A prepaid card is a payment card that works a bit like a pay as you go mobile phone. You load it with money and can only spend what you’ve topped it up with. The card is personalised with your name, a chip PIN and unique Maestro® card number, so you can use it anywhere you see the Maestro® acceptance mark – in shops, on the internet, here and abroad. You can check your card balance online and via SMS. You can also view full details of all transactions online.

White Eagle™ Prepaid Maestro® card is not a debit or a credit card – so there is no credit check, even if you have poor credit history you can still get a card! When you use your White Eagle Prepaid Maestro® card, you are spending money you have already topped up into your White Eagle prepaid card, meaning all your purchases are prepaid. The White Eagle Prepaid Maestro® card is a payment card that works like a pay as you go phone – you need to put money on it before you can use it. When you use a debit card, you are using money linked to a bank account and when you use a credit card you buy now and pay later. With a White Eagle prepaid card you only spend the money you have loaded on your card.

Your White Eagle™ Prepaid Maestro® card is not a credit card or charge card; it's a prepaid card that carries a variable amount of money based on the amount loaded onto the card. Each time you use the card to buy something or withdraw cash at a cash machine, the purchase amount is deducted from the available balance.

No, you do not need to have, or open, a bank account to get a card.

To issue a card we will need your passport number or UK driving licence number, and a delivery address for the card. When you apply for your card, we will ask for your name, and full UK address with a valid postcode. We need this to deliver your card. However, we do reserve the right to decline your application if the details you provide do not match the details on our postal address database. We will also use external verification agencies to confirm your address as part of our commitment to fraud prevention.

You can use your White Eagle™ Prepaid Maestro® card at over 9 million retail outlets and over one million cash machine locations worldwide, wherever the Maestro® acceptance mark is displayed.

Receive your wages; Everyday shopping; Internet shopping; Mail order and telephone order; Topping up your mobile phone; Paying bills; Paying monthly subscriptions; Withdrawing cash from Cash Machines

No. A Prepaid card doesn't offer you credit, so we don't need to run a credit check or check your credit history.

There is an issue fee of up to £9.95. Other card usage fees apply and these are clearly detailed in the Fees Summary section of your White Eagle™ Prepaid Maestro® card terms and conditions.

Yes. Your White Eagle™ prepaid card is Chip and PIN protected for added security. You will receive a Personal Identification Number (PIN) which you use with your White Eagle prepaid card to get cash from any cash machine displaying the Maestro® acceptance mark or to purchase goods or services at merchants. For your peace of mind, your money is held safely at Newcastle Building Society. If you lose your card, your card, funds and PIN will be replaced in accordance with the terms and conditions.

You can order your card from this website. You can pay for the card online using any existing debit or credit card. To issue a card we will need your passport number or UK driving licence number, and a delivery address for the card. You do not need a bank account, credit history, or proof of address.

100% approval guaranteed - no need for credit checks or a credit history. Convenience. White Eagle™ Prepaid cards can be used wherever Maestro® cards are accepted. No interest charges on the card. There's no danger of going overdrawn on the card. Once the money loaded onto the card has been spent, you can't spend any more until you've topped it up. Eligible to use Eagle Talk™ our incredible and low cost calling service.

You will normally receive your personalised White Eagle™ prepaid card within 7 to 10 days of paying for your card. Your PIN will arrive separately a few days later.

Yes, but you will need to activate it first (just see the question below)! Once your prepaid card is activated and loaded with money you can use it to pay for whatever you want, wherever you see the Maestro® acceptance mark.

You must sign your White Eagle™ Prepaid Maestro® card as soon as it is received. You must then activate it before you can access any money on your card or any funds can be loaded. You can activate your card by following the instructions on the card when you receive it.

We never issue your PIN number with your card. Your PIN will be sent to you within five days of us sending you your card.

It makes good sense to change the PIN from the one you are initially issued with to one that is easy to remember. This is easily done at most cash machines in the UK or abroad. All you do is insert your White Eagle™ prepaid card and enter the PIN you were issued with. If the PIN change option is on offer at the cash machine you are using, the instructions will pop-up on the screen.

Simply go to www.white-eagle.com/activate and activate your card. Alternatively you can call the Customer Services team on 08448 115 115 (calls will be charged at 5p per minute from BT landlines and may be recorded. Other operator's charges may apply) ot text ACTIVATE followed by a space and your 16 digit card number followed by another space and your date of birth (ddmmyyyy) to 83283.

The companion card is an additional card which you can send to your family and friends back home. You can transfer money between your primary card and the companion card for FREE.You can have up to three companion cards. Companion cardholders must be 13 years or older.

It's easy. You can request additional cards by logging onto the members area of the website www.white-eagle.com/members or by calling our Customer Services team on 08448 115 115. You can have up to three companion cards. Each additional card costs £9.95 to purchase. See terms and conditions for full details.

