We hope you’ve been falling in love with the Quidity Plus Account so far. But we understand it’s a lot to take in, so we’re always happy to answer any questions you may have. Below are some of the most commonly asked ones, organised by section.
About the Quidity Plus Account
What is a Quidity Plus Account?
The Quidity Plus Account is a payment account that allows you to manage your day to day budget. It is prepaid, which means you load money onto your account, and you can only spend your available budget.
It comes with a sort-code and account number, so you can set up Faster Payments, Standing Orders, Direct Debits and receive your salary into it.
It also comes with a contactless prepaid Mastercard®, which you can use at any location that accepts Mastercard, including ATMs.
What are the benefits of a Quidity Plus Account?
No credit checks
It’s quick and simple for anyone to apply. It’s perfect if you don’t want, or can’t get, a credit or debit card.
No bank account required
It’s not tied to a bank account so you can keep funds completely separate. You can even have your wages transferred directly into your Quidity Plus Account if you wish. See the How it works page for more details on this Load option.
You can only spend the money you’ve loaded onto your card so you don’t have to worry about going over budget.
Managing your money is even easier with the Quidity Plus Account online MyAccount and Quidity Plus Account app. You can view your balance, load more cash, see your transactions, get balance notifications and set alerts to really keep on top of your spending.
Send money to friends
Your Quidity Plus Account comes with a sort code and account number. Which means you can easily send money to any UK bank account.
Contactless & Chip and PIN technology
Your card is contactless, so when you’re buying on the high street you don’t need to spend time entering your PIN in stores that have contactless payment terminals. Simply tap your card for any amount up to £30 wherever you see the contactless symbol and you’ll be good to go. Your card also has Chip and PIN security which can be used for those payments over £30, or in stores which do not have contactless payment terminals.
Covered for loss and theft
You’re protected if you lose your card or it gets stolen, as long as you report it straight away. Just call us immediately on +44(0)333 700 7010, and we’ll block others from using it. Why not put the number in your phone now? That way you’ll have it at the ready whenever you need it.
Alternatively go into the lost/stolen/damaged section in your Quidity Plus online account and complete the form. If you would like a replacement card, we’ll then transfer your balance onto it and get it sent out to you within 7 to 10 working days. A charge of £5 for the replacement card will be debited from your balance or when you next load.
What is ‘contactless’ payment technology?
Your Quidity Plus Account comes with contactless payment technology for quick and simple purchasing – no more digging in your pocket for spare change.
Simply tap your card for any amount up to £30 wherever you see the contactless symbol.
It’s already available in thousands of shops and restaurants and TFL.
Your card also has Chip and PIN security which can be used for those payments over £30, and also in stores which do not have contactless payment terminals.
The Quidity Plus Account Mastercard only comes in a contactless version, and we don’t issue non-contactless versions.
How much does it cost?
What is a restricted card, or a card with reduced limits?
We’re legally required to confirm your identity when we receive your application. As long as we can do this, you’ll receive a card that allows you use all the great stuff a Quidity Plus Account has to offer.
If we’re not able to fully confirm your identity, you may* receive a card that still lets you shop everywhere in the UK, but which has a lower spend limit and can’t have additional cardholders. A restricted card can be used for 12 months. If you would like to use it after this period you will have to provide us with additional identification.
Quidity Plus Account
Quidity Plus Account (reduced spending limit)*
|Household limit||4 accounts||1 account|
|Mobile phone number limit||Only one account per mobile phone number||Only one account per mobile phone number|
|Additional cards||4 cards||0|
|Geographic restrictions?||card can be used at any merchant||Card can only be used in the UK for GBP transactions|
|Banking functionality?||Full banking functionality||Faster Payments and Bacs in only|
If you’d like to upgrade your card, we’ll need you to send us certain documents to confirm your identity. Please see the Details section of our Costs page for more information on upgrading your card.
Please note, if you’re given a card with a reduced spending limit and don’t want to go ahead, you can still change your mind. Contact us before activating your card, or within 14 days of activating it, and we’ll cancel your card and refund your £5 application fee, if applicable, and any remaining balance on the card.
*We can request identification at any time before issuing you with a card.
