Customer Terms and Conditions


These Terms & Conditions apply to your DigiDoe account and Visa prepaid or debit card which may be a physical or virtual card. Please read them carefully. You can download a copy of these Terms & Conditions at any time from within your online account portal. Log in via our website  In these Terms & Conditions: «Distributor» means DigiDoe Ltd who may distribute the account and card to you on our behalf. «You» means the named account holder being the authorised user of the DigiDoe account and Visa card and any additional cardholder. «We», «us» or «our» means DigiDoe Ltd or the Distributor acting on our behalf. If you have any questions you can contact Customer Services by:

A.   Lost and Stolen Card Telephone: +44 (0) 203 865 6467 (standard geographic rates apply);

B.   Online: Log in to your DigiDoe account at  and click on Contact Us to send us a secure message;

C.   Mobile App: click on Contact Us in your mobile app and send us a message;

D.   Post: DigiDoe Ltd, 167 Turners Hill, Cheshunt, Waltham Cross, Hertfordshire, EN8 9BH.
Your DigiDoe account and Visa card is issued by DigiDoe Ltd, 167 Turners Hill, Cheshunt, Waltham Cross, Hertfordshire, EN8 9BH, who is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (registered number 901043) as an Authorised Electronic Money Institution. Your DigiDoe account and card may be distributed by a third party on our behalf.


A DigiDoe Account is an electronic money account from which you can make and receive payments. You can use your account to make transfers to other accounts, set up standing orders, and make direct debit payments. A DigiDoe card is a Visa card that can be used worldwide wherever Visa is accepted. It can be used online, in shops, over the phone or to withdraw cash from an ATM. You can only spend money that you have paid into your account, so before making transfers or using your card you need to make sure there are enough funds in the account. Monies in the DigiDoe account are not bank deposits and do not earn interest.
You must be at least 18 years old and a UK or EEA resident to be issued with a DigiDoe account and card. You must provide a copy of your passport or driving license, proof of your residential address, email address, and a mobile phone number to open an account so that we can communicate with you. There is a maximum of 10 accounts at each residential address.


You can apply on our website, via Digidoe Apps that you can download from Google Play or Apple Store. Before we can open an account for you and issue you a card, we may require evidence of your identity and residential address, and we may also need to carry out checks on you electronically.


As soon as you receive your Visa card you must sign the signature strip on the back. You will then need to activate your card. You can do this by logging into your DigiDoe account. You also need to obtain your PIN to authorise chip-and-pin transactions and ATM withdrawals. You can get your PIN when you activate your card through your online account. By activating your card, you are agreeing to these Terms & Conditions. Your card must be activated within 3 months of it being issued or it may be automatically cancelled, and your account may be closed.


If you want to change your PIN, you can do so at any ATM with the Visa logo in the UK. You can get a reminder of your PIN through your online account at  or by mobile app. Please check the fee tables for any related charges.


You may pay into your account by a bank transfer from another bank. You cannot put cash into the account. Other methods of making payments to your account may be available and may include by transfer from a bank account or by cash at selected retail outlets. Details of payment methods are available at 
The time taken to credit funds to your account will depend on the method of deposit used. You cannot pay into your account by a balance transfer from a credit card. You may only pay in funds up to your maximum account balance. Certain minimum and maximum limits and usage requirements apply to your account and card; such limits and requirements are detailed in the Fees and Limits table (section 33). We reserve the right to refuse to accept any particular payment if we suspect any fraudulent activity or in the event of other exceptional circumstances.
As soon as we receive the funds that you have paid in, they will be on your account and ready to use. There may be occasions when we delay the funds reaching your account for up to three working days, this may happen when we need to confirm the transaction with the sending bank. Where an overpayment has been made to your account in error, we reserve the right to debit the account with the excess amount to correct the payment transaction. You may transfer funds to your envelopes within your account, details are available at the website  You are responsible for ensuring there are enough funds in your available balance for us to authorise your transactions or enough funds in your envelope to pay any future standing orders or direct debits you have set up.


The first step will be to follow the instructions of the merchant or ATM to authorise a transaction.

