*Available after providing notarised ID documentation. Standard limit is 20,000 USD.


The T24 Black Visa Prepaid card comes complete with a load limit of up to 50,000 USD*, complimentary travel benefits of Priority Pass membership and premium travel insurance, and a full-featured range of web-based and mobile cardholder services


50,000 USD Load Limit*

With high limits, the T24 Black prepaid card offers a real alternative to credit cards.

Visa Prepaid Card

Reloadable prepaid card that works anywhere the Visa trademark is displayed

Use Worldwide

Can be used online, in-store or at ATMs in over 179 countries worldwide


Priority Pass Membership

Complimentary Priority Pass membership worth 99 USD, giving you access to airport lounges worldwide for 27 USD per visit

Read more

Premium Travel Insurance

Complimentary travel insurance, including medical coverage of up to 1,000,000 USD.

Read more

Mobile Application

Manage your prepaid card on the go with our cardholder services mobile application.

*Notarised ID documentation required


The T24 Black card is a full-featured prepaid card that gives you everything you need to fully manage and use your black card efficiently and safely, from wherever you are in the world


Activate/Register Your Card

When you first receive your T24 Black card you’ll need to active it by phone, using our IVR service. Once activated, you’ll then need to register your card with our cardholder services before you can use it.

After registering, you’ll be able to access your statements, transaction history along with other card management functionality both online, through our website, and on the go, through our iOS and Android cardholder services mobile apps.

  • Your card needs to be activated prior to use

  • This can be done via our web cardholder services or SMS functionality

  • You can register up to two different T24 cards

Track Your Spending

Our web-based cardholder services make it easier than ever for you to monitor and track your spending, giving you access to your statements and transaction history in real-time, wherever you are, simply by going online and logging in.

Through our web services you can also search your transaction history and export your statements to excel, allowing you to use your transaction data offline. We also offer a limited version of our cardholder services as a mobile app, available for both iOS and Android, which give you greater accessibility to your account history whilst on the go.

  • Track and monitor your spending

  • Review your statements online

  • Search your transactions online

  • Export your transaction history to excel

Card to Card Transfer

T24 Black cardholders can instantly transfer money between their card and that of another T24 cardholder at the click of a button, through our cardholder web services or SMS functionality.

With card to card transfers, you can send up to 1,000 USD, three times a day, between your T24 card and that of other T24 cardholders. These transfers are instant and carry a flat fee of 2 USD.

  • Transfer money from one T24 card to another

  • Can be made either though our cardholder web services or SMS functionality

  • Up to 1,000 USD can be transferred in a single Card to Card transfer

  • Card to Card transfers carry a flat fee of 2 USD


Complimentary Priority Pass membership worth 99 USD, giving you access to airport lounges worldwide for 27 USD per visit

With your T24 Black prepaid card you will receive a complementary standard Priority Pass membership, giving you access to 600 airport lounges in over 100 countries worldwide. With your membership, you and your guests will be able to access these lounges for 27 USD per visit, per person, allowing you to wait for your flight in comfort. Value of a standard Priority Pass membership is 99 USD per annum.

The T24 Black card is the first prepaid card to have been truly designed with travellers in mind, and as such, is the only prepaid card to offer complementary Priority Pass membership to its customers. Using your Priority Pass with us couldn’t be easier, as the cost of entrance to any participating lounge is charged directly to your T24 Black Visa prepaid card, making access and keeping a record of your lounge use simpler, as any visits will appear on your online card statement.

I use my Priority Pass card for business, but it's also a fantastic way to get in the holiday mood. It helps take a little of the pain out of the trip home.

To find out more about participating airport lounges please visit the Priority Pass website for a full directory. You may also wish to install the Priority Pass mobile app, available for iOS, Android and Blackberry, which allows you to view the lounge directory on the move.

The Priority Pass is the perfect travel companion and makes it easier than ever before to take the stress out of airport layovers, by giving you access to private, members only lounges designed with relaxation in mind Features of the Priority Pass and what your membership entitles you to include:

  • Access to over 600 airport lounges in more than 300 cities in over 100 countries worldwide
  • Including entry to over 70 lounges in the US, usually reserved exclusively for an airline's own programme members
  • Access to business facilities – Email, internet, phones, fax machines and even conference space in some lounges¹
  • Complimentary refreshments and snacks²
  • Entry for your guests – your guests can join you in the lounge for a nominal fee³

¹Specified lounges have internet and conference rooms – please check your lounge directory for details

²The provision of complimentary refreshments is at the discretion of the lounge operator and in some instances may be limited

³Depending on the terms of your package, a charge will automatically be made to your nominated card for each guest


Comprehensive worldwide travel insurance with up to USD 1,000,000 medical coverage.

