Expend Prepaid Mastercard® Fee & Limits Schedule
ITEM | INFO |
Maximum load amount per day | £40,000.00 |
Maximum number of loads per day | 20 |
Maximum load amount per month | £200,000.00 |
Maximum load amount per year | £2,400,000.00 |
Maximum balance on card | £250,000.00 |
Maximum ATM withdrawal per day | £1,000.00 |
Maximum ATM withdrawal per month | £4,000.00 |
Maximum ATM withdrawal per year | £48,000.00 |
Maximum number ATM withdrawals | 10 |
Maximum single ATM transaction amount | £650.00 |
Maximum daily POS spend | £20,000.00 |
Number of daily POS transactions | 30 |
Card payments: foreign exchange fee | Expend Essential: 2.50% Expend Explorer: 0.00% |
Cash withdrawal (UK)* | Expend Essential: £2 Expend Explorer: £1 |
Cash withdrawal (outside UK)* | Expend Essential: £3 Expend Explorer: £2 |
Replacement card | £7 |
*‘Non-standard’ ATM withdrawals (i.e. the ATMs that display/charge a fee to withdraw money) may charge you an additional fee. This will be taken from your account credit.
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 before 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 £7 charge for replacement cards and to re-issue cards across both Expend plans.
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 expend.com/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.