I changed my mind
Of course we want you to fall in love with your Quidity Plus Account, but if you’ve changed your mind, please contact us before activating your card, or within 14 days of activating it, and we will provide a refund on your application fee.
After 14 days, if you wish to close your account, a £15 fee will apply. There is no minimum account term.
Is there any interest?
No. You can’t go overdrawn with a Quidity Plus Account, so you also don’t have to worry about paying interest.
Who is Quidity Plus?
The Quidity Plus Account was created together by the Trinity Mirror Group and Prepay Technologies Ltd. trading as PPS, because we believed everyone should be able to access the benefits of online payments.
What’s the difference between Quidity and the Quidity Plus Account?
The Quidity Plus Account is a full payment account: it comes with a sort-code and account number, allows you to do most things that a normal bank account would allow you to do, but with the added benefit of not having an overdraft.
If you have a Quidity Maestro card, you can apply for a Quidity Plus Account, and get the full benefits of the Quidity Plus Account.
Please note this is not a bank account, this is an e-money account.
Getting a Quidity Plus Account
Who can get a Quidity Plus Account?
Anyone who is a resident of the UK and over the age of 13 can apply for a Quidity Plus Account. If you’re under the age of 18 you’ll need approval from a parent or guardian.
How do I get one?
Are there any credit checks?
There are NO credit checks, and we accept nearly everyone who applies for a Quidity Plus Account. But we do need to make sure that you say who you say you are. So we will verify the details you have given us, and in some cases we may ask for proof of address or identity.
Do I need a bank account?
Absolutely not. That’s one of the great things about the Quidity Plus Account – there are no credit checks and no other accounts required to be eligible.
Do I need ID?
In most cases we can verify someone’s identity online, whilst you apply. Sometimes we can’t though. For example if you’re new to the UK. And in those cases we will ask you to send us some further proof of ID or address.
Further ID may also be required if you receive a card with a reduced spending limit and wish to upgrade. However, we have the right to request for your ID at any time. If you’d like to upgrade, we’ll need you to send us certain documents to confirm your identity. Please download the Upgrade form for more information on upgrading your card.
Please note, if you’re given a card with a reduced spending limit and don’t want to go ahead, you can still change your mind. Contact us any time before activating your card, or within 14 days of activating it, and we’ll cancel your card and refund your £5 application fee if applicable and any remaining balance on the card.
How do I pay for my Quidity Plus Account?
There is a £4.95 application fee for the Quidity Plus Account. You can pay for this application fee in a couple of different ways:
By debit/credit card
When you’re at the payment stage of your Quidity Plus Account application, you can pay for your card by debit or credit card. (An additional 4% fee for credit card payments applies.)
How long will it take to receive my card?
After you’ve applied for your Quidity Plus Account, your card will be sent straight to your home addresss. This will take approximately 7-10 working days.
I have received my card. What’s next?
In 3 simple steps you’ll be ready to start using your card:
Activating your card
Remove your card from the letter and sign it.
Underneath your card you will find a unique activation code. You can either activate it through the online self service portal, or by calling the number below:
Call +44(0)333 700 7010 and follow the activation instructions.
We’ll give you a 4 digit PIN (Personal Identification Number) over the phone: Make sure you remember this.
Register your card
Click here and follow the instructions. You will then be able to load and manage your account online.
Load it up and start shopping
You can load your card via Quidity Plus Account app, or in the ‘top up account’ section of your online account, at a Post Office® branch or PayPoint outlet.
Your first ever transaction will have to be a Chip & PIN transaction, so you’ll need to use it at a till in a shop. But after that you can use your card anywhere in the world wherever Mastercard® is accepted, including contactless, on the high street, online and over the phone. If you have been given a restricted account, you can still use your card in the UK, for transactions in GBP.
Can I change my PIN?
Yes you can. Just go to an ATM, and go to ‘PIN services’. If you have trouble remembering your PIN, it’s best to change it to something you can remember easily. Like a memorable date, the numbers from your first car’s license plate, the number of stripes on your cat, spots on your dog, your lucky number, the number of trees in your garden… So long as it is 4 digits, and you never, ever, share it with anyone!