Tailored insurance with travel in mind.

Purchase your international flight ticket with your T24 Black prepaid card and you are automatically covered by the T24 Black Travel Insurance for 30 days, allowing you to enjoy your holiday with comfort and security that comprehensive travel insurance gives you.

A unique feature of our prepaid card is that if you need to make a claim related to your Travel Insurance, the funds will be loaded directly onto your T24 Black Prepaid Card , giving you access to them when and where you need them, regardless of where in the world you might be travelling at the time.

The coverage in this policy is designed for safety during your international voyage and includes not only coverage against delays or lost luggage, but also medical, emergency dental treatment and evacuation up to 1,000,000 USD.


(This list is not exhaustive; please refer to the full Policy Wording for a list of all exclusions)

-- Any claim where you are entitled to indemnity under any other insurance policy including any amounts recoverable from any other source, except in respect of any amount exceeding that for which you are covered under such other policy, or any amount recoverable from any other source, had this insurance not been effected.

-- Death, illness or injury, directly or indirectly caused or exacerbated by, traceable to, or related to, an existing medical condition.

-- Pregnancy or child birth. This exclusion does not apply to the for emergency pregnancy related illness of the mother up to 20 weeks gestation provided it meets the criteria outlined in the definition of ‘existing medical conditions’. There is no cover for any expenses associated with or consequent upon the birth of a child, nor is there any cover for any newly born child.

-- Any cover if you are aged 65 years of age or over at the time the trip commences.

If You or a member of the travelling party

a. Fails to take reasonable precautions to avoid and/or minimise any loss

b. Deliberately injures themselves

c. Takes part in a riot or civil commotion

d. Travels in international waters in a private sail vessel or privately registered sail vessel

e. Takes part in, or trains for, a professional sporting activity or competitive contact sports A loss caused by, or in any way connected with a criminal or dishonest act by you or by a person with whom you are in collusion. A loss caused by, or in any way connected with any government intervention, prohibition, warning or regulation.

24 Hour Emergency contact (Northcott Global Solutions)

In the event of a medical emergency covered by this Insurance you must call our medical assistance provider:

Northcott Global Solutions

22 Bevis Marks London EC3A 7JB United Kingdom

Helpline: +44 (0) 207 183 8910

Website: www.northcottglobalsolutions.com

Northcott Global Solutions are on call to assist you with Medical emergencies whilst you are on a trip outside your country of residence and medical repatriation if necessary.

Non-emergency claims reporting (DCS Global Limited)

All claims MUST be notified within 90 days of completion of the relevant trip. If the claim is not notified within the 90 period it will be declined.

To help speed up the processing of your claim be sure to follow the instructions on the claim form carefully. It will advise you of what documentation you need to provide to support your claim. Claim forms are available from the details below:

Claim Line: +852 3421 1546

Email: T24.Claims@triton-global.com

Coverage Sum insured (USD) Excess / Limitation (USD)
Emergency Medical Expenses & Repatriation Expenses 1,000,000 250
Emergency Dental Expenses 1,000 100
Cancellation, Interruption & Delay
Cancellation 2,000 250
Additional expense 1,000 250
Trip interruption 1,000 250
Trip delay 100 Nil
Airfare compensation 250 75
Resumption of trip 250 75
Missed connection 100 Nil
Luggage/Personal Effects & Money
Luggage & personal effects 1,000 75
Dentures / dental prostheses 150 75
Emergency luggage 250 75
Cash 500 75
Replacement passport and travel documents 100 Nil
Personal Accident & Funeral Expenses
Accidental death 50,000 Accidental death benefit Limited to 5,000 in respect of persons aged 16 years or younger
Total loss of sign in one or both eyes 50,000
Permanent total disablement 50,000
Funeral Expenses 1,000

To view policy in more detail please click here.


This summary shows you the main fees and limits of the T24 Black prepaid card.
Download a full Fee Schedule or the complete Terms and Conditions.