You must be 18 years or older to buy a White Eagle™ prepaid card. You can buy a companion card as a gift for someone else. However they do need to be aged 13 years or older. So you could for example buy one for your 14 year-old child, or give it as an alternative to pocket money. When buying a card for a young teenager, we recommend it is used with parental guidance.

We are not able to offer top-up by credit/debit card at the moment. You can, however, top-up your card with cash at a PayPoint or with a standing order from a bank account or you can have your wages paid directly into your White Eagle™ prepaid card.

PayPoint: Once loaded, funds will normally be available for use on the Prepaid Maestro® card within a few hours.  Wages paid directly onto your card or funds transferred onto your card using a bank standing order may take a few days to become available as the transfer has to go through the banking systems.

You can use the PayPoint locator on the White Eagle™ website to find your nearest PayPoint outlet.

In shops, online, abroad, over the telephone and mail order. Your White Eagle™ Prepaid card is Maestro® enabled, so you can use it wherever you see the Maestro® acceptance mark.

Yes. You can get cash from any cash machine that displays the Maestro® card acceptance mark, up to the amount that's on your card or up to a limit of £250 per day. Please see below for more information about the cash limit you can withdraw from your card. There is a withdrawal fee of £0.50 per UK transaction and £2.00 per international transaction (selected Cash Machine owners may charge additional fees).

No, you can't get cash from a bank using your card (other than at a cash machine) however you can get cashback when shopping in certain stores within the UK.

Yes. You can use your White Eagle™ prepaid card for cash-back transactions in the UK.

Yes. The maximum amount you may withdraw per day at a cash machine is £250. If you are withdrawing cash from a cash machine abroad the maximum withdrawal amount is subject to the country’s limits. If you reach the daily limit you can still purchase goods and services from retailers provided you have sufficient funds on your card.

The maximum you can top-up via PayPoint is £499 and via BACS or standing order the limit is £2,500. Also, the total balance on all of your cards cannot exceed £3000 at any one time. There are also restrictions on the number of top-ups you can make each month - for further details on these limits, see the full terms and conditions.

Your White Eagle™ prepaid card can be used in the same way as a debit or credit card.  There are 9 million Maestro® card retail outlets globally ready to accept your White Eagle prepaid card provided you have sufficient funds on your card. You can use your prepaid card online, by phone and in store, for everyday purchases whether groceries, petrol, paying bills, booking travel and even topping up your mobile phone.

Yes. You can use your White Eagle™ prepaid card to purchase goods and services online.

You may not be able to use your White Eagle™ prepaid card if a retail outlet is unable to obtain authorisation for the spend you wish to make. White Eagle prepaid cards may also not be accepted for the hire of a car. This may be due to the extended time period that can occur when a transaction is authorised and when funds are deducted from your card or because of the difference that can occur between the amounts authorised and the amount subsequently claimed.

You need to use the registered address of the primary cardholder. This is also true if a companion cardholder makes a purchase. Remember you can always update your details by visiting the Members area.

Yes. Your White Eagle Prepaid Card is welcome wherever the Maestro® Card acceptance mark is displayed, at more than 9 million retail outlets globally. You can also use your card to get cash at Card cash machines all over the world. There is a withdrawal fee per transaction and selected Cash Machine owners may charge additional fees. See terms and conditions for full details. To find a Maestro® Card cash machine abroad click here.

MasterCard® supplies the currency conversion rates to all card issuers on a daily basis.

Your card might not work for a number of reasons: 1.   Your card is damaged. 2.   You have no balance left on your card and need to top-up. 3.   We have blocked the card for security purposes or on your. instructions. 4.   The card has expired, please check the expiry date on the card itself. Please call Customer Services on 0844 115 115 for assistance.

Each retail store has its own return policy and will handle returns as they would with any other Maestro® transaction. They put the money back on your card, give you a cash refund, or a store credit.

If you decide to cancel a transaction that has already been authorised, it may take a few days before your funds can be cleared for use on your card again. In the meantime, you won’t be able to use those funds for other transactions.

You will not receive a paper statement, however, you can view your current balance and recent transactions online FREE of charge at www.white-eagle.com/members

You can check your balance and transaction history online for FREE! Alternatively you can call Customer Services on 08448 115 115 (calls are charged at 5p per minute from UK landline - other network charges may apply). To check your balance using your mobile phone, just text BALANCE followed by a space and the last 4 digits of the card number on the front of your card to 83283. Your card balance will then be returned to you by text. The SMS service is FREE for the first 8 transactions per month after which the cost of each text to you is 12p and this will be deducted from your mobile bill. If you are using a pre-pay mobile phone, please make sure you have enough credit before texting. The mobile phone you use must have the same number as used on your White Eagle™ prepaid card application. If your phone number changes or you didn’t include a mobile phone on your application, please contact us from the "your details" section of the account maintenance functions.