A card transaction is authorised when you:
A.   enter your PIN or provide any other security code;

B.   sign a sales voucher;

C.   provide your card details and/or any other details as requested; or
D.   wave or swipe the card over a card reader.
Like other payment cards, we cannot guarantee a retailer or ATM will accept your card. An account transaction is authorised by you when you access your online account using your personal security details and submit a transaction request or where you have set up a Direct Debit instruction. You must ensure that you input the correct bank account details for any payment you request from your account. You may, in addition, be required to enter a one-time passcode or other security information including biometric information to authorise a transaction or make account amendments. One-time passcodes will be sent to the mobile phone number registered to your account. As soon as a transaction is authorised, we will deduct the value of your transaction from the available balance on your account. Fees may be deducted at the time of authorisation or when the transaction has been confirmed through the Visa system. A full breakdown of each transaction, including charges, will be available to view on your online account portal. Once we have received authorisation for a transaction, we will transfer funds to the retailer within 3 days or to a bank or financial institution on the day we receive the authorisation or the day you requested the payment to be made for future dated transactions. A transaction will be received as follows:

A.   for purchases and ATM transactions, at the time we receive the transaction instruction from the retailer or ATM operator;

B.   for other transactions that are communicated directly to us, at the time you ask us to complete the transaction or if after 2.30 pm for same-day bank transfers (CHAPS) and 5 pm for other bank transfers the instruction will be deemed to have been received by us on the following business day.


Generally, authorisation for a transaction may not be withdrawn by you. However, you may be able to withdraw your authorisation where you have authorised a transaction which will take place on a future date. However, where a specific date is agreed upon, you may not revoke a payment order after the end of the business day preceding the agreed date. To withdraw your authorisation of a Visa card continuous payment authority, you must notify the retailer before the close of business on the business day before the day on which the transaction was due to take place and provide us with a copy of the notice if requested. We may charge you an Administration Fee if a transaction is revoked by you under this paragraph (see the Fees and Limits table (section 33).


Your card is denominated in British Pounds Sterling, Euro, or US Dollar. If you make a purchase or an ATM withdrawal in any other currency, we will convert the sum into the card currency using the exchange rate set by Visa on the day they process the transaction, this may differ from the actual date of the transaction. An international transaction fee will apply to each of these transactions (see the Fees and Limits table (section 33). Any changes to the exchange rate used to convert foreign transactions will be made immediately. You can find the exchange rate for a transaction made in a currency other than pounds sterling on a given date at


You may not use your card for illegal purposes. It also cannot be used for a limited number of specified transactions. Please see our website for details at


You can check your account by accessing it securely through our mobile app or website Your statement will show:

A.   information on the payee of each transaction and a reference enabling you to identify each payment transaction;

B.   the amount of the transaction shown in the currency in which the transaction was paid or debited to the account;

C.   the amount of charges for the transaction;

D.   the exchange rate used in the payment transaction (where applicable); and

E.   the date the transaction is authorised or posted on to the account.
This information is accessible at all times via your online account portal, is available free of charge, and can be stored and reproduced as necessary. Paper statements are available on request and are subject to a fee (see the Fees and Limits table in section 33).


Your card will be valid for 3 years. You will not be able to use your card after its expiry date. This agreement shall terminate when your card is cancelled or expires and is not replaced.


You can only spend the money that is paid into your account. Limits also apply to daily ATM withdrawals, and other limits may be applied to the amount spend and the number of transactions you can perform.
See the Fees and Limits table (section 33) and your online account portal for further details. If for any reason, the transaction is completed when there are insufficient funds in your account then you will have to reimburse the shortfall to us, unless it is due to an error by the retailer with whom you made the transaction. We may collect this shortfall from any card you have with us or from any funds which you subsequently pay into your account. We may suspend your cards until the negative balance is restored and charge you an Administration Fee (see the Fees and Limits table (section 33)) for transactions that you make using your card that results in a negative balance or increases the negative balance on your account.


