Thank you!
Let’s get you started
We’re so pleased you chose a travel money card. Your new Sainsbury’s Bank
Multi-currency Cash Passport™ MasterCard® really is the smarter way to travel.
We know you’re busy planning your trip and with
3 easy steps your Card can be up and running.
Let’s stick together
In addition to packing your essentials for your trip, we also
recommend you take this Welcome Booklet along with you.
If you need any help, it will come in handy.
1
2
3
Sign the back of your Card
Remember your PIN
Your Card is ready to use
Create your online account at
cashpassport.com/sainsburysbank to view your Card
balance, move money between the Currencies on your
Card and check your transactions
Helpful hint
You can also use the Cash Passport mobile app to manage your Card.
That’s it. You’re ready to travel and spend!
Getting the most out of your new Card
Before you go
When you’re back
• Load British Pounds Sterling, Euros, US Dollars, Australian Dollars, Canadian
Dollars, New Zealand Dollars, South African Rand, Swiss Francs, Turkish Liras
and UAE Dirhams onto your Cash Passport
• Load when exchange rates are looking good or you have some spare cash for
your holiday – fees and limits do apply, they are available in this leaflet
• Review your transactions via ‘My Account’, the mobile app
or by calling Card Services
While you’re away
• Spend money in millions of locations all over the world
• Withdraw local currency from ATMs when you need cash in your pocket
• Feel secure with the added security of chip and PIN technology when
you’re using your Card
• Keep track of your spending online via ‘My Account’ at
cashpassport.com/sainsburysbank or the Cash Passport mobile app
• Reload your Card online, via internet banking, use the app or call Card Services
• Enjoy your holiday and depend on Cash Passport to keep your
money secure – and separate from your everyday accounts
Have some currency left?
• Transfer it to your GBP wallet and start spending
• Use your Cash Passport to shop online
• Start putting some money aside for your next trip!
• Cash out your remaining money at one of our instore
Travel Money bureaux
Handy Hints
• If you lose your Cash Passport or it’s stolen, call +44 207 649 9404 and as
long as we can get a Replacement Card to you before the end of your holiday,
we will. If that’s not possible, as long as you’ve got some cash on your Card,
we’ll get some emergency cash to you wherever possible, so you can continue
your holiday with as little inconvenience as possible.
• You can change your PIN at any participating ATM in the UK and Europe
displaying the MasterCard® Acceptance Mark.
There are a number of countries and geographical regions where the use of Cash Passport is currently prohibited. If you attempt to use your Card in any of these countries or regions, your request
will be declined and the reason given as ‘Decline, prohibited country’. Please verify the list of countries and regions with restrictions at www.cashpassport.com/sainsburysbank
How do I? Can I?
This table is a quick reference guide to managing your Card – please note that different exchange rates, reload limits and processing times may apply
depending on if you reload instore, online or by phone. You will be notified of the exchange rate at the time of reload.
Instore at Sainsbury’s
Travel Money bureaux
Reload my Card
Move money from one
Currency to another
Yes
Online
Yes, visit
cashpassport.com/sainsburysbank
for details
Mobile App
Yes
By phone
(Card Services)
Yes
Reloads appear on
your Card instantly
Online reloads – Reloads appear on your Card
instantly. Internet/phone banking reloads –
your bank may take up to 5 working days to transfer
funds (once received, funds will appear on your
Card within 24 hours)
Reloads appear on
your Card instantly
Reloads appear on
your Card instantly
No
Yes
Yes
Yes
Get a PIN reminder
No
Yes
No
Yes
Check my balance
Yes
Yes
Yes
Yes
Get back the money I haven’t
spent (cash out)
Yes
No
No
Yes
Tell you my Card is
lost/stolen/damaged
Please call Card Services straight away (see ‘Contact Details’ section)
Things you can do with your Card
1
Buy presents for
yourself, friends
and family – in shops
and online!
2
When you use your Card overseas,
you may get the choice of paying
in Pounds Sterling. By choosing to
pay in the local currency instead,
you may avoid an extra foreign
exchange conversion at additional
cost to you.