Currency (USD)

On Application
Application Fee - T24 Black Full (20k Standard load limit, higher with extended ID verification) - Priority Pass and Travel Insurance 170 USD
Application Fee - T24 Black Limited (No complimentary Services) 110 USD
Activation Fee Free
Get PIN / PIN Change Free
Load & Transfer Fees
Card to Card Transfer (by SMS or Website) 2 USD
Bank/Telegraphic Transfer (TT) load 2 USD
Load Limits
Minimum Card-to-Card Transfer via Website or SMS 20 USD
Maximum Card-to-Card Transfer via Website or SMS 1,000 USD
Maximum Load Per Transaction (Bank/Telegraphic Transfer only) 20,000 USD
Maximum Load Per Day (Bank/Telegraphic Transfer only) 20,000 USD
Maximum number of Loading Transactions Per Day (including card-to-card transfers) 3
Maximum Card Balance - Standard ID Verification (15K Euro equivalent) 20,000 USD
Maximum Card Balance - Notarized ID Verification 50,000 USD
Maximum POS & Online Spend Over 4 Days - Notarized ID Verification 60,000 USD
Retail Purchase Fees & Limits
Retail Purchase Transaction FREE
Retail Transaction Refund FREE
Declined Transaction Fee FREE
ATM Fees & Limits
ATM Withdrawal - USD 1.20 USD
ATM Withdrawal - Non USD 3 USD
Maximum Number of Daily ATM Withdrawals 6
Maximum ATM Daily Withdrawal 2,000 USD
Foreign Exchange Conversion Fee
Foreign Exchange Markup (for transactions in a currency other than USD) 1.8%
Administration Fees
Monthly Service Charge (Charged from month 13 from activation onwards) 15 USD
Administration fee 50 USD
IVR Services FREE
Replacement Card (for lost/stolen/expired cards) 20 USD
Refund Fee (on early card cancellation) 25 USD


This is a summary of some of the most frequently asked questions we get from cardholders . If you have a question that isn't answered here please contact us.


How does the Card work?

The T24 Black Card is a reloadable prepaid card that looks and functions just like any other VISA card without offering a credit facility. Cards are activated and provided a PIN, over the phone. You may use the card at any POS, online or ATM terminal displaying the VISA® trademark. You must however load and have funds available on the card in order to use it. The value of a purchase is deducted from the funds available on the card.

Does my credit rating or bank account balance matter?

No, you can apply for and obtain a T24 Black Card regardless of your credit rating or bank account balance.

How do I manage my Prepaid Card Account?

Cardholders can transact with and manage their card accounts with the ease of a mobile phone SMS, including making fund transfers, card loading, checking balances etc. The T24 online transacting platform enables all these operations to be performed conveniently.

How do I load funds onto the card?

Cards may be loaded by a range of convenient means, including directly from bank accounts, from another T24 prepaid card and batch payroll payments. A card can be loaded over and over again and funds are available for use instantaneously.

Is my account, with full transaction detail and history available to view?

Yes, all account and transaction information is available 24/7 online via an account management facility. You can also check your balance and three last transactions anytime via SMS.

How secure are these cards? What if a card is lost/stolen?

The cards can be personalised and a PIN is associated with every card. All payments are made through a secure channel. In the event that a card is lost or stolen it can be blocked immediately, locking the funds on the card, and replaced. Exposure to a loss is limited to the amount of funds that exist on the card at any point in time.

How does the mobile functionality work?

For full information on the SMS functionality on your T24 Black Card, please see SMS functionality.

Can I block a card temporarily?

Yes, you may lock a card temporarily and unlock it at your convenience using SMS. Please see the SMS section for instructions SMS functionality.

How can I apply for a card?

You can apply online by clicking Apply Now. You will need a clear scanned color copy of your Passport and Proof of Address (Utility bill, Rental Agreement or Bank Account) that is no more than 3 months old.

When will I receive my card?

You will receive your T24 Black Card within 14 working days of your application being approved. If you fail to receive your card after this please contact our customer support team, details of which can be found on our contact us page.

May I apply for multiple prepaid cards?

The T24 Black Prepaid Card has a very high spending limit and therefore we have chosen to limit the amount of cards to one per person.

When can I start using my 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 over the phone before cardholders can access their funds or load funds onto their prepaid card.

Is any interest earned on the prepaid account?

There is no interest accrued on the prepaid funds.

What are the fees and terms and conditions?

The full Terms and Conditions with fees you can get here: Terms and Conditions.

