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.

Apply for your Black Card now