Fees, limits and terms as of Dec 2022

An updated article regarding fee changes and limits effective from December 2022

Updated over a week ago

Expend Prepaid Mastercard® Fee & Limits Schedule

Overview of Terms

  • There are no tie-ins and no minimum subscription period to the Expend service. Users can cancel anytime within their trial period. If you cancel after your trial period then you are required to give 1 months notice from your billing date.

  • Your subscription/trial start date will begin from the day you register your Expend account.

  • An annual plan paid monthly means that that a commitment is made for the entire year, but the bill is paid on a month-by-month basis.

  • Where possible, subscription and card usage fees will be charged against the customer’s Direct Debit or Credit Card. These are the payment forms used to pay for the Expend service and not the Expend prepaid debit card we provide to customers.

  • Users are asked to submit payment details within their trial period. If payment details are not provided by the end of the free trial and the user has not cancelled their subscription, the subscription fees may be taken from any Expend account credit. If the user has no available credit to fulfil owed fees, the service may be cancelled at Expend’s discretion.

  • In the event of non-payment of the Expend fees, the company has full discretion to suspend usage of the card and users access to the software. Outstanding fees may be charged against any credit the user’s account has.

  • There is a £5 charge for replacement cards and to re-issue cards on the Expend Explorer plan, and a £7 charge on the Expend Essentials plan.

  • When outside of a trial period, there is a customer funds refund fee of £15.

  • All prices listed are exclusive of VAT.

  • Users are subject to the above terms, the Terms and Conditions and the Privacy Policy provided on our website.

  • Terms & conditions apply. Terms are subject to change. These can be found at https://expend.io/terms-and-conditions.

Contactless Limits

As of September 2022, our card provider implemented Contactless Limits as a means of protecting card holders from attempted fraud or theft.

if you are you seeing card declines or "transaction limit reached" messaging but know there's enough on your card, it is likely you've reached your contactless limit.

To reset these limits, please use chip & PIN next time you purchase something in store, as this will reset your limit. If you cannot remember your PIN, it is always accessible within your mobile app.

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