Where we are liable for the incorrect execution of a Payment, Transfer by you as payer, we shall, without undue delay, refund to you the amount of the non-executed or defective Transaction, and, where applicable, restore the debited Account to the state in which it would have been had the defective Transaction not taken place.
14.9. In the case of a non-executed or defectively executed Payment or Transfer by you as payer, we shall, regardless of whether we are liable, on request, make immediate efforts to trace the Transaction and notify you of the outcome, free of charge.
14.10. A Payment initiated by or through a payee (e.g. a Merchant) shall be considered to be unauthorised if you have not given your consent for the Payment to be made. If you believe that a Payment has been made without your consent you should contact us in accordance with Clause 2.
14.11. The right to a refund under this Clause 14 does not apply where you have given consent directly to us for the Payment to be made and, if applicable, information on the Payment was provided or made available to you by us or the payee in an agreed manner for at least four weeks before the due date.
14.12. If you are not satisfied with the justification provided for refusing the refund or with the outcome of your claim for a refund, you may submit a complaint to us or contact the complaints authority as described in Clause 16.
14.13. If at any time we have incorrectly deducted money from your Available Balance, we shall refund the amount to you. If we subsequently establish that the refunded amount had been correctly deducted, we may deduct it from your Available Balance and may charge you a Fee. If you do not have sufficient Available Balance, you must repay us the amount immediately on demand.
14.14. Where any request, Transaction, disputed Transaction, arbitration or reversed Transaction involves third party costs, you remain liable for these and they will be deducted from your Account or otherwise charged to you.
14.15. We, IAGL and British Airways are not liable for any transactions occurring as a result of a lost or stolen Card prior to it being reported as lost or stolen. If you suspect you have lost your Card or it has been stolen, you should freeze the Card immediately from the HELP section of your British Airways Rewards App and then contact Customer Services to report it lost or stolen. Your Card will then be blocked, and you will be issued a new one and your funds will be safeguarded. To further protect yourself from liability of fraudulent transactions as a result of your Card being lost or stolen, you can contact Customer Services and request that the contactless option of your Card be disabled.
15.1. Without prejudice to Clause 14 and subject to Clause 15.4:
i. Neither party shall be liable to the other for indirect or consequential loss or damage (including without limitation loss of business, profits or revenues), incurred in connection with this Agreement, whether arising in contract, tort (including negligence), breach of statutory duty or otherwise.
ii. We shall not be liable:
a) if you are unable to use the Card or Payment Services for any valid reason stated in this Agreement;
b) for any fault or failure beyond our reasonable control relating to the use of the Payment Services, including but not limited to, a lack of Available Balance or fault in or failure of data processing systems;
c) for any loss, fault or failure relating to the use of a Third-Party Provider as stated in Clause 6.3, 6.6 and 6.7 of this Agreement;
d) if a Merchant refuses to accept a Payment or fails to cancel an authorisation or pre-authorisation;
e) for the goods or services that are purchased with your Card.
f) for any dispute you might have with a Merchant or other user of the Payment Service where you acted with:
1. undue delay
2. fraudulently; or
3. With gross negligence (including where losses arise due to your failure to keep us notified of your correct personal details)
15.2. You agree that you will not use the Payment Services in an illegal manner and you agree to indemnify us against any claim or proceeding brought about by such illegal use of the Payment Services by you.
15.3. You are solely responsible for your interactions with Merchants or other users of the Payment Service. We reserve the right, but have no obligation, to monitor or mediate such disputes.
15.4. To the fullest extent permitted by relevant law, and subject to Clause 14 and Clause 15.5, our total liability under or arising from this Agreement shall be limited as follows:
i. where your Card is faulty due to our default, our liability shall be limited to replacement of the Card or, at our choice, repayment to you of the Available Balance; and
ii. in all other circumstances of our default, our liability will be limited to repayment of the amount of the Available Balance.
15.5. Nothing in this Agreement shall exclude or limit either Party's liability in respect of death or personal injury arising from that party's negligence or fraudulent misrepresentation.
15.6. No party shall be liable for or be considered in breach of this Agreement on account of, any delay or failure to perform as required by this Agreement as a result of any causes or conditions which are beyond such Party's reasonable control.
16.1. We are committed to providing an excellent customer experience for all our customers. If we do not meet your expectations in any way, we want to have the opportunity to put things right.
16.2. In the first instance, your initial communication will be with our Customer Services who can be contacted by phone at +44 (0)203 146 0748. Our Customer Services Team will listen to your needs and will do their best to solve your issue promptly and fairly. We value the opportunity to review the way we do business and help us meet our customers’ expectations.
16.3. If having received a response from our Customer Services and you are unhappy with the outcome, please contact the Complaints Team of Prepaid Financial Services Ltd, 4th Floor, 35 Great St Helen’s, London, EC3A 6AP in writing via email on complaints@prepaidfinancialservices.com.
