Frequently Asked Questions

What is the MySpree Card?
The MySpree Card is a pre-paid card (NOT a credit card) that can be used anywhere in the world where you see the Visa Card® Acceptance Mark. There are no credit checks. Minimum top up amount is £20 and maximum is £1,000. Activate the card when you receive it and start spending/continue topping up! You can top up your card securely via your online account portal at once the funds have cleared on your card account, you can use the card and spend the balance as you would with any other debit card. In fact, it's exactly the same as using any other debit card except you will start to earn cashback when you spend at our retail partners.

Can I register straight away?
Yes, you are eligible as long as you are employed by a participating company.

Will there be a credit check?
No, there are no credit checks or lengthy application process. You fill-in an online form and apply instantly. We will validate name, address and other personal information supplied by you during the order process against appropriate third party databases. By accepting these terms and conditions you, consent to such checks being made. In performing these checks personal information provided by you may be disclosed to a registered Credit Reference Agency which may keep a record of that information. You can rest assured that this is done only to confirm your identity, that a credit check is not performed and that your credit rating will be unaffected. All information provided by you will be treated securely and strictly in accordance with the Data Protection Act 1998.

Do I have to pay to have a MySpree Card?
Yes. The fee is £4.99 with a promotional code. To obtain a code, please contact your HR department. If they do not have a discount code set up, they will need to contact

Does it cost me anything to use my MySpree Card?
No - there are no transaction costs involved with the MySpree Card when used in the UK. For charges relating to use outside the UK, please refer to the Terms and Conditions.

Where can I use my card?
Your card is accepted anywhere you see the Visa Card Acceptance Mark which is at over 32 million retailers worldwide. It's just the same as using any other Visa debit card.

Can I use it for shopping on-line?
Yes your MySpree Card is accepted at most on-line retailers. You can also use it securely in-store or on the telephone. It's just the same as using any other Visa debit card.

How do I earn cashback using the MySpree Card?
Simple. Get your card. Activate it. Make sure it's topped up with funds. Start spending online or in-store at our retail partners to earn cashback and when you next top up, the cashback you have earned will automatically be credited to your account. It usually takes about 5 - 7 days for your cashback purchases to be processed so please don't worry if not all of your cashback appears if you top up quite soon after you have spent. Where possible, we will always credit your account as soon as we are advised of the cashback to be awarded. Earning cashback from online spending is subject to a few restrictions. Go to and click on the cashback savings tab for more information.

Is there a minimum spend required to receive my cashback?
No, there is no minimum spend to receive your cashback. You just need to make sure you have sufficient funds on your card before you start spending.

Can I get an additional card on my account?
Yes, you can get an additional card with the same benefits as long as it's for someone in the same household as you. Tick the 'Would you like an additional card'box when you register or alternatively, you can order one via your online account at Additional card fees apply.

How do additional cards work?
You both share one account and spend from one account balance. Top ups can be made by either of you. Both cards are sent separately and need to be activated by each card holder. Once they are activated, both can use the cards at partner retailers earning cashback as you spend. Cashback is credited to the account as and when it is topped up.

Can I access my account on-line?
Yes. When you have registered, you will be sent a user code and pass code by email. Keep this safe as you will need it to access your online account in the future. Your online account can be accessed at 24 hours a day. You can edit your personal details, top up your card, check your statement/balance/cashback earned & pending as well as set up SMS balance alerts.

Where do I top-up my card?
You can top-up your card online via your online account at 24 hrs a day.

Does it cost anything to top-up my MySpree Card?
Standard top up: Ad-hoc or regular - It is free when you top up over £200 however there is a small admin fee of 40p if it is under £200. The money will leave your bank account immediately and will take 4 days to clear and be available on your MySpree Card.

Instant top up: You can also request an 'instant' top up where the funds are available immediately - this will cost £2.50.

We would recommend you set up a regular payment from your debit card for your top ups to take away the hassle. The 'Top Up Card' tab on your online account gives you a full breakdown of your top up options and any charges that are applicable or please see our Terms and Conditions on the web site for full fees chargeable which will always reflect the most current version.

Do I still receive loyalty points i.e. Nectar or Advantage?
Yes. All other retailer loyalty schemes and offers can be used alongside your card giving you even more value when spending with the MySpree Card.

What happens if my card is lost or stolen?
You must notify us immediately if your card is lost or stolen. Please call 01908 303488 and select option 3 for lost and stolen cards. You should treat this card as cash in your wallet or purse. There is a £10 replacement charge unless you have a valid police crime reference number.

What happens if I forget my PIN?
This is the 4 digit PIN you were given when you activated the card over the phone. If you need a reminder, you can do this online in the "Edit your details" tab or alternatively please call the hotline on 01908 303488 and select option 4 for forgotten pin.

Can I use my card abroad?
Yes. You can use it wherever the Visa Card Acceptance Mark is displayed. As with most payment cards, there is a 4% foreign exchange fee which will apply to every purchase and you will not qualify for cashback when spending abroad.

Can I use my card to withdraw cash?
No. Your card cannot be used for cash withdrawals at ATMs, for purchasing foreign currency, cash advances or cash back at the till.

Are there any restrictions on where I use my card?
There are a few restrictions such as gambling and adult websites please see the Terms and Conditions for more information.

Will I earn cashback on petrol?
No. You also do not earn cashback on non-petrol items purchased at petrol stations.

Will the range of retailer partners and their cashback rates change?
Occasionally we do add or remove new partners but always aim to offer a comprehensive range of outlets where you can earn cashback. Whilst we can't rule out any change governed by market forces, we will endeavour to maintain our current rates wherever possible. Please check the web site which maintains an up to date listing and any amendments to the retail partner list and cashback rates.

Is my card 3d secure/verified by visa registered.
No, our cards cannot be 3d secure/verified by visa registered. If a website requires 3d secure/verified by visa you won't be able to use your pre paid card to make a payment with this merchant, unfortunately we have no control over how retailers manage their websites.