You can have your wages paid directly onto your White Eagle™ prepaid card. Simply click here to print out our wages payment form or fill out the form in your Welcome Pack. Read the instructions carefully, then simply complete the form and hand it to your employer to process.

In some circumstances, you may need a minimum balance in your White Eagle™ Prepaid Maestro® card for your card to be accepted.

On rare occasions, when a merchant cannot go online and check with us how much money you have on your card, your transaction may be declined

Like debit and credit cards, a transaction is pending when a merchant or retailer requests confirmation that you have funds available for the transaction. We have confirmed that you had the funds available and we are holding them for the merchant or retailer to process the transaction. We hold them up to 15 days for the merchant to confirm the transaction. If the transaction is not confirmed by the merchant within this timeframe the funds will be released back to your available balance. It will appear as "pending" when you view your statements online. If you want to cancel a pending transaction or have any questions about the transaction please contact the merchant directly as they will have to cancel it.

There is no interest to pay and no late payment fees on your White Eagle™ prepaid card. It is not a credit card so you can not usually exceed the funds you have on your card. All fees and charges applying to your card are set out in the terms and conditions.

You will not earn any interest on any funds loaded on your White Eagle™ Prepaid Maestro® card.

If your card still has funds on it and in good standing, we will automatically send you a replacement card one month prior to the expiry date of your current card. If you do not receive the replacement card, please contact our Customer Services team on 08448 115 115 to request a replacement. You will not lose any funds on your card if you do not receive a replacement card before your prepaid card expires. Please see the terms and conditions for more information.

If you want to cancel your card, just call our Customer Services team on 08448 115 115

You must let us know as soon as possible by logging in and using the 'Your Details' facility on the website if you change name, address, phone number or e-mail address. If we contact you in relation to your Prepaid Maestro® card, for example, to notify you that we have cancelled your Prepaid Maestro® card or to send you a refund by cheque, we will use the most recent contact details you have provided to us. Any e-mail to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not told us.

It is your responsibility to ensure that there are sufficient funds on your card to cover the fees. If there are insufficient funds on the card then transactions will be declined and the card may be blocked for further usage.

If you lose your White Eagle™ prepaid card or it is stolen, you must call our Customer Services team immediately at 08448 115 115  (calls will be charged at 5p per minute from UK landlines and may be recorded. Other operator's charges may apply). By following the procedures outlined in the terms and conditions any unauthorised charges on your card will be refunded after you receive a replacement card. You may be required to help us, our agents or the police, if your card is lost or stolen or we suspect that the card is being misused. See terms and conditions for full details.

Just give our Customer Services team a call on 08448 115 115 and we will assist you in creating a new password to access your information online.

If you believe that any of the transactions on your card are unauthorised or you believe a transaction has been incorrectly posted to your card, you may claim a refund of the applicable amount by phoning our Customer Services team on 08448 115 115 or by writing to us within 14 days of the date of the relevant transaction. If our investigations uncover that the disputed transaction was genuine and authorised by you or an additional cardholder, you may be charged an investigation fee. See terms and conditions for full details.

You can contact us by calling Customer Services on 08448 115 115. You can also contact us by using the e-mail enquiry facility on the website at www.white-eagle.com or by writing to Customer Services at White Eagle, PO Box 1294, High Wycombe, HP10 9TG

Visit our frequently asked questions pages and other areas of this website. Visit the Members Area to: Activate your card Check your card balance Check your last transactions and payment information Change your security code Edit your personal details Change your members area password Add a companion card for a family member or friend

Please visit our Member’s Area to update your contact details. Alternatively, please contact Customer Services on 08448 115 115 and they will amend your records.

Customer Services are open 9.00am to 6.00pm Monday to Friday excluding UK public holidays. You can report a Lost or Stolen card 24 hours a day, 7 days a week on 08448 115 115.

We hope that you never have to complain about our products or services, however we accept that on some occasions things can go wrong. Where we’re at fault, we want to put things right as quickly as possible, and will apologise to you. If you are unhappy with our products or services for any reason, you should tell us so that we can investigate your concerns. You can tell us: by telephone on 08448 115 115; fax on 01628 534 535; email at CustomerServices@white-eagle.com; or by writing to Customer Services at White Eagle, PO Box 1294, High Wycombe, HP10 9TG. In most cases, we hope to resolve any problems within 24 hours. In some cases, we understand that it’s not possible to resolve a problem in that timeframe, and in those cases we will write to you within 5 days of receiving your complaint to acknowledge your concerns, and will provide you with details of our complaints procedure. If you remain unhappy after your complaint has progressed through our complaints procedure, you may be able to refer your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent and impartial service that looks to settle individual disputes between businesses providing financial services and their customers – this is free for customers. You can contact the Financial Ombudsman Service by telephoning 0845 080 1800.

Eagle talk is our International call saving service. It operates in much the same way as a calling card service where you dial an access number first (which you pay the cost of) and then dial an international or other destination number which is charged at the great value Eagle Talk call rates.