About activating and spending with my card

Do I need to activate my card as soon as I receive it?

Do I need my PIN when using my card?

How do I buy over the Internet with my card?

How do I buy on the high street with my card?

What happens if I need to return something I buy with my card?

What is a pre-authorisation?

Why is my account balance sometimes different from the money available to spend?

What happens if there is insufficient balance to pay fees?

 

Do I need to activate my card as soon as I receive it?

Yes. For security reasons it is important that you activate your card immediately upon receiving it. Call 0333 4569569, you will need the activation code from your welcome letter to complete the process. You will then be provided with your PIN (Personal Identification Number) which is a 4 digit number that you must ensure you remember. Once verified your card is immediately activated and ready for use. Please ensure you sign the reverse of your card in the signature panel.

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Do I need my PIN when using my card?

Yes, you will need to use your 4 digit PIN when shopping on the high street as with all Chip and PIN cards.

Note that a few retailers however may still use signature verification.

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How do I buy over the Internet with my card?

Shop anywhere the Maestro® acceptance mark is displayed. Millions of shops accept Maestro® in the UK on the high street or the Internet.

If you have been given a restricted card, you will only be able to use your card in the UK for GBP transactions and there will be some restrictions in functionality. Please refer to the terms and conditions for the full details.

    

When completing your online transaction, select Maestro® as the payment option. Be aware that during the payment process you may be asked for the following items that are found on your card:

  • Your name as it appears on your card.
  • The card number (the 16 digit number on the front of the card).
  • The valid from or start date (on the front of the card).
  • The expiry date (on the front of the card).
  • The last 3 digits on the signature panel on the reverse of the card, either called CVV, CV2 or Security Code.

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How do I buy on the high street with my card?

Shop anywhere the Maestro® acceptance mark is displayed.

If you have been given a restricted card, you will only be able to use your card in the UK for GBP transactions and there will be some restrictions in functionality. Please refer to the terms and conditions for the full details.

To pay with your card, simply present it at the time of payment and enter your 4 digit PIN number when requested as with all Chip & PIN cards.

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What happens if I need to return something I buy with my card?

In the event that you need to return an item purchased using your card, the merchant will handle the return in accordance with their refund policy. They may credit your card with the value, issue a voucher or offer you replacement goods of a similar value.

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What is a pre-authorisation?

A pre-authorisation is carried out when a merchant reserves funds on a card to ensure payment of services. For example, a restaurant may pre-authorise a set amount when you open a tab at the bar. If your final bill is less than the pre-authorised amount, then it may take a while for you to receive the balance as a refund to your account. To be sure that your account operates well with such merchants and that your transaction is accepted, we recommend that you always keep a minimum £10 balance on your card.

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Why is my account balance sometimes different from the money available to spend?

When you buy on the Internet, some merchants reserve a minimum amount to verify your card details or take some time to clear the transaction and it might take a few days for the amount to be released back to us. The minimum amount corresponds to the difference between what you have available and your account balance.

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What happens if there is insufficient balance to pay fees?

It is your responsibility to ensure that there are sufficient funds on your card to cover the fees. If there are insufficient funds on the card then transactions will be declined and the card may be blocked for further usage.


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