Apply online for a Rationalfx(euro or dollar) Currency Card, issued by Newcastle Building Society
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your rationalfx prepaid card application"
Rational Travel Money Card
Your Rational Travel Money Card is a prepaid MasterCard® that works just like a debit card. Loading funds is as easy as topping up a Pay As You Go mobile phone. It can be topped up online at any time on our website, over the phone or by SMS.
The card is useful for business travel, holidays abroad or any other overseas spending.
Rational Travel Money Card is easy to use and makes spending money abroad safer and more convenient.
With your Travel Money Card you can enjoy all the benefits of a MasterCard® Card with no credit check, no interest payments and no surprises. You can use it almost anywhere in the world (wherever you see the MasterCard acceptance mark).
RationalFX is one of the UK’s leading and fastest growing independent foreign exchange companies helping thousands of individuals and businesses to achieve significantly better foreign currency exchange rates.
Safe and secure online application with SSL encryption technology.
Get your rationalfx prepaid mastercard and enjoy the benefits today.
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.
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No one likes to pay more than they need. So we have come up with some great tips so you get the very best out of your Rational Travel Money Card.
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What is a Prepaid Card? A prepaid card is a payment card that works a bit like a pay as you go mobile phone. You load it with money and can only spend what you’ve topped it up with. The card is personalised with your name, a chip and PIN and unique card number, so you can use it anywhere you see the acceptance mark – in shops, on the internet, here and abroad. You can check your card balance online and via SMS. You can also view full details of all transactions online. How is the Prepaid Card different from a debit card and a credit card? A Prepaid card is not a debit or a credit card – so there is no credit check, even if you have poor credit history you can still get a card! When you use your Prepaid card, you are spending money you have already topped up into your prepaid card, meaning all your purchases are prepaid. The Prepaid card is a payment card that works like a pay as you go phone – you need to put money on it before you can use it. When you use a debit card, you are using money linked to a bank account and when you use a credit card you buy now and pay later. With a prepaid card you only spend the money you have loaded on your card. Do I need a bank account to get a card? No, you do not need to have, or open, a bank account to get a card. Can I change my PIN? It makes good sense to change the PIN from the one you are initially issued with to one that is easy to remember. This is easily done at most cash machines in the UK or Internationally, Please ensure that the machine displays the Acceptance Mark for your card. All you do is insert your prepaid card and enter the PIN you were issued with. If the PIN change option is on offer at the cash machine you are using, the instructions will pop-up on the screen. Are there any Card retail outlets where I won’t be able to use my card? You may not be able to use your prepaid card if a retail outlet is unable to obtain authorisation for the spend you wish to make. Prepaid cards may also not be accepted for the hire of a car. This may be due to the extended time period that can occur when a transaction is authorised and when funds are deducted from your card or because of the difference that can occur between the amounts authorised and the amount subsequently claimed. What do I do if I want to return something I have bought? Each retail store has its own return policy and will handle returns as they would with any other transaction. They put the money back on your card, give you a cash refund, or a store credit. What if I want to cancel a transaction or Card authorisation? If you decide to cancel a transaction that has already been authorised, it may take a few days before your funds can be cleared for use on your card again. In the meantime, you won’t be able to use those funds for other transactions Do I receive a statement? You will not receive a paper statement, however, you can view your current balance and recent transactions online FREE of charge by logging into your account. How can I check my balance and transactions? You can check your balance and transaction history online for FREE! Alternatively you can call Customer Services. To check your balance using your mobile phone, just text BALANCE followed by a space and the last 4 digits of the card number on the front of your card to the number displayed on the contact us page. Your card balance will then be returned to you by text. SMS service fees may apply. If you are using a pre-pay mobile phone, please make sure you have enough credit before texting. The mobile phone you use must have the same number as used on your prepaid card application. If your phone number changes or you didn’t include a mobile phone on your application, please contact us from the "your details" section of the account maintenance functions. Do I need a minimum balance when I use my card? In some circumstances, you may need a minimum balance on your Prepaid card for your card to be accepted. Why might a transaction be declined? On rare occasions, when a merchant cannot go online and check with us how much money you have on your card, your transaction may be declined What is a pending transaction? Like debit and credit cards, a transaction is pending when a merchant or retailer requests confirmation that you have funds available for the transaction. We have confirmed that you had the funds available and we are holding them for the merchant or retailer to process the transaction. We hold them up to 15 days for the merchant to confirm the transaction. If the transaction is not confirmed by the merchant within this timeframe the funds will be released back to your available balance. It will appear as "pending" when you view your statements online. If you want to cancel a pending transaction or have any questions about the transaction please contact the merchant directly as they will have to cancel it. Will I have to pay any interest? There is no interest to pay and no late payment fees on your prepaid card. It is not a credit card so you can not usually exceed the funds you have on your card. All fees and charges applying to your card are set out in the terms and conditions. Will I earn interest on my Prepaid Card? You will not earn any interest on any funds loaded on your Prepaid card. What happens when my Prepaid Card expires? If your card still has funds on it and in good standing, we will automatically send you a replacement card one month prior to the expiry date of your current card. If you do not receive the replacement card, please contact our Customer Services team on the number listed on our contact us page to request a replacement. You will not lose any funds on your card if you do not receive a replacement card before your prepaid card expires. Please see the terms and conditions for more information. How do I cancel my card? If you want to cancel your card, just call our Customer Services team What do I need to do if any of my personal details change? You must let us know as soon as possible by logging in and using the 'Your Details' facility on the website if you change name, address, phone number or e-mail address. If we contact you in relation to your Prepaid card, for example, to notify you that we have cancelled your Prepaid card or to send you a refund by cheque, we will use the most recent contact details you have provided to us. Any e-mail to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not told us. 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. What happens if I forget my password to the members area? Just give our Customer Services team a call and we will assist you in creating a new password to access your information online. Can I get a card even if I have been made bankrupt or have any County Court Judgments? Yes. No credit checks are required to apply for a reloadable upgrade Can I use my card straight away? After you have activated your card and loaded funds, you will be able to use your card to shop online and over the telephone. Once you have retrieved your PIN you will be able to shop in-store and withdraw cash from an ATM. How will I get my PIN? You can retrieve your PIN via our IVR (automated telephone system). Full instructions will be given at the time of activation. How can I check my balance and transaction history? We give you the freedom to help control your money, 24 hours a day, 365 days per year. You can manage your card from your very own secure account management area on the website via our IVR (automated telephone system) or by using simple text commands from your mobile telephone What address should I give when I purchase goods online or by mail order/phone? You need to use the registered address you gave at the time of activation. Remember you can always update your details by visiting the My Account area. I'm not happy with the service. How do I make a complaint? We hope that you never have to complain about our products or services, however we accept that on some occasions things can go wrong. Where we’re at fault, we want to put things right as quickly as possible, and will apologise to you. If you are unhappy with our products or services for any reason, you should tell us so that we can investigate your concerns. You can tell us: by telephone; fax; email; or by writing to Customer Services. In most cases, we hope to resolve any problems within 24 hours. In some cases, we understand that it’s not possible to resolve a problem in that timeframe, and in those cases we will write to you within 5 days of receiving your complaint to acknowledge your concerns, and will provide you with details of our complaints procedure. If you remain unhappy after your complaint has progressed through our complaints procedure, you may be able to refer your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent and impartial service that looks to settle individual disputes between businesses providing financial services and their customers – this is free for customers. You can contact the Financial Ombudsman Service by telephoning 0845 080 1800. |
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