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Terms & Conditions
for your prepaid card

1. The card

1.1 These terms and conditions apply to any holder of this card (‘the card’). By using your card you are demonstrating your agreement to these terms and conditions.

1.2 The card is promoted by HD CARD SERVICES Ltd, registered office: 33 Cavendish Square, W1G 0PW, London, United Kingdom (co-brand partner). This card is issued by Wirecard Card Solutions Limited (‘WDCS‘ or ‘the issuer‘), registered office: 3rd Floor, Grainger Chambers, 3-5 Hood Street, Newcastle upon Tyne, NE1 6JQ, registered in England No. 07875693. WDCS is authorised and regulated in the U.K. by the Financial Conduct Authority to issue e-money (Firm Reference Number: 900051).

1.3 Your card is denominated in EUR. All references to that currency in these terms and conditions are relevant to you.

1.4 These terms and conditions are available online at You can request a copy of these terms and conditions at any point in their duration.

2. Definitions

2.1 In these terms and conditions, the following words and phrases have the meanings shown next to them:

  • ATM – means automatic teller machine or cashpoint facility or cash dispenser;

  • Business day – means a day between and including Monday to Friday, between 9 a.m. and 5 p.m. (German time) except for public holidays in Germany;

  • Card – means your epay card Prepaid Mastercard®;

  • Card scheme – means Mastercard

  • Fees – a variety of charges that can be raised for purchase and ongoing use of the card;

  • PIN – means personal identification number i.e. the security number provided for use with the card;

  • POS – means in-store merchants, who are accepting Mastercard® cards

  • Purse value – means the maximum value of funds that can be held with the card any one time;

  • SEPA – means “Single Euro Payments Area” – means the Euro-zone;

  • Supplier – a retailer, merchant or other supplier of goods and/or services which accepts payment by means of a card, card number, PIN or card and signature;

  • Summary Box – The section that includes notification of charges, limits and restrictions associated with the card;

  • Supplier’s bank – the merchant acquirer used by the supplier for the purposes of receiving payments arising from transactions.

  • epay card Prepaid Mastercard® – means a card with the features set out in condition 3. and 17.;

  • Verification of identity – means confirming your personal identity and address by conducting electronic verification of your details or by you providing documentation of identity;

  • We/us/our – means the issuer or the co-brand partner acting on our behalf;

  • Year – 12 month period following the date when you have activated the card and each subsequent 12 month period.

  • You/your – means the person or persons who have received the card and are authorized to use the card as provided for in this Agreement;

3. Loading the card

3.1 You have to activate your card on first, before you can load it. The table below sets out the limits by which you can load up your card.

Card limits
Identification level 1 (Online-Registration)
Identification level 2 (Verification of Identity)
Minimum single upload5.00 €5.00 €
Maximum single upload100.00 €4,000.00 €
Maximum balance on card100.00 €4,000.00 €
Maximum monthly upload amount100.00 €9,000.00 €
Maximum yearly upload amount1,200.00 €36,000.00 €
Daily withdrawal limit ATM20.00 €400.00 €
Monthly withdrawal limit ATM20.00 €9,000.00 €
Yearly withdrawal limit ATM240.00 €36,000.00 €
Daily limit POS100.00 €4,000.00 €
Monthly limit POS100.00 €13,000.00 €
Yearly limit POS1,200.00 €36,000.00 €
Daily number of fund loads55
Monthly number of fund loads4090

[1] At KYC Level 1, the card should be used at POS outlets in Europe, and at ATMs domestically (Germany) only.

[2] To obtain verification of identity, you must complete an identification and verification process in accordance with local law. This option is available to you once you have purchased a card and activated it on Once you have logged in on the website, you will learn about the process and which steps to complete.

3.2 To load your card, you must use a bank account or payment account of a payment institution, either direct or via Sofortüberweisung or giropay to send a payment to the IBAN of your epay card bank account.

3.3 The time that it takes for your card balance to be updated when you load your card depends on the method that you use and the time that it takes for the funds to be sent. If we receive the funds on a business day, your card will be updated with the amount on the same business day. If we receive the funds on a day that is not a business day, we will update your balance on the next business day. You can check the transfer time with your bank.

3.4 When funds are loaded onto your card, the balance will be shown in the same currency as that of your card (EUR). The currency you have used to load your card may be different to that of the card. Your online statement will show the exchange rate used which applied on the date that the card was loaded. Exchange rates may change and the exchange rate which applies when you check may not be the exchange rate that was used to convert your funds to load your card.