Pay for
meals and
trips out
3
Withdraw local
currency from
ATMs
Remember that if you do not
have enough funds to pay for a
purchase in the relevant Currency
on your Card, the rest will be
taken from another Currency on
your Card, and you will pay a
foreign exchange fee. Please look
at the Fees and Limits table to
find out more.
Things you shouldn’t do with your Card
1
Reserve a
hire car
2
Use it as a payment
guarantee to reserve
a hotel room
Whilst your Card is really
adaptable, it’s not suitable for
everything. You shouldn’t use your
Card as a deposit with car hire
companies, hotels or cruise lines.
This is because they will estimate
the final bill and will require a sum
of money to be reserved on your
Card to cover this.
3
Use it for
spending
on-board
cruises
You will not be able to spend
the reserved amount for some
time. When using your Card at
automated fuel pumps, a fixed
amount is reserved. You may
prefer to use your Card to pay for
fuel inside the petrol station.
Your Card is smart
Keeping you on track
Your Card can carry multiple Currencies every time you travel and always
knows which Currency to use. Load it with British Pounds Sterling, Euros,
US Dollars, Australian Dollars, Canadian Dollars, New Zealand Dollars,
South African Rand, Turkish Liras, Swiss Francs and UAE Dirhams, and
keep it loaded with the relevant Currency. If you don’t have enough of the
local Currency on your Card then it can hunt through the other Currencies
on your Card, in the order described above, to see if they can cover the bill.
Please bear in mind that you will be charged a foreign exchange fee,
should this occur. You can view this in the Fees and Limits table.
If you have a problem using your Card, here are the things
you should check first.
Here for the long haul
Your Card isn’t just for one trip; you can use it again and again (up to
the expiry date shown on the Card) and simply reload it when you next
go travelling#. You can keep your Card free of charge for 12 months from
the date you last bought something, made a withdrawal at an ATM, or
added money to your Card. If there hasn’t been any activity on your
Card (a purchase, withdrawal or reload) for 12 months or longer, then
you may incur a fee. This is shown in the Fees and Limits table.
#
Subject to Card limits
1
2
3
4
Check that you have enough money on the Card for the
purchase you wish to make.
Check that you are using the correct PIN. The ‘How do I? Can I?’
section of this Welcome Booklet advises you how to get a reminder.
Check that the Merchant you are purchasing from
accepts MasterCard® Prepaid.
Your Card has maximum limits on how much you can withdraw or
spend, for example a maximum daily amount that you can spend
in a shop. These limits are shown in the Fees and Limits table.
In addition, some ATMs may have their own limits.
If none of the above applies to or resolves your query,
then it’s worth reviewing the Frequently Asked Questions
at cashpassport.com/sainsburysbank
Fees and Limits
These fees and limits can change. You can find out more in your terms and conditions.
We keep the latest version online at cashpassport.com/sainsburysbank
Fees – This table shows how much you pay for different Sainsbury’s Bank Multi-currency Cash Passport™ services.
*If the currency of your transaction does not match any of the Currencies on your Card, or there are insufficient funds on your Card in a Currency
to cover the whole transaction, the (remainder of the) transaction amount will be exchanged to another Currency (-ies) on the Card in the order of
priority, at an exchange rate determined by MasterCard® on the day the transaction is processed, increased by 5.75% (the foreign exchange fee).
†If the Currency of your transaction matches one of the Currencies on the Card and there are sufficient funds in that Currency to cover the whole
transaction, the ATM fee for that Currency will be applied. If the Currency of your transaction does not match one of the Currencies on the Card or
there are insufficent funds in the relevant Currency to cover the whole transaction, then the GBP ATM fee will be applied and will be converted into
the last Currency being used to fund the transaction at a foreign exchange rate determined by MasterCard on the day the transaction is processed.
