About upgrading restricted cards

What is a restricted card?

Why would a card be restricted?

How do I upgrade to an unrestricted card?

Do I have to upgrade my card?

Do I need to pay to upgrade my card?

How will I know if my card has been upgraded?

What is a restricted card?

A restricted card has a total spending limit of £3,000 per year (12 months starting on first Transaction) of which you can spend £1,000 per month. The maximum balance and monthly load limit on a Restricted Card is £1,000, subject to yearly spend limit. You may withdraw cash from ATM for a maximum value of £100 per day and an annual withdrawal limit of £1000. The Restricted Card can be used at any UK Merchants.

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Why would a card be restricted?

When you apply for your Quidity™ card we are required to undertake an identity check. In some cases, we may need a little more information from you before we can give you an unrestricted card.

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How do I upgrade to an unrestricted card?

If you want to upgrade your card, you will need to send us 2 identity documents from the table below.

These documents should be sent to 360 Money Customer Services, PO BOX 3883, Swindon, SN3 9EA.

Please note:

  • The documents you supply must match the personal details that you provided when the application was processed e.g. name, date of birth, address.
  • If you supply a passport, drivers licence, or national ID card it must be within the expiry date.
  • If you supply a utility bill, bank statement or insurance certificate these must be dated within the last 3 months.
  • Documents supplied must be legible. Any unclear, illegible copies cannot be accepted.
  • If you are under 18 and are unable to provide the required identification you can supply a photocopy of your signed passport and get your parents or guardian to supply one form of identification from Column B.

You must provide one document from column A and one from column B from the blank boxes e.g. from the boxes that are not shaded. The 2 documents must be from different columns and you can not use the same document twice.

Documentation Type required Column A Column B
Passport Photocopy
IND Application Registration Card Photocopy

Driving Licence - full UK

Driving Licence - full UK photo card

You can use your Drivers Licence once as either a column A or B document.

Photocopy
Driving Licence - overseas Photocopy
National Identity card Photocopy

Government employers identity card

e.g. armed forces identity card, police warrant card, NHS, HMRC

Photocopy

Benefits Agency/ Local Authority letter - confirmation of benefits

You can use a letter once as either a column A or B document.

(dated within the last 3 months)

Original
Residence Permit Original
Letter from a known employer

(dated within the last 4 months)

Original

Letter from a university, college or known language school

(includes acceptance letters from UCAS)

Original
Council tax bill Original
Gas, electricity or water bill Original
Landline telephone bill Original
TV, satellite or cable bill Original
Bank, building society or credit card statement Original
Home or motor insurance certificate/ schedule Original
Tenancy agreement or rent book Original
Vehicle registration document

(dated within the last 12 months)

Original
NHS Medical Card (under 18s only) Photocopy

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Do I have to upgrade my card?

No. You are free to use your card now, and you can spend up to £3,000 per year (12 months starting on first transaction) of which you can spend £1,000 per month. The maximum balance and monthly load limit on a restricted card is £1,000, subject to the yearly spend limit. You may withdraw cash from ATMs for a maximum value of £100 per day, and an annual withdrawal limit of £1,000. You only need to upgrade your card if you think you will need to spend more than this. Please note though, that we may require you to provide your documents within 12 months of having a restricted card if you wish to carry on using your card.

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Do I need to pay to upgrade my card?

No, there is no fee for upgrading your card.

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How will I know if my card has been upgraded?

We will inform you by letter of your successful upgrade and return any original documents that you sent to us. You should receive notification within 10 working days of us receiving your documentation.

If any of the documents you supplied were insufficient to complete your card upgrade we will contact you and request further documentation.

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