If you dispute a transaction that has been processed on your card you should contact the merchant first as this may lead to the quickest resolution. If the dispute cannot be resolved with the merchant or you dispute any other account transaction you should contact us without undue delay and in any event within 13 months on becoming aware of any unauthorised or incorrectly executed payment transaction. Where you have informed us that an executed payment was not authorised by you in accordance with these Terms and Conditions, and you have taken all reasonable steps to keep safe personalised security information, keep your card secure, not disclosed your PIN or security information to anyone else and not acted fraudulently, we will:
A. refund the amount of the unauthorised payment to you; and
B. restore the debited payment account to the state it would have been in had the unauthorised payment not taken place.
Beyond this, we will have no further liability to you. Where payee details provided by you are incorrect, we are not liable for non-execution or defective execution of the payment transaction, but we will make reasonable efforts to recover the funds involved in the payment transaction and notify you of the outcome. You may be entitled to claim a refund in relation to transactions where:
A.   the transaction was not authorised under these Terms and Conditions;
B.   we are responsible for a transaction that we fail to execute or incorrectly execute. In these circumstances, we will refund to you the amount of the non-executed or defective payment transaction and restore the debited payment account to the state in which it would have been had the defective payment transaction not taken place. We will also refund to you: (a) any direct charges for which you are responsible; and (b) any interest which you must pay, as a consequence of the non-execution or defective execution of the payment transaction; or a pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged is more than could reasonably be expected, taking into account previous spending patterns on the card and the circumstances of the transaction. We will either refund the full amount of the payment transaction; or provide justification for refusing to refund the payment transaction. Any refund or justification for refusing a refund will be provided within 10 business days of receiving a request for a refund or, where applicable, within 10 business days of receiving any further information requested. A claim for a refund in these circumstances will not be accepted if the amount of the transaction was made available to you at least 4 weeks before the transaction date or if the claim is made more than 8 weeks after being charged to your account. If you allow payments to be made from your account using the UK Direct Debit Scheme, the Direct Debit Guarantee (which you’ll be given on the Direct Debit form or Direct Debit confirmation) will apply instead of the terms contained above and in section 16.


You must keep your card and security credentials safe and not let anyone else know or use them. You must keep your security information secret at all times; never disclose your PIN or security information to anyone and do not store details of your PIN with your card. Security information includes your login and password details used to access your account or any other website where your card or account details are stored. We also recommend that you check the balance on your account regularly on the mobile app, through logging onto your account at the website  or by contacting Customer Services.


If you lose your card or it is stolen, or you suspect that someone else has found out your PIN or security information or accessed your account without your permission, you must tell us without undue delay by calling us or logging onto your account through the mobile app or website and notifying us. Your card will be cancelled immediately and your account may be blocked. We run a dedicated line for lost or stolen cards; the number is +44 (0) 203 865 5467 and calls are charged at the standard geographical rate. If, after reporting a lost card, you subsequently find the card you must not use it. Cut it in half through the signature box, magnetic strip, and chip. If you ask us to do so, and provided that you provide the information and assistance that we request from you, we will investigate any disputed transaction or misuse of your card or account. If the investigations show that any disputed transaction was authorised by you, or you have acted fraudulently or with gross negligence (for example by failing to keep your card, security information or PIN secure or by failing to notify us without delay on becoming aware of the loss, theft, misappropriation or unauthorised use of the card or account), then we will not refund the transaction amount and you will be fully liable for all losses incurred because of the unauthorised use of the card or account. If the investigations show that you have not acted fraudulently or with gross negligence, your maximum loss or liability to us for any unauthorised transaction will be limited to 35 and we will process a refund as soon as practicable, and in any event no later than the end of the business day following the day after we receive your notification.


We may refuse to pay a transaction:

A.   if we are concerned about the security of your card or account or we suspect your card or account is being used in an unauthorised or fraudulent manner;

B.   if sufficient funds are not paid into your account at the time of a transaction to cover the amount of the transaction and any applicable fees;

C.   if there is a negative balance on your account;

D.   if we have reasonable grounds to believe that you are not using the card or account in accordance with these Terms & Conditions;

E.   if we believe that a transaction is potentially suspicious or illegal (for example, if we believe that a transaction is being made fraudulently); or

F.   because of errors, failures (whether mechanical or otherwise), or refusal to process a transaction by merchants, payment processors, or payment schemes such as Visa, BACS, or CHAPS.
If we refuse a transaction, we will tell you why immediately, if we can, unless it would be unlawful for us to do so. You may correct any information we hold and which may have caused us to refuse a transaction by contacting Customer Services.


You have a legal right to cancel your account and card up to 14 days from the date your account is opened without incurring any penalty and we will refund any card issue fees. You can also cancel your card any time after the 14 day period subject to a Redemption Fee (the Fees and Limits table (section 33)) by contacting Customer Services. You should also cut your cancelled card in half through the signature box, magnetic strip, and chip. All fees and charges will be apportioned up until the time of the termination of the contract, and any fees and charges paid in advance will be reimbursed proportionally. You will not be entitled to a refund of money you have already spent on transactions authorised, or pending, or any fees for use of the card or account before the card or account is cancelled or expires.


