Travel Money Card

Lloyds TSB Travel Money Card Conditions of use

These are the conditions of any agreement (“Conditions of Use”) between Lloyds TSB Bank plc of PO Box 5877, Milton Keynes MK10 1EU, and you the person named on the Card. In Condition 11 we set out special meanings we have given to some words in this agreement.

Important Details

This Card is an e-money product and therefore the Financial Services Compensation Scheme does not apply to it. This means that in the unlikely event that we become insolvent, the Card may become unusable and you may lose the value stored on your Card.

• The Card is issued by Lloyds TSB Bank plc, subject to these Conditions of Use as may vary from time to time.
• The Card is a Euro or US Dollar denominated Card which can only be loaded using a Sterling credit or debit card.
• You can access money to pay for Purchases or to obtain cash at ATMs.
• Certain fees and charges also apply to the use of the Card (see Condition 7 for details).
• The Card should be activated within 7 days of receipt.
• You must be aged 16 years or over at the time of application and must have a UK address.

1. Your Card

1.1  As soon as you receive the Card, please read these Conditions of Use and if you are happy with them please sign the Card. If you do not wish to be bound by these Conditions of Use, you can return the Card to us (cut in half across the magnetic stripe) within 14 days from the day you received the Card. Funds loaded onto the Card will be re-credited in full to the debit or credit card that was used to load the Card and you will not have to pay the Cancellation/Redemption fee (see Condition 7). 

1.2  Your Card is only valid for the time period printed on it. You must not use it outside that period.

1.3  Before a Card expires you may ask us to issue you with a replacement Card. If we do this we will charge a re-issue fee of £5.

1.4  You must not allow anyone else to use your Card or Card number, and you must always keep your Card safe. Do not alter or deface your Card. You must follow any instructions we give you in connection with the use and safe keeping of your Card and Card number.

1.5  You must activate the Card before you use it. To activate the Card call us on 0845 603 0599 or (+44) 207 481 4783 from abroad. In these Conditions of Use, references to the use of the Card shall include the use of the Card number (for example, for telephone or internet purchases).

1.6 Interest will not be payable in respect of any money held on the Card.

1.7 The Card belongs to us and must be returned immediately if we ask you to do so.

2. PIN

2.1  You must memorise your PIN. If your PIN has been sent to you then you must destroy the slip on which it is printed. Your PIN must be kept secret. Do not let anyone else know it, or use it. Never write down or record your PIN or other security information.

3. Lost or stolen cards

3.1  You must contact us urgently if your Card is lost or stolen or a Card or PIN is misused (or you think it may be). Our address and telephone numbers are: Lloyds TSB Travel Money Card Services, PO Box 5877, Milton Keynes MK10 1EU; phone (24/7) 0845 603 0633 or (+44) 207 481 4783 from abroad. If you later find the reported Card, you must destroy it.

3.2  You will not have to pay us anything for unauthorised use of your Card unless we can show that you have shown someone (other than a retailer) your Card (or details of it), or you have not used reasonable care to protect the Card or have acted fraudulently. In this case, you will be liable for all use of the Card before you give us notice under the above condition. You will not have to pay us for unauthorised postal, telephone or internet Transactions made by someone other than you.

3.3  You must give us any information we ask you for in order to get the Card back or to stop misuse. We may pass this information to retailers and other businesses accepting cards, people acting for us and the police.

3.4  In the case of theft or possible fraud, the Card will be cancelled and the value on the card will be frozen. This value may then be transferred to a replacement Card.

3.5  If the Card is reported lost or stolen, we may provide you with a new Card and transfer the remaining money onto the new Card.

4. Using your Card

4.1  The Card is a VISA card and may be used wherever VISA Cards are accepted.

4.2  For Purchases you will be asked to sign a voucher or to key in your PIN. Telephone, mail order and internet Transactions can be completed without doing either.

4.3  If you use the Card to draw cash from a machine operated by another bank, the bank which owns the cash machine may charge a handling charge. You may be charged for using a cash machine within the LINK network. Should a charge apply you will be notified on screen of the exact amount of that charge and who is levying it. You will be given a ‘yes/no’ option to proceed or cancel the Transaction.

4.4 If you attempt to spend more than the Card balance your Transaction may be declined.

4.5  Any Transaction in a currency other than the currency of the Card will be converted into the currency of the Card at a rate of exchange for Transactions determined by VISA, on the date the Transaction is debited to the Card. A fee of 2.75% of the Transaction amount will be added to these Transactions (see Condition 7).

4.6 Once you have made a Transaction, you cannot cancel it. We will deduct the amount of any Transactions from your Card immediately.

4.7 We only credit refunds to the Card when we receive proper vouchers or confirmation acceptable to us. Refunds will normally be credited to the Card within two business days.