4. Use of the card

4.1 The card is a prepaid product which can be used to pay for goods and services at retailers that display the Card Scheme symbol. To use the card, present it at the time of payment. Use it in full or part payment of your purchase.

4.2 When you have purchased your card, you must activate your card online at

4.3 You must not make purchases that exceed the balance of funds available on the card. Your balance will be reduced by the amount of each purchase you make. If any purchase takes you over your available funds or the card limits in force from time to time and set out in condition 3 and 17 (e.g. monthly spend limit) the transaction will be declined.

4.4 You can use the card to make purchases in-store, via the internet or over the phone. The card can be used to obtain cash through ATMs only with proof of identity. There is no cash back facility. This is not a debit card supported by a bank account, and is not in any way connected to a bank account. It is also not a guarantee card, charge card or credit card. You will not earn any interest on any funds loaded on to the card.

You must not use the card for:

4.4.1 pre-authorised regular payments;

4.4.2 transactions at self-service petrol pumps, taxis/ cabs, parking and garages;

4.4.3 transactions for cash (other than ATM withdrawal) including for example cash back, cash from a bank, money orders, traveller’s cheques, foreign exchange, or bureau de change, or

4.4.4 any illegal purposes.

4.5 Your card cannot be used in situations where it is not possible for the supplier to obtain online authorisation that you have sufficient balance for the transaction. For example: transactions on trains, ships, and some in-flight purchases.

4.6 We may stop, suspend or restrict your card or PIN on reasonable grounds relating to:

4.6.1 the security of your card, card number or PIN, and

4.6.2 the suspected unauthorised or fraudulent use of your card or PIN. We will, if possible, inform you before stopping, suspending or restricting your card or PIN that we intend to do so and the reasons for doing this. If we are unable to do so then we will inform you immediately afterwards. The requirement to inform you does not apply where it would compromise reasonable security measures or it would be unlawful to do so.

4.7 We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with the card. We are not liable for the failure of any supplier to honour the card.

4.8 We will not issue the card under these terms and conditions to anyone under the age of 18 years old.

4.9 This card is issued to residents of Germany only.

4.10 The text on the back of the card under the magstripe is void. The amended version that forms part of these terms and conditions now reads:

Please handle your card with care, as you would do with cash, and keep it safe. You will find further information’s to your epay card on This card is issued by Wirecard Card Solutions Ltd. pursuant to licence by MasterCard International.

5. Transactions

5.1 You agree that any use of your card, card number or PIN constitutes your authorisation and consent to a transaction.

5.2 The time of receipt of a transaction order is when it is received by us. If a transaction order is received after 5 p.m. on a business day then it will be deemed to have been received on the next business day. If receipt does not fall on a business day then it will be deemed to have been received on the next business day.

5.3 You cannot stop a transaction after it has been transmitted to us by giving your consent to the transaction, or once you have given your consent to the supplier for a pre-authorised payment.

5.4 We may refuse a transaction or suspend or terminate the right to top up your card. We may do this if the relevant phone or computer link is busy. We may also do this if:

5.4.1 a transaction might take you over your available funds on the card; or

5.4.2 a transaction might take you over any of your card limits, which are set out in condition 17; or

5.4.3 We reasonably believe that we need to do so to keep to the rules of the payment system under which your card is issued, or

5.4.4 We reasonably believe that there are needs to do so to comply with any law or as a matter of good practice.

6. Foreign currency transactions

6.1 The card can be used for transactions which are not in the currency of the card (EUR) although a fee will be applied for doing so.

6.2 If you make a transaction in a currency other than the currency of the card (EUR) we will change the amount into the currency of the card at the wholesale market rate or any rate that a government may set. We will charge a service charge (commission), see Summary Box.

6.3 Exchange rates may change, and the exchange rate, which applies on the date that you make your transaction may not be the same as the exchange rate we use on the date that we convert the transaction charge and deduct the service charge from your balance. The exchange rate applied will include this service charge. Your online statement will show the exchange rate and service charge.

7. Checking your balance

7.1 To check the available balance on your card or to review your transactions visit, 24 hours a day.

8. When your card expires

8.1 The card’s expiry date is printed on the card. You must not use the card after its expiry date and you will not be able to reload it.

9. Redemption

9.1 If we have proof of identity from you, you can redeem all or part of your balance up until the date that is 6 years after the expiry date shown on your card. We will transfer any redeemed funds into a bank account which is in your name. We may request proof from you of the account name.