I’ve forgotten my PIN
Happens to the best of us. All you have to do is go into your Quidity Plus online account and follow the instructions in the ‘View PIN’ section.
Can I spend more than £30?
If the payment is contactless then £30 is the maximum spend possible per transaction, but you can use your chip and PIN facility to make payments for amounts more than £30.
Putting money into your Quidity Plus Account
What does loading mean?
This is when you put a set amount of money into your Quidity Plus Account. It can also be referred to as ‘topping up’.
How do I load my Quidity Plus Account?
You may load your account up to a maximum balance of £5,000 per Account if you hold a Full Card.
You can put money into your account in quite a few ways. For the full list, including any fees that may apply, have a look at the costs page.
If you opt to load your Card via the Quidity Plus Account app, you can:
- load your account without having to re-enter your registered debit or credit card details, until such time that you choose to remove your registered payment details;
- configure the Quidity Plus Account App to send a notification to advise you (a) when a load has been made to your Account; (b) when your Available Balance is low according to your set limits and; (c) to action a load on your Account. We reserve the right to suspend or terminate the right to load your Card at any time without notice.
How long does it take for money to get into my account?
It depends on how you choose to load up your card:
Load your card by debit card via the app or online account: Load is credited immediately if you load via the app, or within 48 hours when done online
Load your card by credit card via the app or online account: Load is credited immediately if you load via the app, or within 48 hours when done online
Load your card by direct transfer from your UK bank account: Balance available same day, but usually in 2 hours.
Load your card at any shop where you see the PayPoint logo: Balance available usually immediately
Load your card at any Post Office® branch: Balance available next business day*
* Business days are Monday to Friday 9am to 3pm UK time, not including UK Bank Holidays.
Using your Quidity Plus Account
Where can I use my card?
You can use it just like you would a debit card and wherever you see the Mastercard® Acceptance Mark, in over 36 million places, in over 210 countries worldwide. Use it to shop safely online, by phone and on the high street.
If you have been given a restricted card please note that you will only be able to use your card in the UK for GBP transactions.
Can I use ATMs?
Yes, you can use your card just like a debit card and you can withdraw money from ATMs (fees and limits apply, just check the terms and conditions which limits and fees apply.)
Can I use Quidity Plus abroad?
Yes, you can use your Quidity Plus Account anywhere Mastercard is accepted. There is a small charge, and the daily exchange rate. To calculate how much you will be charged when abroad, you can use Mastercard’s handy currency convertor.
If you have a restricted card you will only be able to use your card in the UK.
How can I set up my online account?
To setup your online account, just click on the “LOGIN” button at the top of this page. It’s really easy to set up and only takes a few minutes – just answer a few security questions and you’ll be good to go. Then you can check your balance, see statements, load funds and update your details.
Can I manage my account from my mobile?
Yes, of course. You can navigate to your online account through your mobile browser, or download the Quidity Plus Account app.
Once you’ve downloaded the Quidity Plus Account app and followed the simple registration, you’ll be able to easily manage your money on the move. With it you can:
- Check your current Quidity Plus Account balance and view your latest transactions.
- Load your card instantly from a debit card or credit card.
- Set notifications for when your balance falls below a certain level.
- Receive a message when money is added to your account.
Alternatively, once you’ve set up your online account from your PC, you can access the main functions using the internet on your phone. That’s your balance, your last three transactions, a mobile top up function and loading funds into another account. You will be taken to the main website where you can click on “LOGIN” and once past security you will be able to access the main functions.
I’ve forgotten my online account login details
If you’ve forgotten your username, password and/or memorable date please click on the ‘Forgotten password’ link on the Login page and follow the instructions. Once you’ve filled in all the relevant fields and clicked on ‘Submit’, you’ll be given a unique four digit activation code (please make note of this) and also an e-mail will be sent to the e-mail address which you’ve registered with us. Once you receive this e-mail, simply follow the steps described, so that you can log in. During the process, you will be required to enter the activation code that you’ve been given.
What is loading/transferring to another card?