4.8  We are not liable if any Retailer, bank, ATM or other machine will not accept your Card. For example, if there is a problem with the phone line between the Retailer’s premises and our authorisation centre, we will not be liable for the failure to complete a Transaction.

4.9  The Card will be subject to restrictions relating to, for example, the amount that can be loaded on to the Card.

4.10  You may only hold one US Dollar and one Euro Card at any time. If you hold more than one Card in the same currency we will cancel the second or subsequent Card(s) and we will transfer the value in the Card cancelled to the initial Card. If we do this a Cancellation/Redemption fee will apply (see Condition 7).

4.11  We use systems to identify Transactions that seem unusual and help us to prevent the misuse of your account. If we think a Transaction involves misuse, we may tell the Retailer to turn down the Transaction or check with us before processing the Transaction. There might be a delay before a Retailer agrees to a Transaction and you might not always be able to make a Transaction straight away, or at all. If you are thinking of making an unusual Transaction, please let us know beforehand, so we can try to avoid delays. We may contact you about any Transactions using your Card that seem unusual. We will not be liable for any loss to you as a result of any delay, or if we do not allow the Transaction to be made.

5. Restricted Transactions

5.1  You can only make ATM withdrawals of up to £250 in one day. Please see the User Guide for other restrictions on the use of Card.

5.2 You must not use the Card for gambling activities or for making illegal Purchases.

5.3  You cannot use the Card to reserve services (such as rental cars or hotel rooms) or make instalment payments for Purchases already made. In addition, you cannot use the Card:

• to pay for fuel at an automated fuel terminal;
• to pay via Paypal or other similar accounts involving the transfer of money from the Card;
• recurring bill payments.

5.4  We may add to or amend the list of prohibited Transactions and we will notify you under Condition 8 of such a change, unless there are exceptional circumstances when we will notify you as soon as possible after the change occurs.

6. Loading and Reloading your Card

6.1  Only you can load money onto your Card.

6.2  Subject to the Card limits set out in the User Guide, you may load or reload money onto the Card at any time before the expiry of the Card using your Sterling credit card or debit card. Amounts are converted into US Dollars or Euros at the rate of exchange selected by us at the date the money is loaded. You can ask for the exchange rate when you load the Card.

6.3  Money loaded onto the Card will normally be available for use within two business days of loading. You will not be able to access the money on the Card in the intervening period.

7. Fees and Charges

7.1 The amounts of our fees and charges and details of when they will be payable are set out in the table below. The Card Purchase Fee must be paid separately at the time of purchase of the Card and will be debited to the Sterling debit or credit card used to load the Card.

* The fees marked with an * will be taken directly from the Card and therefore may be charged in the Euro or US Dollar equivalent, using the rate of exchange selected by Lloyds TSB on the date the fees are incurred.
8. Changes

8.1  We may change our fees and charges (or introduce new ones).

8.2  We may also make other changes to these Conditions of Use to:

• make a change to your benefit, or not affecting your rights or obligations;
• meet our regulatory requirements;
• correct errors, omissions, inaccuracies or ambiguities;
• reflect changes to the structure of our group;
• cover service differences for new computer or other processes;
• bring us into line with market practice; or
• reflect changes in customer demand or requirements.

8.3  We will give you at least one month’s notice of any change in these Conditions of Use. If a change in these Conditions of Use are to your disadvantage, you can write to us within 60 days to terminate our agreement (the change in the Condition of Use will not disadvantage you in the meantime).

9. Ending this Agreement

9.1 This Agreement may terminate upon the following events:

• you advising us that the Card is no longer required;
• automatically on the expiry date of the Card unless you request a replacement Card;
• us giving you 30 days notice or immediate notice in exceptional circumstances such as fraud;
• serious or persistent breach by you of these Conditions of Use.

9.2  Upon termination, the balance on the Card will be refunded to you by re-crediting the Sterling debit or credit card that was last used to load or to top up the Card. If, at the time of termination, the debit or credit card that was last used to load or top up the Card is no longer active, a cheque for the balance will be sent to you. If you prefer, we can issue you with a travellers’ cheque for the balance in the currency of the Card. A £5 Redemption Fee will be debited from the Card before the balance is refunded.

9.3  If upon expiry the value on the Card is below £5 the Card will be cancelled and we will not refund the remaining money.

9.4  After this Agreement comes to an end or your Card expires you must not use your Card but you will still be liable to us for any Transactions you have authorised and not debited to the Card.

10. General

10.1  This agreement is in English. You agree that we can communicate with you in English in relation to this Agreement.

10.2  You must tell us if your name, telephone number or address changes and, if we ask, confirm this in writing.

10.3  If you owe us money under these Conditions of Use but sufficient funds are not available on the Card, the sum will become due and payable by you immediately.

