Using Your Card

Sainsbury’s Bank Multi-Currency Cash Passportis a chip and PIN protected prepaid MasterCard® currency card.

You can load multiple Currencies onto it before you travel and then use it in millions of ATMs around the world displaying the MasterCard Acceptance Mark, to access your money quickly and safely. You can also pay for goods and services online and in store.

Your Sainsbury’s Bank Multi-currency Cash Passport can be used to withdraw money from ATMs worldwide~ displaying the MasterCard® Acceptance Mark. All you need to do is to find your nearest ATM.

Alternatively, you can use the Card to pay online and in stores around the world~.

You can use your Sainsbury’s Bank Multi-currency Cash Passport in countries or areas with a different currency to those on your Card. The system will automatically convert your stored Currency (-ies) to the local one. Please note that for any transactions in a currency different from the Currencies loaded on your Card, the funds available on the Card will be used in the following order of priority: GBP, EUR, USD, AUD, CAD, NZD, ZAR, TRY, CHF and AED at an exchange rate determined by MasterCard on the day the transaction is processed, increased by a percentage determined by us (see the Fees and Limits section for more details).

~ It is currently not possible to use your Sainsbury’s Bank Multi-currency Cash Passport in a number of countries and geographical regions. If you attempt to withdraw cash from an ATM or use your Card at merchants in any of these countries or geographical regions, your request will be declined.

The countries and geographical regions currently affected by sanctions are:  Iran, North Korea, Sudan, Syria and Crimea

What if I’m offered the option to pay in GBP whilst I'm abroad?

When abroad, you may get the choice of paying in British Pounds Sterling (GBP) rather than the local currency. By choosing to pay in the local currency, you may avoid an extra foreign exchange conversion at additional cost to you. Remember that if you do not have enough funds in the local Currency on your Card, the balance will be taken from another Currency on your Card.

Avoid dynamic currency conversion (DCC)

When paying for purchases or withdrawing money (both overseas and online), many providers will ask whether or not you wish to pay in your local home currency (often Pounds Sterling) rather than the local currency of the transaction.

This is referred to as "dynamic currency conversion" or DCC for short. While it may appear convenient to pay in your local home currency, the exchange rates are often less competitive and result in higher charges.

When using Cash Passport to pay or withdraw cash, opt to decline DCC and instead pay in your preloaded foreign currency to avoid extra foreign exchange conversion at additional cost to you. Remember that if you do not have enough funds in the local Currency on your Card, the balance will be taken from another currency on your Card at an exchange rate determined by Mastercard on the day the transaction is processed, increased by a foreign exchange margin set out in the terms and conditions.

Yes, you can use your Sainsbury’s Bank Multi-currency Cash Passport to shop online (within the limits and restrictions of your Card) from any merchant that accepts MasterCard Prepaid cards.

By using your Sainsbury’s Bank Multi-currency Cash Passport in the currency that the online site trades in (if it is one of the Currencies on your Card),you know exactly what your purchase will cost. For your safety, you may be asked to provide the security code that's printed on the signature strip on the back of the Card.

Sainsbury’s Bank Multi-currency Cash Passport may not be used for money transfers (i.e. the sending of funds to a third party) or for accessing money transfer services, or to access or purchase goods from adult or gambling locations or internet sites and must not be used for any unlawful activity. You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card in the country of purchase and/or use.

The Sainsbury’s Bank Multi-currency Cash Passport can be loaded with GBP only, which will either be added to your GBP Currency, or converted into up to 9 additional Currencies including Euros, US Dollars, Australian Dollars, Canadian Dollars, New Zealand Dollars, South African Rand, Turkish Lira, Swiss Franc and Emirati Dirham at an exchange rate disclosed to you at the time. You can move money between the Currencies on your card, at your convenience, 24 hours a day, 7 days a week via 'My Account' or the Mobile App.

Sainsbury’s Bank Multi-currency Cash Passport is a convenient and safe way of carrying your travel money overseas, offering peace of mind and security, plus the convenience of cards. Pre-loading your Sainsbury’s Bank Multi-currency Cash Passport gives you more control of your travel budget with fixed ATM fees and no transaction fees* on purchases, it's easier to manage your overseas spending.

To reduce the threat of fraud, the Card does not carry your name or reveal any personal information and it is completely separate from your bank account. *Some merchants or ATM operators may also charge their own fee or set their own transaction limits. Please check whether any additional fees or limits apply before making a purchase or withdrawal.

  • The new Payment Services Regulations 2017 (also known as PSD2) aim to promote innovation, competition and improved security and reliability. These come into effect from January 13th 2018.
  • What will these changes mean for you?
  • A key change makes it possible for you to authorise a regulated third party payment service provider to access your account information.
  • How can you make use of these new facilities?
  • You can only grant a third party access to the account information you can view. You need to register for online access to be able to request authorisation of a third party.
  • In order to request third party account access you must call Card Services who will be able to assist with your request.
  • Any third parties you wish to authorise must appear in the UK Financial Conduct Authority’s and European Banking Authority’s register of regulated payment service providers.
  • It is important to emphasise that you must not share your login ID and password with anyone. This important security condition is part of the card agreement we have with you.
  • You can revoke the authorisation given to a third party for account access by contacting Card Services.

The great flexibility and added functionality of the Sainsbury’s Bank Multi-currency Cash Passport mean that as long as you have more than one Currency loaded, if you have insufficient funds in a particular Currency on your Card to pay for a transaction, the Card will automatically select the next available Currency or Currencies on the Card to settle the balance of the transaction, in the following order of priority: GBP, EUR, USD, AUD, CAD, NZD, ZAR, TRY, CHF and AED subject to the applicable exchange rate and increased by the foreign exchange fee (see Fees and Limits table).

If you do not have the currency of the country you are visiting on your Card at all, you can still use it to make a payment. The Sainsbury’s Bank Multi-currency Cash Passport will automatically convert the amount of the transaction from local currency into the Currency (-ies) available on your Card, in the order described above, at an exchange rate determined by MasterCard on the day the transaction is processed, increased by the foreign exchange fee (see the Fees and Limits for more details).

If you don’t have enough total funds on your Card for a transaction, you may be able to pay the balance with another card or cash, if the merchant supports partial payments. Just make sure you tell the cashier before paying. The cashier should process your Sainsbury’s Bank Multi-currency Cash Passport payment first, and then accept the other form of payment you are using to settle the remainder of the transaction amount.

In some countries, you may be asked for a six digit PIN when using an ATM.
Sainsbury’s Multi-currency Cash Passport uses a standard four digit PIN, which will still be accepted as normal if the ATM has been set up correctly in compliance with MasterCard regulations.
If you need assistance with any PIN issues, please call Card Services.

Even with a zero balance, your Card is still valid (up to the expiry date printed on the front of the Card), and you can reload it any time before your next trip##.

For information on how to reload your Sainsbury’s Bank Multi-currency Cash Passport, please see the 'reloading' section.

## Until Card expiry and subject to reload limits (see Fees and Limits section).

The Sainsbury’s Bank Multi-currency Cash Passport is chip and PIN protected.
To reduce the threat of fraud, your Multi-currency Cash Passport does not reveal any personal information and is completely separate from your bank account

More information about card security.

No, cash back is not available on Sainsbury’s Bank Multi-currency Cash Passport.

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