Fee
Fee Amount
Card fee
FREE
Fee for loads and reloads into GBP purse
(also known as reload fee)
2%
Fee for loads and reloads converted into all other Currencies
on your Card (also known as reload fee)
FREE
Paying in shops, restaurants, hotels and online
(some Merchants may charge an extra fee)*
FREE
Limits
Amount
Using an ATM (some ATM operators charge an extra fee)*†
GB£1.50, EU€1.75, US$2.30, AU$2.30, CA$2.40, NZ$3,
ZAR20, TRY5.40, CHF2.20, AED8
Maximum (re)load and maximum total balance allowed on your Card, at any one time
(including all Currencies)¶
GB£5,000
Withdrawing cash over the counter in a bank
GB£4, EU€4.70, US$6.20, AU$6, CA$6.40, NZ$8, ZAR50,
TRY14.50, CHF6, AED25
Maximum load and reload over 12 months (the most you can load onto all prepaid cards issued
to you by us during any 12-month period, including all Currencies)
GB£30,000
Additional Card
FREE
Minimum load and reload
GB£50
Cashing out at a participating Sainsbury’s Travel Money bureau
FREE
Withdrawing cash from ATMs (some operators may set their own limits)
GB£500 per 24 hours
Cashing out through Card Services
(except in an emergency)
GB£6
Withdrawing cash over the counter in a bank
GB£150
Shortfall fee (applied if your balance falls below zero)
GB£10, EU€15, US$15, AU$20, CA$20, NZ$25, ZAR140,
TRY36, CHF15, AED62
Spending money in shops, restaurants etc. (some Merchants may set their own limits)
GB£3,000 per 24 hours
Maximum number of Additional Cards
1
Card lifetime
See Card for expiry date
Maximum number of tries when entering your PIN
Three in each 24-hour period
Maximum number of active Card accounts at any one time
1
Replacement Card
FREE
Currency transfer fee‡
(moving funds from one Currency to another)
Foreign exchange rate will apply
Not using your Card for a long time? If you don’t use your Card
for 12 months for transactions, to reload or cash out, this fee (also
known as inactivity fee) will be taken off your balance each month§
GB£2
Foreign exchange fee*
5.75%
‡A foreign exchange rate will apply if transferring funds to another Currency. The Currency exchange rate is selected from the range of rates
available in wholesale currency markets (which vary each day), together with a margin.
§If, following the debit of any monthly inactivity fee, the Card Fund balance is less than the fee, we will waive the difference.
Limits – This table shows the limits on using your Card. The limits are given in GBP but they include all the
Currencies loaded on to the Card.
¶The amount that can be loaded/reloaded will vary depending on which channel you choose, i.e. online, instore, telephone or internet banking
Check cashpassport.com/sainsburysbank for more information
Contact Details
Card Services are here for you 24 hours a day, 7 days a
week, whether you need to report a Card lost, stolen or
damaged or have a query that is about your Card account.
Calling from
Call free on
Australia
Brazil (from landline only) France New Zealand South Africa Spain Switzerland Turkey U.A.E. UK USA/Canada 1800 098 231
0800 892 3560
0800 916 940
0800 444 691
0800 982 674
900 958 973
0800 834 918
00800 4463 2089
8000 440 628
0800 056 0572
1 877 465 0085
For more information visit
cashpassport.com/sainsburysbank
you can also register your Card via ‘My Account’ or the mobile app,
to check your balance and view your transactions.
Please note charges may apply if calling from a hotel or mobile.
Important information
You can email [email protected] or call +44 207 649 9404
from anywhere in the world (including the Caribbean). Calls to this number are charged
at local or phone provider’s standard rates for international calls. Please remember to
add the international prefix of the country you are in at the beginning of this number
(in most cases 00).
Sainsbury’s Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730 is authorised by
the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register
no. 184514). Sainsbury’s Supermarkets Ltd is an appointed representative of Sainsbury’s Bank plc.
Sainsbury’s Bank Multi-currency Cash Passport™ is issued by R. Raphael & Sons plc, pursuant to license by MasterCard International Inc.
MasterCard® is a registered trademark of MasterCard International Incorporated. R. Raphael & Sons plc is a UK bank authorised by the
Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority (registration
number 161302) and is permitted to issue e-money. Head office and registered office at 19-21 Shaftesbury Avenue, London, W1D 7ED,
company registration number 01288938.
CP10588/V5/0716