16.4. Once received, the Complaints Team will conduct an investigation and you will receive a response of its findings within 15 days of receipt of the complaint. In exceptional circumstances where we are unable to reply within the first 15 days, we will reply providing a reason for the delay and deadline for response, not more than 35 days after first receipt of complaint.
16.5. If the Complaints Team is unable to resolve your complaint and you wish to escalate your complaint further, please contact the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Details of the service offered by the Financial Ombudsman Service are available here or alternatively you can lodge your complaint in your country of domicile with the Online Dispute Resolution process.
16.6. You must provide us with all receipts and information that are relevant to your claim.
17.1. We are registered Data Controller with the Information Commissioners Office in the UK under registration number Z1821175
17.2. In order for us to provide you with the services relating to your Account, we are required to collect and process personal data about you, with your consent or on a legal basis to meet our obligations for Anti-Money Laundering legislation or another governmental organisation. Where applicable, if an Account holder is under 13, then parental consent is explicitly required.
17.3. Your consent will be sought for collection of your data and you have the right to agree or decline. Where you decline consent for the collection and processing of your data we reserve our right to discontinue service due to our obligations as a financial services institution.
17.4. We may disclose or check your personal data with other organisations and obtain further information about you in order to verify your identity and comply with applicable money laundering and governmental regulations. A record of our enquiries will be left on your file.
17.5. We may pass your personal data on to third-party service providers contracted to us in the course of dealing with your Account. Any third parties that we may share your data with are obliged to keep your details secure, and to use them only to fulfil the service they provide you on our behalf. Where we transfer the personal data to a third country or international organisation, we ensure this is done securely and that they meet a minimum standard of data protection in their country.
17.6. You have the right to receive information concerning the personal data we hold about you and to rectify such data where it is inaccurate or incomplete. You have the right to object to or withdraw any consent you have given for certain types of processing such as direct marketing.
17.7. Your data will be retained for 6 years after the end of the provision of services to you, where your data will be destroyed in compliance with the requirements of the General Data Protection Regulation.
17.8. In the event that you wish to make a complaint about how your personal data is being processed by us (or third parties as described in Clause 17.5 above), or how your complaint has been handled, you have the right to lodge a complaint directly with the supervisory authority and our Data Protection Officer.
17.9. Our Privacy Policy provides full details on your rights as a data subject and our obligations as a data controller. Please read this document carefully and ensure you understand your rights.
17.10. The Card Privacy Policy provides full details of how your personal data is processed between and by us and IAGL.
18.1. We may update or amend this Agreement (including our Fees & Limits Schedule). Notice of any changes will be given on our website, or by e-mail notification, or by SMS at least 2 months in advance. By continuing to use the Payment Services after the expiry of the 2-month notice period you acknowledge that you indicate your acceptance to be bound by the updated or amended Terms and Conditions. If you do not wish to be bound by them, you should stop using the Payment Services and terminate this Agreement in accordance with Clause 12 before the changes take effect.
19.1. We may assign or transfer our rights, interest or obligations under this Agreement to any third party (including by way of merger, consolidation or the acquisition of all or substantially all of our business and assets relating to the Agreement) upon 2 month’s written notice. This will not adversely affect your rights or obligations under this Agreement.
19.2. Nothing in this Agreement is intended to confer a benefit on any person who is not a party to it, and no such person has any right under the Contracts (Rights of Third Parties) Act 1999 to enforce any terms of this Agreement, but this Clause do not affect a right or remedy of a third party which exists or is available apart from that Act.
19.3. Any waiver or concession we may allow you, will not affect our strict rights and your obligations under this Agreement.
19.4. This Agreement and the documents referred to in it, constitute the entire agreement and understanding of the parties and supersede any previous agreement between the parties relating to the subject matter of this Agreement.
20.1. All relevant funds corresponding to your Available Balance are segregated from our funds and held in the Customer Funds Account in accordance with the safeguarding requirements of the Electronic Money Regulations 2011 by law. If we became insolvent those funds are protected against claims made by any of our creditors.
21.1. The Payment Services, Card and Account are payment services and not deposit, credit or banking products and are not covered by the Financial Services Compensation Scheme.
21.2. We are advised by the FCA to share information with our UK card and account holders about the service we provide and how we look after your money on your card and /or account. Please follow Prepaid financial services to read the full details.
