The Smart Way to Manage Your Travel Money Welcome

Transcription

1 The Smart Way to Manage Your Trave Money n - Card design 5384 Wecome

2 WELCOME TO THE WESTERN UNION SM TRAVELWISE TM CARD Thank you! Let s stick together Let s get you started We re so peased you decided to get a Western Union SM TraveWise TM card, the smart, reiabe and convenient way to manage your trave money. Your Card is chip and PIN protected, not inked to your bank account and safer than cash, but more convenient than traveers cheques. There wi be no need to check bank opening hours, as your money wi be avaiabe day or night at miions of ATMs wordwide, dispaying the MasterCard Acceptance Mark. Aternativey, you can use your Card to pay in store or onine, as ong as the merchant accepts MasterCard cards. In addition to packing the essentias for your trip, we recommend you take this booket aong with you. If you need our hep, it wi come in handy. We know you re busy panning your trip and with 3 EASY STEPS your Card can be up and running. STEP 1 STEP 2 STEP 3 Sign the back of your Card. Get your PIN number by foowing the simpe instructions on the sticker on your Card. Your Card is then ready to use. Your onine Card account has aready been created. You can og in to My Account at to view your Card baance, move money between Currencies and check your transactions. Aternativey, downoad the Western Union TraveWise Card App to your mobie phone to manage your Card account whist on the go. That s it. You re ready to trave and spend!

3 How to..? Reoad your Card Move money from one Currency to another Yes at or through your own internet banking Yes at Yes Yes See for a reoad options Get a PIN reminder No Yes No Check your baance Get back the money you haven t spent (Cash Out) Te us your Card is ost or stoen ONLINE PHONE MOBILE APP Yes at Yes (this wi be the tota of a your Currency baances ony) No Yes No Pease ca Card Services straight away (see Phone section in this booket for contact numbers) Yes Yes

4 Things you can do with your Card Buy things for yoursef, friends or famiy in shops and onine Pay for meas and trips Withdraw oca currency from ATMs Pay in oca currency When you re on your traves, you may get the choice of paying in Pounds Stering rather than the oca currency. By choosing to pay in the oca currency, you may avoid an extra foreign exchange conversion at additiona cost to you. Remember that if the oca currency is not one of the Currencies on your Card, or you do not have enough funds in this Currency, the rest wi be taken from another Currency on your Card, and you wi be charged a foreign exchange fee. Pease ook at the fees and imits tabe to find out more. Things you shoudn t do with your Card Whist your Card is reay adaptabe, it s not suitabe for everything. You shoudn t use your Card as a deposit with car hire companies, hotes or cruise ines. This is because they wi estimate the fina bi and wi require a sum of money to be reserved on your Card to cover this. You wi not be abe to spend the reserved amount for some time.

5 Your Card is smart Here for the ong hau Keeping you on track Your Card can carry up to 7 Currencies every time you trave and aways knows which Currency to use. Load it with: Pounds Stering Euros US Doars Austraian Doars Canadian Doars New Zeaand Doars and/or South African Rand, and keep it oaded with the reevant Currency (or Currencies). If you don t have enough of the oca Currency on your Card, it can hunt through the other Currencies on your Card, in the order described above, to see if they can cover the bi. Pease bear in mind that you wi be charged a foreign exchange fee, shoud this occur. You can view this in the fees and imits tabe. Your Card isn t just for one trip; you can use it again and again (up to the expiry date shown on the Card) and simpy reoad it when you next go traveing #. You can keep your Card free of charge for 12 months from the date you ast bought something, made an ATM withdrawa or added money to your Card. If you have not had some activity on your Card (such as buying something, making a withdrawa or reoading) for 12 months or onger, then you may incur a fee. This is shown in the fees and imits tabe. ## Subject to Card imits If you have a probem using your Card, here are the things you shoud check first If you ordered your Card onine, you need to activate it before it wi work. Your Card wi have a sticker with instructions about how to do this Check you have enough money on the Card for the purchase you wish to make Check you are using the correct PIN. The How to..? section of this booket advises you how to get a reminder 4 5 Check that the merchant you are purchasing from accepts MasterCard cards Your Card has maximum imits on how much you can withdraw or spend, for exampe a maximum daiy amount that you can spend in a shop. These imits are shown in the fees and imits tabe. In addition, some ATMs may have their own imits If none of the above appies to or resoves your query, then it s worth reviewing the Frequenty Asked Questions in this booket and onine at

