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Frequently Asked Questions

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Is a CUF Prepaid Card a normal debit card or credit card?

Is a CUF Prepaid Card a normal debit card or credit card? CUF Prepaid MasterCard® Cards provided by Cash Up Front (UK) Limited are not credit cards, charge cards or debit cards. CUF Prepaid Cards are reloadable cards, issued by a financial institution. Each time the card is used, the value of the purchase is deducted from the funds available on the card. Funds are loaded onto the card either at the time of purchase or at a later date. The value is held at a bank and not on the card. The card does not offer credit. In essence, you need to load funds on to your card before you can use those funds.

Can anyone apply for a CUF Debit Card?

Yes anyone can apply for a CUF Prepaid Debit Card. However due to international banking restrictions and money control measures in various countries there may be an issue for residents of certain countries to receive a card. We will advise applicants if they have been declined for any such reason and refund their money if paid and received. Such persons will however still be able to apply to be part of the CUF Rewards and Membership Program by emailing us at

What can I use my CUF Prepaid Card for?

The CUF Prepaid Card can be used for many purposes such as:

  • Share/Load wages to your card
  • To pay employees their wages onto the card
  • To manage payments for travel expenses, fuel expenses, subsistence, amongst others
  • To carry travel money on a card for safe and secure use abroad
  • To share money with friends and family through additional cards
  • To make or receive Insurance Claim payouts
  • To use safely and securely on Gaming sites and make
  • and receive winnings payouts
  • Online Shopping 24/7, 365 days of the year

Essentially, you can use CUF Prepaid Cards for your business or for yourself to make purchases online, over the phone and in-store at over 32 million locations worldwide, and withdrawals at over 1 million ATM locations worldwide wherever the MasterCard Acceptance Mark is displayed.

How do Prepaid Cards work?

CUF Prepaid cards operate on the standard MasterCard networks. The prepaid value loaded on the card can be used by cardholders at participating retail merchant locations for purchases and ATM's worldwide for withdrawals. Funds will be immediately debited from the cardholders balance upon authorisation of any transaction. Purchases or cash withdrawals are deducted from the balance until the loaded value is spent. The card can be loaded over and over again. A full transaction history can be viewed via an online e-account management facility and using mobile phone.

How can a cardholder load their card?

Any form of payment can be accepted, including loading via:

  • Cash at over 30,000 Payzone loading locations
  • Debit Card online
  • Via Bank Transfer or Standing Order
  • To carry travel money on a card for safe and secure use abroad
  • Via Wage Transfer

For more information, please refer to Loading Your Card.

When applying for a Prepaid Card, are customers required to sign an agreement or accept any terms and conditions?

Upon application all applicants must read and accept the terms and conditions of the card program. These terms and conditions are approved by the issuing bank. Click here to view the terms and conditions.

What process do cardholders follow once they receive their Prepaid Card?

Upon receipt of a Prepaid Card, cardholders must sign the back of the card in the box highlighted "authorised signature" and then activate their card as per the instructions provided in the welcome pack. Cards must be activated before cardholders can access their funds or load funds onto their Prepaid Card.

Can Prepaid Cards be re-loaded with additional funds?

Yes, CUF Prepaid MasterCard cards products can be topped up subject to the maximum balance available on the cardholder's card. Depending upon our client's requirements, cardholders can re-load (top up) their cards by telephone, online or by bank transfer.

How long does it take for topped up funds to be available on the card?

Upon authorisation of top-up transaction, funds will be available on the cardholder's card for use within a few minutes. For more details click here to view the terms and conditions.

Do Prepaid Cards utilize a PIN Number?

Yes. Usually the secure Personal Identification Number (PIN) is delivered two to three days after you have received your card . The Prepaid Card can be used at ATM's and point-of-sale (POS) locations worldwide. It is delivered separately from the card for security reasons.

How can cardholders check their balance?

Cardholders can check their transactions and e-account balance 24/7 – 365 days of the year through our Internet e-account management system.

Is there a limit as to how many Prepaid Cards customers can have?

Yes. This depends on the program definitions agreed with our clients.

Where can cardholders use their Prepaid Card abroad?

Cardholder's can use their cards to make purchases of products, goods and services at anywhere you see the MasterCard Acceptance Mark. CUF Prepaid Cards are accepted at over 34 million locations and 2.1 million ATM locations worldwide. In addition, cardholder's can use their cards online wherever the MasterCard Acceptance Mark is displayed.

What happens when a cardholder's Prepaid Card expires?

Any CUF Prepaid Card is valid for 24 months. Upon expiration, cardholder's cards will no longer be available for any use. Clients can select to automatically send cardholders a replacement card with all available balance on their new card or the cardholder can request a payment of the remaining balance on the card and close the account. For more details click here to view the terms and conditions.

What happens if a cardholder's card is lost?

Cardholders are required to contact the call centre and request a new card. The cardholder's card will then be cancelled and a replacement card will be sent to them subject to a replacement fee stated in the terms and conditions.

Will cardholders earn interest on the balance of their Prepaid Card account?

No, cardholders will not earn any interest on the balance of funds loaded onto their cards or incur any interest on their spending.

What are the fees for using a CUF Prepaid Card?

All fees can be viewed on our terms and conditions.

Do cardholders require a good credit rating in order to apply for a card?

No. The Prepaid Card is not a credit card. Neither is it linked to your bank account. Hence, no credit checks are required.