9.2 You will be charged a fee (see Summary Box) to cover redemption costs on each occasion that you redeem if you redeem all or part of your balance at the following times:

9.2.1 where redemption is requested before termination of the contract;

9.2.2 where the e-money holder terminates the contract before any agreement termination date; or

9.2.3 where redemption is requested more than one year after the date of the termination of the contract.

9.3 You will be reminded of this fee before redemption. Please note that if your balance is equal to or less than the amount you want to redeem in the circumstances listed above, the fee will equal your balance which will be reduced to zero.

9.4 You will not be charged a fee for redemption if:

9.4.1 we terminate this agreement, or

9.4.2 if the request for redemption is at termination of the contract or up to one year after that date.

10. Liability

10.1 You must sign your card as soon as you have purchased it and keep it safe. You must always make sure that you:

10.1.1 do not allow anyone else to use your card;

10.1.2 do not reveal your PIN and never write down your password(s), PIN or any security information you have given us unless you do this in a way that would make it impossible for anyone else to recognise any of that information;

10.1.3 only release the card, card number or PIN to make (or try to make) a transaction, and

10.2 If your card is lost or stolen or someone else finds out the PIN or if you think your card, card number or PIN may be misused, you must:

10.2.1 stop your card by calling the free of charge number 0800 02 25 140 (for calls outside of Germany please call 0049 89 1250 9105. Additional fees may apply) and sending us an email with details to what happened with your card. We will get in touch with asap.

10.2.2 if we ask, write to us within seven days to confirm the loss, theft or possible misuse (the address is HD CARD SERVICES Ltd., 33 Cavendish Square, W1G 0PW, London, UK), or email as at service[at] and

10.2.3 stop using the card, card number or PIN immediately. If you find the card after you have reported it lost, stolen or misused, you must cut it up and tell us as soon as you can.

10.3 If your card is lost or stolen, once you have reported it you can request a replacement by sending us an email to service[at] We will charge a fee for the replacement card. This is set out in the Summary Box.

10.4 You may not be liable for any use of the card, card number or PIN by another person who does not have your permission to use it or if it is lost, stolen or destroyed, unless:

10.4.1 you agreed to that person having your card, card number or PIN, or through gross negligence or carelessness, failed to comply with condition 10.1, in which case you may be liable for any use that occurs before you tell us in accordance with these terms and conditions, or

10.4.2 you acted fraudulently then, to the extent permitted by law, you may be liable for misuse of the card, card number or PIN.

10.4.3 You may only be liable to the maximum of 75.00 EUR equivalent resulting from transactions arising from the use of a lost or stolen card or from the misappropriation of the payment instrument where the cardholder has failed to keep security features of the card safe. The 75.00 EUR equivalent liability limit is applicable to each instance of loss, theft or misappropriation and not each transaction.

10.5 If your card is used without your permission, or is lost, stolen or if you think the card may be misused, we may disclose to law enforcement agencies, any information which we reasonably believes may be relevant.

10.6 We will not be liable:

10.6.1 for any abnormal or unforeseeable circumstances outside our reasonable control (for example, a failure of computer systems which happens for reasons outside our reasonable control or any industrial action which happens for reasons outside our reasonable control) if this prevents us from providing its usual service;

10.6.2 for any person refusing to accept or honour (or delays in accepting or honouring) your card, card number or PIN, or

10.6.3 for any cash dispenser retaining your card.

10.6.4 If you lose your card or your card is stolen. We will not pay the card replacement fee for you. A card replacement is subject to the fees listed in condition 17. Summary Box.

10.7 In case of errors or disputes about transactions, email us at service[at]

11. Altering these terms and conditions

11.1 We may change any of these terms and conditions, including fees and charges, or introduce new terms. If we make any changes, we will give 2 months prior written notice to you by email.

11.2 If we change these terms and conditions, the new terms and conditions will be available at from the date the change takes place.

11.3 You will be deemed to have accepted any change to these terms and conditions unless you notify us of any objection before the proposed date of the change.

11.4 Between receipt of the notice and the proposed date of change, if you notify us that you do not accept the change, this agreement will terminate immediately and subject to condition 9.4.2 you can redeem your total balance at that time without charge.

12. Ending this agreement

12.1 We may terminate this agreement at any time. Unless there are exceptional circumstances we will give you 2 months’ prior written notice.

12.2 You can terminate this agreement by sending us an e-mail at service[at], subject to conditions 11, 13 and 14 if you do not redeem your full balance within 6 years of your card’s expiry date, this agreement terminates.