You can move cash from your Quidity Plus Account to friends and family who also have an Quidity Plus Account. All you have to do is set them up in the ‘Make a payment/Load another card’ section of your Quidity Plus online account. Then, when you want to send them funds, just select the relevant identifier, the amount you want to send them and confirm for the funds to be transferred. You can track all these transfers under the Payments section in your online account.
Can I get additional cards?
You can take out up to 4 additional cards – you’ll just need to verify the main cardholder. For example, you might want each member of your family to own a card. You might just want to have cards for different uses. It costs £5 for each additional card and your spending limit and balance will be shared across all cards on your account.
You can order additional cards through your online account once you’ve received your main card and created your Quidity Plus Account online.
If you have a restricted cards you won’t be able to have additional cardholders.
How do I change my details?
Just go into the ‘Change details’ section of your Quidity Plus online account, select the relevant section, make the changes and click on the “Update” button. To ensure you always have the best service from us, please make sure your details, including your mobile phone number, are up to date.
Please note – if you want to change your name or your address within 3 months from application you will need to send us two documents, one to verify your identity and one to verify your address. For a list of accepted items you can contact customer service at firstname.lastname@example.org . You will then need to send them with a covering note, specifying that you want us to update your contact details to:
Quidity Plus Account,
PO Box 3883,
Can I use my card abroad?
Yes you can, but we charge a small fee. Please check your terms and conditions for the correct fee.
If you have a restricted card, you can only use your card in the UK, for transactions in GBP.
My card is lost or stolen. What do I do?
If your card is lost or stolen, call us immediately on +44(0)333 700 7010*, and we’ll block others from using it. There are no charges for reporting your card lost or stolen. Alternatively go into the lost/stolen/damaged section in your Quidity Plus online account and complete the form. If you would like a replacement card, we’ll transfer your balance onto the new card and get that sent out to you within 7 to 10 working days. A charge of £5 for the replacement card will be debited from your balance, or when you next load.
* We’re available 8am – 7pm Monday to Friday, and 9am – 5pm Saturday.
Can I cancel my order or close my account?
If you want to cancel your card or close your account, please email us at email@example.com or call us on +44(0)333 700 7010* and press 5.
* We’re available 8am – 7pm Monday to Friday, and 9am – 5pm Saturday.
If you cancel your card before activating it, or up to 14 days after the date of activation (during the Cancellation Period), we will refund your application fee, if applicable, and any available balance on your card.
There’s no charge for cancelling your card or closing your account. However, if you cancel you card or close your account after the Cancellation Period, you will be charged a £15 redemption fee if you want us to return any money on the card.
Using your Quidity Plus Account app
What can I do in the app?
An easier question would be ‘what can’t I do?’ because, after a simple registration, the app gives you full control over your card. With it you can:
- Check your current Quidity Plus Account balance and view your transactions.
- Load your account instantly from a debit card, credit card or voucher.
- Set notifications for when your balance falls below a certain level.
- Receive a message when money is added to your account.
How do I log into the Quidity Plus Account app?
If you’ve already registered on the ‘Myaccount’ section of our website, all you need to do is enter the following details:
After that you’ll be asked to create a passcode, which will give you quick, secure access from then on.
What if I haven’t registered on the website yet?
Not to worry. Simply enter the following details in the app:
- Card number
- Date of birth
- Email address
- Memorable date
- Create a username
- Create a password
- Create a security question
You only need to do this once and when you’ve finished you’ll have everything you need to get started with the app.
How do I log out of the app?
Just press the home button on your phone and you’ll be logged out of the app. You’ll also be automatically logged out if you leave it open for more than a few minutes. To keep your details safe, the app will ask for your passcode every time you return to it.
What If I’ve forgotten my passcode?
If you have forgotten your passcode, just go to the ‘Forgotten passcode’ section and enter a few security details and a new six digit passcode and you’ll be good to go.
If you’ve entered your password incorrectly three times in a row, don’t worry – you’ll be asked to login in with your username, password and memorable date, which you entered at registration.
Who should I contact if I’ve got a customer services query about the app?
To speak to a customer service advisor:
Call us on +44(0)333 700 7010*
Email us at firstname.lastname@example.org
Using Quidity services
How do I pay another person?