10.4  Provided you are not prejudiced, we may transfer our rights to someone else, but your rights under the agreement will not be affected if we do so. You may not transfer your rights under this agreement to anyone else.

10.5  We may offer (and withdraw) extra benefits and services. These conditions apply to them unless they are not appropriate or we agree different terms.

10.6  If we choose not to exercise rights against you or relax any term of this agreement, this may just be a temporary measure or special case. We reserve the right to enforce all of our rights strictly again at any time.

10.7  We are not liable for events beyond our reasonable control, such as failures caused by industrial action, machine, data-processing or transmission failures, or other events outside our reasonable control.

10.8  English law governs this agreement and any precontractual negotiations, unless your address on the application is in Scotland, when Scottish law applies.

10.9  We may record or monitor calls to you.

11. Definitions of some Words used in this Agreement

You
The cardholder named on the Card.

We/us/our
Lloyds TSB Bank plc.

ATM Withdrawal
Cash withdrawal from an automated teller machine (ATM).

Card
Your Lloyds TSB pre-paid Travel Money Card. Any reference to Card will also include any Card not yet activated.

PIN
The Personal Identification Number we give you or you choose to use with the Card.

Purchases
A payment for goods and services from a supplier that you make or authorise by Card or Card number.

Retailer
A person displaying the VISA logo who agrees to accept the Card as payment for goods, services or cash.

Transaction
Purchases and ATM Withdrawals.

12. Information about us

12.1  The Card is issued by Lloyds TSB Bank plc which is a company registered in England no 2065. Lloyds TSB Bank plc is authorised and regulated by the Financial Services Authority (reference number 119278) and subscribes to the Banking Codes.
We will only write to you in English.

13. Information about how to make a complaint

13.1 If you have a complaint about this service, please write to Lloyds TSB Travel Money Card Services, PO Box 5877, Milton Keynes MK10 1EU, or phone (24/7) 0845 603 0633 or +44 (0) 207 481 4783 from abroad.

13.2  If you are unable to resolve any complaint you may have against us after contacting our Customer Service Department you may apply to have your complaint resolved by the Financial Ombudsman Service.

My Personal Data and Lloyds TSB*

*The Lloyds TSB group includes all companies with the Lloyds TSB name, Cheltenham and Gloucester plc and Scottish Widows plc, and their associated companies. I agree that you may keep my personal data, given to you by me or other people during my relationship with you and other companies in your group*, in a Lloyds TSB database. This includes:

• details I give you in application forms;
• your analysis of my Transactions;
• what you know from operating my account.

Companies in your group may use and update this centrally held information to:

• provide me with services;
• identify products and services which might be suitable for me;
• assess lending and insurance risks;
• recover debts;
• prevent and detect fraud; and
• update their own records about me.

You may also use my information for research and statistical analysis with the aim of improving your service. If I request it, on payment of a fee, which is currently £10, you will provide me with a copy of the information you hold, in line with the Data Protection Act.
The information you hold about me is confidential. You will only disclose it outside the Lloyds TSB group* when:

• I give you my consent;
• it is needed by your agents and others involved in running accounts and services for me;
• you or others need it to investigate or prevent crime;
• the law permits or requires it, even without my consent; or
• there is a duty to the public to reveal the information.

You may administer my account and provide other services from centres in countries outside Europe (such as India and the USA) that do no have the same standard of data protection laws as the UK. However, you will have a contract in place to ensure that my information is adequately protected, and you will remain bound by your obligations under the Data Protection Act even when my personal information is processed outside Europe.

When assessing my application and managing my account, automated decision making systems may be used. I agree that when making credit decisions you may make searches at credit reference agencies, including electoral register information.

These searches will be recorded by the credit reference agencies. I agree that if I am applying in joint names, this will create a financial link between us in the records at the credit reference agencies meaning that my financial affairs and those of my joint applicant may be treated as affecting each other.

You may disclose how I have run my account to the credit reference agencies. You may check what I have told you and share information with fraud prevention agencies. I understand that it is important that I give you accurate information as if I give false or inaccurate data and you suspect fraud you will record this at the fraud prevention agencies.

If I ask you, you will tell me which credit reference and fraud prevention agencies you have used so that I can get a copy of my details from them. I confirm that I have consent for this agreement from any joint applicant who is not present, and I will share with them the details of what I have agreed to on their behalf.
You may monitor or record phone calls with me in case you need to check you have carried out my instructions correctly and to help improve your quality of service.

You may contact me about products and services available from Lloyds TSB group, and from selected companies outside your group which you believe may interest me or benefit me financially, unless I have told you that I do not want to receive this information. Other companies, including those in your group, will not make marketing approaches to me without my consent.