13. General

13.1 By entering into this agreement you agree that we may use your information in accordance with the ‘How we use your information’ section of these terms and conditions, as set out in condition 16.

13.2 We may monitor and/or record telephone calls between you and us or service providers.

13.3 You must provide us with your name, date of birth, e-mail and postal address and a mobile phone number and let us know of any changes.

13.4 We may transfer our rights or obligations under this agreement or arrange for any other person to carry out its rights or obligations under this agreement. You may not transfer any of your rights or obligations under this agreement.

13.5 We can delay enforcing its rights under this agreement without losing them.

13.6 If we cannot enforce any paragraph, condition or part of a paragraph or condition under this agreement, it will not affect any of the other paragraphs, conditions or the other part of the paragraph or condition in this agreement.

13.7 This agreement is governed by the law of England and Wales. Compulsory provisions of local consumer protection laws remain applicable. The language of this agreement is English. We will try to give all notices and information under this agreement in German, but if this option is not available, then they will be in English.

14. Payment services information

14.1 This condition 14 only applies if the supplier’s bank is located within the European Economic Area (EEA) and the payment services being carried out are transacted in Euro (EUR), or another currency of an EEA member state.

14.2 We will ensure that a transaction you make is credited to the supplier’s bank, or that returned funds following redemption or cancellation are credited to your bank within these timescales:

Type of TransactionTimescale

Any EUR transactionBy the end of the business day following the day on which the transaction order is received

Transaction carried out in a currency other than Euro (EUR)By the end of the fourth business day following the day on which the transaction or order is received

14.3 If you use your card or provide your card details to a supplier to make a transaction before you know the amount which is going to be charged to your card, then you may be entitled to request a refund if the amount is unexpectedly large, provided that you tell us within eight weeks from the date the transaction is deducted from your balance but you will NOT be entitled to a refund if you have been told by us, or the supplier, of the amount of that transaction at least four weeks before the transaction is due to be deducted from your balance, and you consented to the transaction.

14.4 On receipt of such a request under condition 14.3, we may require you to provide us with the information to ascertain whether the conditions in condition 14.3 have been met. Within 10 business days of receiving a request from you under condition 14.3 or of receiving any additional information required under this paragraph, we will provide a refund or justify why we are refusing the request.

14.5 We are liable for the correct execution of the transaction unless we can prove that the transaction was received by the supplier’s bank, in which case the supplier’s bank is liable to the supplier. You may request that we make immediate efforts to trace an incorrectly executed transaction and notify you of the outcome.

14.6 When a supplier initiates a transaction it is the supplier’s bank which is liable for the correct transmission of the relevant details to us. If the supplier’s bank can prove that it is not responsible for a transaction which has failed or has been incorrectly executed, we will be responsible to you.

14.7 If we are responsible for an incorrect amount of a transaction being deducted from your balance, we will correct the error. If we are responsible for a transaction being deducted from your balance which you did not authorise, we will refund the amount of the transaction to your balance and treat the transaction as if it had never occurred. You must inform us of an unauthorised or incorrect transaction as soon as possible and in any event no later than 13 months after the debit date. If you do not do so, we may not be liable.

14.8 We are not liable if you incorrectly identify the supplier under a transaction. In such a case, we will make reasonable efforts to recover the funds involved.

15. Complaints and how to contact us

15.1 This co-brand is managed by HD CARD SERVICES Ltd. If you would like to make a complaint, or contact us for any other reason connected to these terms and conditions please e-mail us at support[at] We have procedures in place to make sure that we handle your complaint fairly and quickly. However, if you are not satisfied with the outcome of your complaint, you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom; email on, or call on +44 20 7964 0500 (international rates apply).

16. How we use your information

16.1 We will search your record at credit reference and fraud prevention agencies. These searches are to check your identity and we do not carry out full credit reference checks or credit scoring for this purpose. We will use an automated decision-making system to assess your application and may utilise a certified 3rd-party service provider to verify your identity.

16.2 If we are unable to verify your identity adequately, we may ask you to provide some documentary evidence to help confirm your identity and address.

16.3 Credit reference agencies may check the details you supply against any particulars on any database (public or otherwise) to which they have access. An unrecorded enquiry will be made. An unrecorded enquiry is a search that was not made for lending purposes. It cannot affect your credit rating or score when you apply for credit. It is not seen by lenders other than the one that carried out the search. It is included on your credit report so you know the search was made but does not affect your credit rating, or score, when you apply for credit.

