How does the T24 PayVault card work?   

The T24 PayVault Card is a reloadable prepaid card that looks and functions just like any other VISA card without offering a credit facility. Cards are activated and provided a PIN over the phone. You may use the card at any POS, online or ATM terminal displaying the VISA® trademark. In order to use the card, you must have funds available on the card. The value of a purchase is then deducted from the card balance.

Does my credit rating or bank account balance matter?   

No, the cardholders credit history or bank account balance is not considered when processing a card application.

How do I manage my prepaid account?   

The T24 online transaction platform enables cardholders to conveniently transact with and manage their card accounts from their mobile phones by simply sending SMS messages to transfer funds, check their balance, etc. To find out more please see the section Account Management.

Is my account, with full transaction details and history available for viewing?   

Yes, your account and transaction information is available 24/7, online, via an account management facility. You can also check your balance and last three transactions anytime via SMS.

How secure are these cards? What if a card is lost/stolen?   

The cards are personalised and a PIN is associated with every card. All payments are made through a secure channel. In the event that a card is lost or stolen it can be blocked immediately, locking the funds on the card. A replacement card will then be issued to you. Exposure to loss is limited to the amount of funds that exist on the card at any point in time. To read more about the security features, please see the section Card Security.

How does the mobile functionality work?   

For full information on the SMS functionality on your T24 PayVault Card, please see SMS functionality

Can I block a card temporarily?   

Yes, you may lock a card temporarily and unlock it at your convenience using SMS. Please see the SMS section for instructions SMS functionality

May I apply for multiple cards?   

The T24 PayVault card is personal and we only allow 1 card per cardholder.

When can I start using my Card?   

Upon receipt of their T24 PayVault card, cardholders must sign the reverse of the card in the box highlighted ‘authorised signature’ and then activate their card either online or by phone, using the number found on the reverse of the card.

Is any interest earned on the prepaid account?   

There is no interest accrued on the prepaid funds.

What are the fees and terms and conditions?   

Read the full Terms and Conditions here: Terms and Conditions

Do the cards have an expiry date?   

Yes, the T24 PayVault Card expires after three years. If the cardholder is actively using the card, a replacement will be offered. The validity period is printed on the front of the card.

How do I get my PIN?   

Your PIN is retrieved through our Interactive Voice Response (IVR) system. To activate your T24 PayVault prepaid card, have your card and AccessCode ready. Then call +44 (0)20 7272 0935 and follow the instructions.

What is the minimum balance I have to keep on the card?   

There is no minimum balance requirement for the T24 PayVault Card.

What is 3D secure?   

3D Secure is a safety protocol developed by VISA to improve the security of online payments. All T24 PayVault cards are 3D Secure enabled.

Why is my card declined at self-service petrol stations when I have enough money to cover the bill?   

Self-service petrol stations do not have the ability to check your balance online. For your security, we cannot authorise this type of transaction.

Can I use my card overseas?   

You can use your T24 PayVault Card anywhere in the world where the VISA Acceptance Mark is displayed.

How do I log on to my account?   

You can log on to your account here: Account Login

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