Replace or cash out your Card

Your Sainsbury’s Bank Multi-currency Cash Passport is valid until the expiry date printed on the front. When it expires, just take your Card and valid ID back to the bureau where you bought it to redeem any unspent funds and get a new Card. Payment will be in GBP - please check with the bureau for details of the exchange rate applied. A fee may also apply - please see the Fees and Limits table, or check with the bureau for more information.

Alternatively, you can contact Card Services to redeem unspent funds on your expired Card. Please check with Card Services for details of the exchange rates applied. There may also be a fee - please see the terms and conditions for more information. You may be given the option to donate (some or all) of your left-over funds to charity.

Please see the ‘Cash out and Close (Before Card Expiry)’ section below for options of redeeming your available balance and closing the Card before it expires.

If your Card is still valid, but you would prefer not to keep it for another trip, you can withdraw your remaining money from an ATM displaying the MasterCard® Acceptance Mark (assuming the balance is within the ATM’s withdrawal limits).

If you bought your Sainsbury’s Bank Multi-currency Cash Passport instore, you can take it back (with valid photo ID) to the bureau where you bought it and they will refund your remaining balance, less any fees. Payment will be in GBP and the exchange rate (if applicable) will be applied by the bureau. Please note: not all bureaux may offer this service.

Alternatively, you can contact Card Services, and have your balance (less any fees and subject to exchange rates, if applicable) refunded to a bank or building society account in the name of the primary cardholder only. Please see your terms and conditions for more information. You may be given the option to donate (some or all) of your left-over funds to charity.

If your Sainsbury’s Bank Multi-currency Cash Passport is lost, stolen or damaged, contact Card Services immediately, so they can cancel the Card. Your Card is chip and PIN protected and if you have an Additional Card, you can still access your funds with the Additional Card. If you only have one Card, or both your Sainsbury’s Bank Multi-currency Cash Passports are lost or stolen, Card Services can offer further assistance, including sending a Replacement Card or emergency cash up to the available balance on your Card (subject to availability in the relevant location).

It is recommended that you check your transaction history and Card balance at least once a month. You can do this online, once you have registered your Card on ‘My Account’.

Unfortunately, terms like 'ID theft' and 'Fraud' are all too familiar nowadays.

Every day, activity on Sainsbury’s Bank Multi-currency Cash Passports is monitored to detect unusual behaviour, and if something is spotted you'll be contacted to check your transactions.

There are also things you can do to help keep your travel money secure:

  • Sign your Card as soon as you receive it
  • Check your transactions regularly and report anything unusual to Card Services immediately
  • If you print statements from the internet, keep them safe and shred them when you've finished using them
  • Never give your personal details to someone on the phone
  • Don't give out your details in response to unsolicited email
  • Be wary of anyone who asks for common security details like your mother's maiden name, passwords, date of birth, or information about your work
  • Never give your PIN to anyone, even if they claim to be from your Card issuer
  • Don't let yourself get distracted when using ATMs or point of sale terminals - somebody may be trying to find out your PIN
  • Keep your personal details up to date so we can keep in touch with you

Be safe - Never keep your PIN with your Card. Stay alert when using ATMs, and ensure that:

  • The machine has not been tampered with
  • Nobody can watch you entering your PIN
  • Your Card and cash are concealed and safe before you leave the machine
  • You retain any printed records for safe disposal at a later time
  • If your Card is retained, please contact Card Services immediately, for assistance.

Always keep your Card in sight when making a purchase or it may get skimmed.

"Skimming" occurs when the genuine data on a card's magnetic strip is electronically copied onto another card, allowing fraudsters to steal the funds on your card. To avoid skimming and to protect your travel money, always keep your Card in sight.

When shopping online, use a secure browser such as Microsoft Internet Explorer or Mozilla Firefox which will indicate whether the website you are visiting is secure or not. These browsers scramble your personal data before sending information so no one else can read it. Ensure that your computer has up-to-date virus protection software. A firewall will also help protect you from attacks.

  • Buy from reputable companies and type their internet address into the browser yourself
  • Don't give out your details in response to unsolicited emails and always use a secure checkout if given the choice
  • Just as you save till receipts in case you need to return or exchange something, keep a record of online transactions too. Print and save a copy of your completed order form and confirmation.

"Phishing" is an attempt by fraudsters to "fish" for your card, account or personal details. Phishing attempts usually appear as emails, apparently from your bank or card issuer, pretending to be concerned with your security. You are then asked to click a link to a fraudulent log-in page, designed to capture your details.

If Card Services contact you by email, they will NEVER ask you to click on a link that directs you to enter or confirm your security details. If you are in any doubt regarding the authenticity of an email regarding your Sainsbury’s Bank Multi-currency Cash Passport, telephone the Card Services team immediately for clarification.

"Pharming" employs the same type of tricks as Phishing to lure you to a site address, but uses hidden software to redirect you from real websites to the fraudulent ones. It hijacks trusted brands of well-known banks, online retailers and card issuing companies and convinces you to enter your personal details.

Remember, if you are asked to type your PIN into a website along with your Card details, it is probably fraudulent. Close the browser and contact Card Services immediately.

If you lose your Sainsbury’s Bank Multi-currency Cash Passport, or it is stolen, report it to Card Services immediately to protect your travel money. The dedicated UK based team is on hand 24 hours a day, seven days a week, to help you wherever you are in the world so that you can quickly get back to enjoying your travels.

Sainsbury’s Bank Multi-currency Cash Passport™ is issued by R. Raphael & Sons plc, pursuant to license by MasterCard International Inc. MasterCard® is a registered trademark of MasterCard International Incorporated. R. Raphael & Sons plc is a UK bank authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority (registration number 161302) and is permitted to issue e-money. Head office and registered office at 19-21 Shaftesbury Avenue, London, W1D 7ED,company registration number 01288938