16.4 If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information.

16.5 The fraud prevention agencies will share records with other organisations. We and other organisations may access and use the information recorded by fraud prevention agencies overseas.

16.6 Please email us at service[at] if you would like to have details of those credit reference and fraud prevention agencies. You have a legal right to these details.

16.7 You have certain rights to receive a copy of any information we hold about you. Please write to: HD CARD SERVICES Ltd., 33 Cavendish Square, W1G 0PW, London, UK. We may charge you for this service (see Summary box).

16.8 Some information held by credit reference and fraud prevention agencies will be disclosed to us and other organisations to, for example:

16.8.1 prevent fraud and money laundering, by checking applications for credit, credit-related or other facilities, proposals and claims for all types of insurance, job applications and employee records, and to verify your identity.

16.8.2. The information held by these agencies may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998 and/or any compulsory local consumer protection laws.

16.9 We may use the following types of information about you:

16.9.1 information you give us or we already hold about you, including any phone number you call us from, which we may record;

16.9.2 information we receive when making a decision about your application or agreement, including information we receive from enquiries and searches made in your name with credit reference and fraud prevention agencies;

16.9.3 information (including details of payments and transactions) we may hold about any managed account or policy which you hold with or through us, and

16.9.4 information we receive from anyone who is allowed to provide us with information about you.

16.10 We will process, use, manage, control, release and record information about you to:

16.10.1 search credit reference and fraud prevention agencies’ records (including information from overseas) to manage your account;

16.10.2 manage your accounts and policies, and manage any application, agreement or correspondence you may have with us;

16.10.3 carry out, monitor and analyse our business;

16.10.4 contact you by post, by phone, by e-mail or in another way about other products and services which we consider may interest you – if you have given us permission to do so;

16.10.5 fight fraud, money-laundering, terrorism and other crimes, and

16.10.6 keep to any laws or regulations in any country.

16.11 We may reveal information about you:

16.11.1 to any person working for us or our co-brand partner or our customer service partner;

16.11.2 to fraud prevention agencies;

16.11.3 to any organisation, which backs any of our products which you hold;

16.11.4 to any payment system under which we issue your card;

16.11.5 if a payment is processed through a worldwide payment system, to certain authorities in order to detect and prevent terrorism (including authorities outside the U.K. or Germany);

16.11.6 to any person to whom we transfer any of our rights or obligations under any agreement we may have with you, and

16.11.7 to anyone you authorise us to give information about you to.

16.12 Processing your information, as described above, may involve sending it to other countries outside of the EEA including the United States of America. In such circumstances we are responsible for making sure that your information continues to be protected.

16.13 We will keep information about you for only as long as we need to or is required to meet legal obligations.

17. Fee overview

This table summarises key product features and information and is not intended to replace the terms and conditions of the product. The fees’ limits and restrictions that apply to each card are set out below.

One time and recurring fees
Initial issuing fee29.95 €
Shipping fee4.95 €
Yearly fee – first + second year0.00 €
Yearly fee – subsequent years7.95 €
Monthly fee for allocation of payment functionality
(after 6 month)[3]2.50 €
Card loading
Bank transfer/SEPA0.00 €
SOFORT Überweisung2.50 €
Giropay2.50 €
epay voucher4.0% of loading value
Cash withdrawal
ATM Euronet Germany3.50 €
ATM domestic (There may also apply ATM surcharges)3.50 €
ATM abroad (There may also apply ATM surcharges)3.50 €
Other Fees
Replacement card10.00 €
Identification Level Upgrade (KYC)9.99 €
Failed loading[4]4.99 €
Chargeback request [5]25.00 €
PIN mail
(original PIN lost)3.50 €
Postal return10.00 €
Email notificationsfree
SMS notifications0.29 €
Unblocking a blocked card[6]7.50 €
Cancelling Card/Closing Account[7]10.00 €
Fee for use abroad0.00 € in SEPA area 2.5% if currency exchange is involved

[3] This fee is not applicable for every calender month, the following conditions are complied: cardholer has used his card in between 6 months before the relevant payment month minimum one time with the intention of payment.

[4] Fee is applied in the case of an authorised load, that overdraws or underdraws the limits of loads.

[5] Funds relating to a chargeback can only be redeemed once or if you have completed the KYC 2 process. Upon completion the funds will be credited to your card.

[6] If a card is misused by a customer, the card will be blocked temporary. After clarification the card can be unblocked and for unblocking the card this fee may be charged.

[7] Any balance left on the card can only be redeemed to a German bank account in your own name.