21.3. This Agreement shall be governed by and interpreted in accordance with the laws of England & Wales, and any dispute or claim in relation to this Agreement shall be subject to the non-exclusive jurisdiction of the English courts. However, if you reside outside of England and Wales you may bring an action in your country of residence.
|
FEES |
British Airways Prepaid Mastercard |
|
Monthly Card Fee |
FREE for first 6 months (£2.99 a month thereafter) |
|
FX Fee (when using currency E-wallet) |
FREE |
|
FX Fee (when NOT using currency E-wallet) |
1.5% |
|
ATM Balance Check Fee |
£0.50 |
|
Domestic ATM Withdrawal Fee |
3 x FREE Monthly Withdrawals up to £300, 2% thereafter |
|
International ATM Withdrawal Fee |
3 x FREE Monthly Withdrawals up to £300, 2% thereafter |
|
Card Replacement Fee |
1 x FREE Replacement Annually, £5 thereafter |
|
Cash Advance Fee which includes the following Merchant Categories: |
2% |
|
Balance Transfer Fee |
£5 |
|
Late Redemption Fee (within 12 months of Account closure) |
Nil |
|
Late Redemption Fee (beyond 12 months since Account closure) |
£20 |
|
LIMITS |
British Airways Prepaid Mastercard |
|
Loading Limits |
|
|
Maximum Top Up Amount Per Day |
£5,000 |
|
Maximum Top Up Per Day |
4* |
|
Maximum Individual Top Up Limit |
£5,000 |
|
Minimum Top Up Limit |
10* |
|
Maximum Prepaid Card Balance |
£8,700 |
|
Daily cash/voucher Load Limit (RPP) |
£5,000 |
|
Monthly Top Up Limit |
£8,700 |
|
Yearly Top Up Limit |
£105,000 |
|
Spending Limits |
|
|
Maximum Daily ATM Withdrawal Amount |
£650 |
|
Maximum Monthly ATM Withdrawal Amount |
£1,500 |
|
Maximum Yearly ATM Withdrawal Amount |
£18,000 |
|
Maximum Monthly ATM Withdrawals |
10* |
|
Maximum Single ATM per Withdrawal Limit |
£100 |
|
Maximum Daily POS Transactions Amount |
£2,600 |
|
Maximum Daily POS Transactions |
£20 |
|
Maximum Monthly POS Transactions Amount |
£2,600 |
|
Maximum Yearly POS Transactions Amount |
£31,200 |
|
Maximum Single POS per Transaction Amount |
£2,600 |
|
Mail Order Telephone Order Limit |
£2,600 |
1. Avios Accrual
1.1. For the British Airways Prepaid Mastercard, 1,500 Avios welcome bonus will be awarded to your BAEC account if you have held your Card for 90 days and have spent a minimum of either £500, $500 or €500 in any one currency within 90 days of activating your Card. ATM transactions do not apply.
1.2. You will be awarded 1 Avios per £2, $2 or €2 spent on your British Airways Prepaid Mastercard.
1.3. Avios are issued and redeemed in accordance with the British Airways Executive Club Terms and Conditions. Detailed information can be found at ba.com/theclubterms.
1.4. You cannot collect Avios on your Card Fee or the following Transaction types:
1.4.1. on any means of digital electronic payment method (including but not limited to Bitcoin or casino money);
1.4.2. on payments of rent for residential or business premises;
1.4.3. on Payments for Court Costs, including Alimony and Child Support;
1.4.4. on Payment of Fines;
1.4.5. on Bail and Bond Payments;
1.4.6. on Tax Payments to the HMRC
1.5. Avios are calculated on the amount of the Transaction and then rounded to the nearest full Avios. For example, if you make a Transaction of £55.99, Avios are earned at the rate of 1 Avios per £2 spend (£55.99 divided by 2 equals 27.99, rounded to the nearest full Avios therefore 28 Avios will accrue).
1.6. The Avios will be debited from your BAEC account for any Transaction using your Card and that you receive a refund for.
2. Fraud and misconduct
2.1. If we think there is suspicious activity on your BAEC account, we may trigger an investigation, during which your BAEC account will be blocked. You will need to contact BAEC Customer Services to unblock your account.
2.2. If your BAEC account is blocked, you will not be able to log in to your BAEC account, the British Airways Rewards App, redeem Avios or Top Up your Card. You will still be able to earn Avios which will be subject to the outcome of any investigation, and you can still spend on your Available Balance on your Card.
2.3. If an Avios fraud case is confirmed, both your BAEC account and your Account will be closed.
3. Lost and Stolen, Missing Avios Process/Contacts
3.1. For any missing Avios queries please contact Customer Services.
4. Payment/Non-payment of Card Fees
4.1. If you have not paid your Card Fee, we reserve the right to deduct the Avios you have accrued which also may result in any redemption bookings made with these Avios being cancelled.
5. Avios Collect on Card
5.1. Your Card is issued as registered to collect additional Avios on qualifying purchases made with participating merchants featured on shopping.ba.com.
5.2. By submitting this application, you authorize Mastercard to monitor your Card to identify transactions that qualify for an Avios reward and for MasterCard to share such information with British Airways, to enable card linked offers and target offers that may be of interest to you. You may opt-out of transaction monitoring on this Card at any time by going to your BAEC account settings at shopping.ba.com.
5.3. Please see the full Terms and Conditions of “Collect on Card” at: shopping.ba.com.