Do the cards have an expiry date?

Yes, the T24 Black Card expires after 3 years. If the cardholder is actively using the card, a replacement will be offered. The validity period is printed on the front of the card.

How do I get my PIN?

Your PIN is retrieved through IVR. To activate your T24 prepaid card, have your physical card, and your access code ready. Then call +44(0)20 7281 6090 and follow the instructions.

What are the benefits?

To read about the full benefits of the T24 Black Prepaid Card, please see benefits section.

What is the minimum balance I have to keep on the card?

There is no minimum balance requirement on the T24 Black Prepaid Card.

What is 3D secure?

3D Secure is a safety protocol developed by VISA to improve the security of online payments. It works as an added layer of security.

Why is my card declined at self service petrol stations?

Self service petrol stations do not have the ability to check your balance online. For your security, we cannot authorize this type of transaction.

What happens if my application is declined?

The cost of the application will be reversed back to your credit/debit card without extra cost.

Can I use my card overseas?

You can use your T24 Black Prepaid Card anywhere in the world where the VISA Acceptance Mark is displayed.

How do I log on to my account?

You can log on to your account here: Account Login.


What is the minimum deposit payable to activate the travel insurance?

The minimum deposit required is equal to the minimum deposit required by the travel agency or airline to confirm a reservation on a scheduled flight.

What is the notification process?

There is no formal notification requirement, however, it is your best interest to notify the administrator of your intended travel itinerary within 24 hours prior to departure overseas so that they know when and where you are traveling. This will enable administrator and the assistance service team to be able better prepared to assist whenever and if ever the need arises. The travel assistance service will also provide a complementary overseas travel advisory with each and every travel notification.

When does travel insurance commence and when does it discontinue?

The complimentary travel insurance will commence from start of a scheduled overseas trip and will continue for up to 90 days from the date of departure or until the end of the return home, whichever occurs sooner.

Is there a medical emergency support service available?

Yes there is a medical assistance service available 24 x 7 x 365. The contact details will be provided together with the T24 Black Prepaid card membership materials.

Is there a formal claims notification requirement?

Yes, the administrator needs to be notified of any event that gives rise to a claim under the complimentary worldwide travel insurance policy. The administrator will issue payment guarantees for medical and dental claims and provide instructions to follow for submitting and processing claims. This process is called pre-authorisation which occurs automatically when the administrator is notified of a claim based on the strength of the information provided and subject to the claim falling within the scope of coverage provided. Contact details for the administrator will be provided together with T24 Black Prepaid Card member materials.

What is the claims settlement process?

All pre-authorised claims reimbursements will be settled by way of a cash credit that will be loaded on to the T24 Black card. T24 Black card members will then be able to use the T24 Black card to pay for claimable costs. Claims the exceed the loadable limit of the T24 Black card will be settled directly by the administrator.

What happens if the hospital or clinic does not accept VISA Cards?

T24 Black card members will have access to the cash loaded on to the T24 Black card through any VISA enabled ATM or bank teller to pay for the pre-authorised claim.

How long does it take to process and settle claims?

Pre-authorised claims can be settled on the same day subject to meeting the stated pre-authorisation criteria.

Who stands behind the complimentary worldwide travel insurance?

The policy is underwritten by a leading London based subsidiary of a major international insurance underwriter.

Is the international underwriter rated for its claims paying ability?

Yes, the underwriter is "A" (excellent) rated by AM Best for its claims paying ability.

Apply for your Black Card now


Transact24 genuinely believes in Prepaid Card solutions that make a difference in your life and your business. We also cater for corporate solutions, which you can learn more about here.

The head office of Transact24 is in Hong Kong and the card is issued out of UK. If you are curious about us, our cards or just have general questions, please use the contact form on the right.

A word from our Managing Director

We work hard on continuously improving our products and the offerings that our cardholders can enjoy. The best international Prepaid Card award in 2012 was a step in the right direction and spurs us on to be creative in our solutions.

Phillip Meyer - Managing Director, Transact24


8A Pitmans Alley,
Main Street,

+44 (0)20 7281 6090


About us

Transact24 genuinely believes in Prepaid Card solutions that make a difference in your life and your business. The head office of Transact24 is in Hong Kong and the card is issued out of UK.

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Contact us

Transact24 Trading Limited, 8A Pitmans Alley, Main Street, Gibraltar

+44 (0)20 7281 6090



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