In your online account, go to the „pay another person’, and follow the instructions. You’ll need their sort-code and account number. It’s quick and easy.
What happens if I send money to the wrong account?
In the UK, bank transfers are directed by sort code and account number. Banks check if the combination of the sort code and account number is valid, but no checks are made against the recipient name. So you have to be very careful that the numbers you enter are the correct details. Once a payment has gone through, it is almost impossible to get the money back.
We’ve added a few features to prevent this from happening as much as possible. For example, you can set up a list of regular payees, like an address book, so you don’t have to type in account details every time you want to send money to someone.
If you did send money to the wrong recipient, please contact us straight away. We’ll do what we can to help.
How do I set up a Direct Debit?
You can fill out a Direct Debit instruction with the organisation you are paying, for example, a utility company or your gym. You can recognise a Direct Debit instruction, as it will ask for your sort code and account number and normally has the Direct Debit logo on it.
What are my rights if a Direct Debit goes wrong? (IE: the wrong amount is taken out)
The Direct Debit Guarantee applies to all Direct Debits. So if something goes wrong with a Direct Debit, please get in touch with us. For a full explanation of the Direct Debit Guarantee, please visit:
What about cheques?
Quidity Plus is a 21st century, online account, and does not currently accept cheque deposits. Equally, because it’s so easy to make online transfers, we do not issue cheque books.
Can I make and receive CHAPS payments?
Not at the moment.
What happens if there isn’t enough money in the account to pay a Direct Debit or Faster Payment?
Because your account gives you real-time transaction information, we hope that this never happens. However, unfortunately, if there isn’t enough money in your account to cover a payment, the payment will fail. So you will need to keep an eye on your account to make sure this doesn’t happen.
Remember, there is no overdraft.
Fraud and safety
Is my money safe? How do I know I can trust you?
Your card is issued by PrePay Technologies Ltd. We’ve been around for nearly 16 years, and process over £2bn worth of transactions a year.
When you put money into your Quidity Plus Account, it goes into a ring-fenced account. This means we can’t touch it. We can’t invest with it, and we can’t take risks with it, so if we were go bust, you’ll still get all of your money back.
PrePay Technologies Ltd. are a licensed e-money issuer and regulated by the Financial Conduct Authority. This means we have to adhere to strict rules when it comes to looking after your money. Our FCA registration number is FRN 900010. Feel free to check us out.
And because we’re also fully licensed by Mastercard, we adhere to a whole extra set of rules and regulations which means we look after your money and do our best to keep it safe from fraudsters. When it comes to money, it’s always personal.
I think I’ve been a victim of fraud. What do I do?
We hope it never happens. But if it does, it is important to block your card as quick as possible. You can do this either from your online account, or by telephoning us on +44(0)333 700 7010. We will block the card and send you a new one.
We recommend putting the number in your phone, and keep it handy somewhere.
I can’t remember the PIN you gave me
No problem. You can change your PIN to something more suitable at most ATMs. Just put your card in the machine, and go to ‘PIN services’.
You can change your PIN to anything that means something to you. Some of our favourite recommendations:
- Your dad’s (or mum’s) birthday
- Your lucky number
- The first four digits of your nan’s telephone number
- The number of stripes on your cat
- The number of spots on your dog
- The numbers from your car’s license plate
- The date you had your first kiss
How do I keep myself safe from fraud?
Firstly, fraud only happens very rarely, and the vast majority of transactions go without a hitch. We do a lot behind the scenes to prevent fraud, and if something looks suspicious, we will try to stop or further investigate a transaction.
But there a few basic things you can do to help too:
- Firstly, never ever share your PIN, passwords and memorable dates with anyone.
- Cover your hand and the keypad at ATMs when you enter your PIN.
- If you use a computer to access your account, make sure it has up to date anti-virus software, and if you’re using an android phone, it’s good practice to use it on there too.
- Remember we will never ring or email to ask for your card PIN, in fact, we will never ask you for your card PIN.
Financial Fraud Action UK publish some great tips on how to shop safely online, protect yourself when using an ATM, and a few other things to look out for. Have a look here for more: https://www.financialfraudaction.org.uk/consumer/advice/