About topping up my card

How can I top up my card?

How long does it take for my money to be available on my card after I have topped up?

How do I top up my card at a Post Office® branch or PayPoint outlet?

How can cards be topped up using a PayPoint e-voucher?

How can cards be topped up by direct transfers?

Are there any minimum or maximum limits that I should be aware of?


How can I top up my card?

Your card can be topped up in the following ways:

  1. With cash by taking your card to any Post Office® branch or PayPoint outlet in the UK.
  2. If you don't have your card with you and you want to top up you can buy a 360money e-voucher from any PayPoint outlet. Then simply visit the website, login to My Account and follow the instructions to top up your card. Friends and family can also buy e-vouchers for you! Click here to find the nearest PayPoint location.
  3. Online with a credit or debit card by logging in to My Account and selecting the Top up option from the menu. Credit/debit card top ups are not available to restricted cardholders.
    Please note that cards must be Mastercard Secure Code or Verified by Visa registered. See the How to top up page for details.
  4. By direct fund transfers. You can set up one off transfers or standing orders from any bank account to your card account. You can also have your wages paid directly from your employer. See the How to Top up page for more details.

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How long does it take for my money to be available on my card after I have topped up?

PayPoint card top up

Immediately

PayPoint e-voucher

As soon as you enter your e-voucher number online

Post Office® card top up

One business day (Monday - Friday)

Credit/Debit card top up
Two business days
Direct transfers

(bank account or wages)

Within 4 days of the payment clearing in our account

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How do I top up my card at a Post Office® branch or PayPoint outlet?

If you want to top up your card using cash then visit your nearest Post Office® branch or PayPoint outlet and ask to top up your card:

  1. Hand over your card. Request and pay for your required top up amount.
  2. Your card will then be swiped and topped up instantly.
  3. Remember to ask for your receipt when the transaction is completed.

Note: A minimum top up of £5 applies at Post Office® branches & £10 at PayPoint outlets. A maximum top up limit of £500 applies.

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How can cards be topped up using a PayPoint e-voucher?

To top up without a card, visit any PayPoint outlet and purchase a 360money e-voucher. Friends and family can also buy e-vouchers for you!

  1. Print off this coupon (optional)
  2. Visit any PayPoint outlet (present the coupon if you have printed one), ask and pay for a 360money e-voucher for the required amount.
  3. Keep the e-voucher you receive to use later to complete the top up over the Internet.
  4. To top up your card visit My Account at www.quiditycard.com and enter your e-voucher number when requested.

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How can cards be topped up by direct transfers?

You can top up your card from any bank account or have your wages paid directly from your employer.

  1. To have your wages paid directly from your employer all you have to do is:

    • Print off this form
    • Complete the form and give it to your employer

      Your wages will be transferred directly to your card within 4 days - for FREE!

      We recommend you ensure that your card has no yearly spending and cash withdrawals limits before you set up a wage transfer. If your card has limits on total spending and ATM use you will need to provide us with documentation as instructed on the reverse of the welcome letter you received with your card. For more information please see the Upgrading My Card section of these Help pages.
  2. To top up by bank transfer or standing order you will need to contact your bank to set up the transfer. If you have a restricted card, please make sure that any transfers fall within the maximum limits, or upgrade your card beforehand. You will need the following information:

    • Payee/Recipients Name:
    360money Direct Deposit
    • Account Number:
    80212458
    • Sort code:
    20-03-53
    • Payment Reference:
    The 14 digit account number on the back of your card


You must include the account number found on the back of your card as the payment reference.This is the 14 digit number starting with 1426 that can be found in the top right hand corner on the back of your card (see image below).

Note: We will not be able to transfer the funds to the cardholder if you do not enter the 14 digit account number correctly and in full.
Transfers may take up to 4 working days to reach your card once cleared in our account.

Please see the How to Top Up page for more details

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Are there any minimum or maximum limits that I should be aware of?

Yes, please see table below.

Limits

Minimum cash load amount

£10

Minimum Credit/Debit card load amount £20

Maximum load amount
• Post Office
• PayPoint


£500

Credit/Debit card daily load limit £500

Card balance limit at any one time

£3,500

Recommended minimum balance on your Quidity™ card

£10

Max value ATM withdrawal (if applicable)

£250

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