We may cancel your account and this agreement by giving you at least two months’ notice. Reasons for cancellation may include:

A.   if this agreement or your card expires;

B.   If your agreement with the Distributor for the DigiDoe wallet services is cancelled or terminated for any reason;

C.   if you do not add funds to a DigiDoe account that has had a negative balance for 2 months. You cannot open a new account until you pay the owed fee;

D.   if you break an important part of this agreement, or repeatedly break the agreement and fail to resolve the matter in a timely manner;

E.   if you act in a manner that is threatening or abusive to our staff, or any of our representatives; or

F.   if you fail to pay fees or charges that you have incurred or fail to pay back any negative balance on your card.

We may also cancel your account immediately if we:

G.   suspect unauthorised or fraudulent use of your card;
H.   have any other security concerns; or
I.   need to do so to comply with the law.
We may also deny access to your card and/or account where we consider it to be at risk of money laundering or terrorism financing, fraud, or other criminal activity. Should we need to take these actions and where possible, we will give reasons for doing so except where restricted by law. In these circumstances, you must tell us what you want us to do with any unused funds. You must do this within 3 months of the date we tell you that your account is cancelled.


You can clear the balance on your account through spending, ATM withdrawals, or transfers to other bank accounts. See the Fees & Limits table (section 33) for the fees that would apply. Alternatively, you may request a refund of the funds on your account by contacting Customer Services and confirming that your card has been destroyed by cutting it up. We will transfer your funds back to you at no cost to you, unless:

A.   you are requesting redemption before termination or expiry of this agreement;

B.   you cancel this agreement before any agreed termination or expiry date; or

C.   you request redemption more than one year after the date of termination or expiry of this agreement.
If one of these situations does apply, then we will charge a Redemption Fee (see the Fees and Limits table (section 33)). We will not redeem the value of the funds on your account to you if your request for redemption of the funds is more than six years after the date of termination or expiry of this agreement. All funds will be returned to a bank account of your choice. We reserve the right to see proof of your ownership of the bank account before transferring funds to it. To enable us to comply with our legal obligations, we may ask you to provide us with certain information such as identification documents before we can process your refund request. Please also refer to section 28 below for the circumstances in which we do not give you a refund.


The account and associated card is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the account and associated card. We will however ensure that any funds received by you are held in a segregated account so that should we become insolvent your funds will be protected against claims made by our creditors.


If you are unhappy in any way with your card and account or the way it is managed, you can contact Customer Services so we can investigate the circumstances for you. Any complaints you have will be dealt with quickly and fairly. We will make every possible effort to address all points of the complaint by email. We will respond within 15 business days upon receiving the complaint. If a full response cannot be providing within these timeframes, we will send a holding reply with a full response to follow within 35 business days. If we are unable to resolve your complaint to your satisfaction you may contact the Financial Ombudsman Service at Exchange Tower, London, E14 9SR. Telephone: +44 (0)800 023 4 567 from landlines, +44 (0)300 123 9 123 from mobile phones or +44 (0)20 7964 0500 for calls from outside the UK and e-mail:


You must let us know as soon as possible if you change your name, address, telephone number, mobile number, or e-mail address. If we contact you in relation to your account we will use the most recent contact details you have provided to us. Any e-mail or SMS text message sent 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.


We are the controller of your personal data which we will use in order to open, administer and run your account. You hereby consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you. For further information about how we will use your personal data, please view our Privacy Policy at  You may withdraw your consent to the use of this data by closing your account


We may change these Terms & Conditions by notifying you by e-mail or other agreed means at least two months before the change is due to happen. We will assume that you agree with the change. If you do not agree with the change you must tell us before the change happens and we will cancel your account immediately. If you cancel your account in this way then we will return any balance on the account to you and you will not be charged a Redemption Fee. An up-to-date version of the account Terms & Conditions, as well as any notices of future changes, will always be available via our website You should check our website and your online account portal regularly for such notices and changes.


From time to time, your ability to use your card or account may be interrupted, e.g. when we carry out systems maintenance. If this happens, you may be unable (a) to use your card to pay for purchases or obtain cash from ATMs and/or (b) to obtain information about the funds available in your account and/or about your recent transactions. In addition, like other payment cards, we cannot guarantee a merchant will accept your card, or that we will necessarily authorise any particular transaction. This may be because of a systems problem, something outside our reasonable control, to comply with legal and regulatory requirements, or because we have suspended, restricted, or cancelled your account or refused to replace it in accordance with these Terms & Conditions.


