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Summary Box

The information contained in this table summarises key product features of your CardOneBanking Prepaid MasterCard® and is not intended to replace any terms and conditions.

On Application

Card issue fee	FREE (Please see Terms and Conditions)
Additional card fee	£5.00 per month, maximum 1 additional card available
Limits	Minimum amount of initial load £10.00 Maximum initial load £1,250.00 Maximum card balance £5,000
Usage restrictions	For full details please refer to Terms and Conditions

Ongoing Features

Transaction fees	2.75% of the transaction value per purchase transaction outside the UK
Cash withdrawal fees	£1.00 for ATM withdrawals within the UK £3.00 plus 2.75% of the transaction value for ATM withdrawals outside the UK £3.50 for a cash advance within the UK £5.00 for a cash advance outside the UK
Balance enquiry	15p per balance enquiry by SMS
Top-up fees and limits	Maximum single load £1,250
Service fees	FREE replacement PIN

Closure

Cancellation or Redemption	£10.00 redemption fee to refund any balance on CardOneBanking Account closure
Expiry	Card valid for 3 years

*Subject to Identification and Residency Checks. **This product is not covered by the Financial Services Compensation Scheme. + Bouncing a payment means rejecting a payment.

CardOneBanking is a trading style of Spectrum Card Services Limited (Registered in England & Wales No. 6052256), which is a registered agent of Spectrum Payment Services Limited (Registered in England & Wales No. 6268340) under the FSA’s Payment Services Regulations 2009. Registered Office: 24 Nicholas Street, Chester CH1 2AU. Spectrum Payment Services Limited is authorised by the Financial Services Authority under the Payment Service Regulations 2009 No. 504547 for the provision of payment services. The cardone prepaid Mastercard® card is issued by Newcastle Building Society ("NBS") pursuant to license by MasterCard International Inc. NBS is authorised and regulated by the Financial Services Authority as an issuer of e-money (registration no. 156058). MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. ©2011 All rights reserved.