6 Frequenty asked questions Can I change my PIN? Yes, you can change your PIN at any participating UK ATM that accepts MasterCard cards. My Card has been ost / stoen / damaged Ca us straight away. We have a dedicated team of friendy and expert staff ready to hep you. We won t eave you stranded and, subject to avaiabiity, can offer emergency cash (up to the avaiabe baance on the Card) and/or a Repacement Card. Wi my Card work anywhere in the word and in any currency? Your Card wi work neary everywhere in the word where the MasterCard Acceptance Mark is dispayed. Pease visit the ATM ocator section at for a ist of countries where you cannot use your Card. You can use your Card to pay in any currency, athough bear in mind that you wi have to pay a foreign exchange fee if it is a currency not avaiabe on your Card, or if you have insufficient funds in that Currency on your Card. Pease see the fees and imits in this booket. Need some hep? We re here for you 24 hours a day, 7 days a week on emai, onine and on the phone. Emai If you have a query that is not Card account specific, you can emai cardservices@accessprepaidww.com Onine The Before You Go section on our website contains usefu trave information.

7 Phone If you need to report a Card ost, stoen or damaged or have a query that is Card account specific, you can ca Card Services on: (pease note, charges may appy if caing from a hote or mobie) Caing from Ca free on Austraia Brazi (from andine) Brazi (from mobie) France New Zeaand South Africa Spain UK USA/Canada A ist of freephone numbers from over 50 countries is avaiabe on Aternativey, you can use the number beow ( Anywhere in the word ) to contact Card Services. Anywhere in the word (incuding mobie) Pease remember to add the internationa prefix of the country you are in at the beginning of this number (in most cases 00). Cas to this number are not free of charge.

8 Fees and imits Fees Card fee Fee for oads and reoads into GBP Currency funds 2% Fee for oads and reoads converted into a other Currencies Paying in shops, restaurants, hotes and onine 1 (some merchants may charge their own fee) ATM withdrawas 1 2 (Some ATM operators charge an extra fee) Withdrawing cash over the counter in a bank Additiona Card Non-emergency cash out through Card Services Shortfa fee This tabe shows how much you pay for different Western Union TraveWise card services. Repacement Card Transferring money from one Currency to another (aso known as Currency transfer fee) GB 1.50 / EU 1.75 / US$2.30 / AU$2.30 CA$2.40 / NZ$3.00 / ZAR20 GB 6.00 / EU 7.00 / US$9.50 / AU$9.00 CA$9.50 / NZ$12 / ZAR75 GB 6.00 / EU 7.00 / US$9.50 / AU$9.00 CA$9.50 / NZ$12 / ZAR75 GB 10 / EU 15 / US$15 / AU$20 CA$20 / NZ$25 / ZAR140 Aocating money from one Currency to another is subject to an exchange rate which is communicated to you at the time of the transfer Not using your Card for a ong time? If you don t use your Card for 12 months, this fee (aso known as inactivity fee) wi be taken off 2.00 your baance each month 3 Foreign exchange fee 5.75% Annua Card account fee 1 Merchant transactions and ATM withdrawas in a currency other than a Currency avaiabe on the Card wi be exchanged to a Currency on the Card at an exchange rate determined by MasterCard on the day the transaction is processed, increased by 5.75% (the foreign exchange fee). These fees and imits can change. You can find out more in your terms and conditions. We keep the atest version onine at Limits Maximum tota baance at any one time (incuding a Currencies) Maximum oad and reoad Maximum Card imit The most you can oad onto a prepaid cards issued to you by us during any 12-month period, incuding a Currencies Minimum oad and reoad Withdrawing cash from ATMs (Some ATM operators may set their own imits) GB 5,000 GB 5,000 GB 30,000 GB 50 GB 500 per 24 hours Withdrawing cash over the counter in a bank 150 Spending money in shops, restaurants etc. (Some merchants may set their own imits) GB 3,000 per 24 hours Maximum number of Additiona Cards 1 Card ifetime This tabe shows the imits on using your Card. The imits are given in GBP, but they incude a the Currencies oaded on to the Card. Maximum number of tries when entering your PIN See Card for expiry date Three in each 24-hour period Maximum number of active Card accounts at any one time 1 2 If the Currency of your transaction matches one of the Currencies on the Card and there are sufficient funds in that Currency to cover the whoe transaction, the ATM fee for that Currency wi be appied. If the Currency of your transaction does not match one of the Currencies on the Card or there are insufficient funds in the reevant Currency to cover the whoe transaction, then the GB ATM fee wi be appied and wi be converted into the ast Currency being used to fund the transaction at a foreign exchange rate determined by MasterCard on the day the transaction is processed. 3 If, foowing the debit of any monthy inactivity fee, the Card Fund baance is ess than the fee, we wi waive the difference. Western Union SM TraveWise TM card is issued by R. Raphae & Sons pc, pursuant to icense by MasterCard Internationa Inc. MasterCard is a registered trademark of MasterCard Internationa Incorporated. CP10472/V1/0813