If we incorrectly deduct funds from your account, we will refund them. If we subsequently establish that the refunded amount had in fact been correctly deducted, we may deduct it from your available balance and may charge you a fee. If you do not have sufficient available balance, you must repay us the amount immediately on demand. If unauthorised transactions occur after you have notified us of the loss, theft, compromise, or unauthorised use of your card or account, and you have not acted fraudulently or in breach of these Terms and Conditions, then we will be liable. We will not be liable:

A.   in any event that a merchant refuses to accept your card;

B.   for any interruption, disruption, or impairment of our service or any third party services on which we rely for the performance of our obligations hereunder;

C.   for refusing to authorise a transaction;

D.   for cancelling or suspending the use of your card or account;

E.   for any loss arising from your inability to use your card or access your account due to interruptions;

F.   for any direct or indirect loss or damage you may suffer including loss of revenue, loss of reputation, goodwill, opportunity, or anticipated savings as a result of your total or partial use or inability to use your card, mobile app, website, or account or the use of your card or account by any third party (unless otherwise required by law);

G.   for the quality, safety, legality, or any other aspect of any goods or services purchased with your card; and

H.   any abnormal and unforeseeable circumstances beyond our control, however so caused.
For the SMS services we offer, we are not responsible for lost, late, or undelivered text messages, notifications, or communications. We accept no responsibility for any technical, computer, online, telephone, cable, electronic, software, hardware, transmission, connection, internet, website, or other access issues which may hinder your ability to access the SMS services. Nothing in these Terms and Conditions shall operate to exclude liability for death or personal injury due to negligence or for fraud or fraudulent misrepresentation or for any statutory liability that cannot be excluded or amended by agreement between the parties.


We may charge you for any reasonable costs that we incur in taking action to stop you using your card or account and to recover any monies owed as a result of your activities if you:

A. use your card or account fraudulently;

B. do not use your card or account in accordance with these Terms & Conditions; or

C. have been grossly negligent, for example by failing to keep your card or PIN secure or by failing to notify us without delay after your card is lost, stolen, or used by someone else or where your account has been compromised. In these circumstances, we will not refund transactions and we reserve the right to charge you for any reasonable costs that we incur in taking action to stop you from using your account and to recover any monies owed as a result of your activities. If you have not been fraudulent, or grossly negligent, and have used your card and account in accordance with these Terms & Conditions, your maximum liability for any unauthorised transaction resulting from the use of a lost or stolen card or details before you notify us will be S35. We may also charge you an Administration Fee if we have to manually intervene to complete a payment or rectify an error on the account caused by an error or omission on your part.


You may allow regulated Third-Party Providers ("TPPs") (including Account Information Service Providers ("AISPs") and Payment Initiation Service Providers ("PISPs")) access to your online account; either to make payments, obtain account balances or obtain information on previous transactions. Before giving consent to a TPP, you should:

A.   ensure that the TPP is authorised and holds the correct regulatory permissions;

B.   check what level of access you are consenting to, how your account will be used, and the extent to which your data will be shared with third parties; and

C.   familiarise yourself with your obligations and rights under the TPP agreement, in particular, your right to withdraw consent to access your account.
We may refuse to allow TPP access to your account where we are concerned about fraudulent or unauthorised access. We are not a party to, or responsible for, any agreements between you and a TPP. Subject to any rights to refund you may have under these Terms and Conditions, we shall have no liability for:

A. any loss whatsoever, as a result of using a TPP and entering into a TPP agreement; and

B. any actions that the TPP takes in relation to suspending or terminating your use of their service or for any resulting losses.


You may not transfer or assign any rights or obligations you may have under these Terms & Conditions to any other person without our prior written consent. We may assign the benefit and burden of these Terms & Conditions to any other person at any time on giving you two months prior notice of this. If we do this, your rights will not be affected.


This Agreement is concluded in English. All communications with you will be in English. These Terms & Conditions will be construed in accordance with English law and the exclusive jurisdiction of the English courts.


You can find fees and limits on the Pricing pages for businesses and customers on the Digidoe website. All fees detailed on the Pricing pages are for the UK residents only. Please note that for non-residents and foreign companies due diligence fees may vary from £250 to £2500 per company or person depending on the amount of work needed. Your Visa DigiDoe card and account are issued by DigiDoe Ltd who is authorised by the Financial Conduct Authority to issue e-money (Firm Reference Number: 901043) and is a member of Visa. The registered head office is DigiDoe Limited, 167 Turners Hill, Cheshunt, Waltham Cross, Hertfordshire, EN8 9BH.

Please note that DigiDoe Visa card and account is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. We ensure that any funds received by you are held in a segregated account so that in the unlikely event that DigiDoe Ltd becomes insolvent your funds will be protected against claims made by creditors.