SDHFS Financial Services

Fair Usage Policy

Prepaid VISA Multi Currency

This Fair Use Policy forms part of your Agreement with Another Prepaid and applies where you subscribe to our VISA prepaid Product.

Our guiding principle has always been to provide services that many have been either financially excluded from or prevented in benefiting from services provided by other financial Institutions. Also to provide a fair and easy to understand fee structure and pricing that saves customers as much money as possible.

Certain services we provide are costly to us due to third party fees. Our fees are to designed to be fair and enable us to provide our service to all customers and to cover our costs. We are continually working to bring these costs down.

General Restrictions

Cash Recycling – any behaviour which Another Prepaid deems to be “cash recycling” whereby high volumes of cash are taken out of an ATM using a prepaid card that we believe is being used to repay the credit card used to load the prepaid account in order to gain rewards on the funding card is not permitted and may result in immediate blocking of your Prepaid Card and associated prepaid accounts. 

In addition to the restricted access legal fees and administration charges will be applied to any remaining balances up to £100 per instance of suspected cash recycling. Which we may automatically charge to your chosen funding card if your available funds is insufficient to cover these fees.

Fair Usage does not apply to Pay As You Spend (PAYS) tariffs

Another Prepaid offers 2 types of Fair Use Product Plans:

  • Travel Money Card
  • Pay Monthly

Fair Use Limits for each product usage in your Agreement.

General Terms for Fair Usage applies to all the above.

Our aim, is to be your first choice as an alternative to traditional payment cards, providing safe, secure and efficient multi-currency payment services that are cost effective and can save you money when compared to other foreign currency

The provision of Multi-Currency based services and prepaid card services can be expensive for Another Prepaid to provide. In our desire to make our services available to all customer based on their needs and requirements and help you get the most from
your product with fixed fees we have several monthly free usage options.

The free usage is reset at 00:01 on the first day of the month should you exceed the free transactions in your price plan you will only be charge in accordance to our PAYS tariff to cover our costs. 

This also means that we can keep all our costs down and provide better services to our cardholders.

For Card Funding – our platform uses third party systems to identify whether the Funding Source is a debit or credit card. If you believe your card has been incorrectly categorised, you should contact us at: support@an- to provide evidence of the card type in order for loading fee to be corrected and any overcharge to be refunded after we complete the investigation. 

POS/ Chip and PIN/ 3DS online – at Another Prepaid we do not apply different fees or categories to POS type spends on the prepaid card. Domestic and International Fees are the same regardless of who you’re paying, what you’re buying or in which country the transaction is being completed. Your free transactions limit will count to all these transactions. 

ATM Withdrawal – Due to Interchange fees applied to all ATM transactions our standard charge applies to both Domestic and International, these means you pay the same fee regardless of which country or ATM is used. Originally number of Free transactions depends on the fix plan and product in any of the 14 stored currencies available since February 2017 we have also expanded this to include all 197 VISA transaction currencies. Withdrawals over the free limit per calendar month will be charged £1.50 (or currency equivalent) per transaction or 1% whichever is the greater value. 

Cross-currency transactions – Subject to account limits changing your available funds into any of the 15 prepaid currencies are free. We do not impose restrictions to customers converting between the following currencies.

  • Australian Dollar: AUD
  • UAE Dirham: AED
  • Canadian Dollar: CAD
  • Swiss Franc: CHF
  • Danish Krone: DKK
  • Euro: EUR
  • British Pound: GBP
  • Hong Kong Dollar: HKD 
  • Japanese Yen: JPY
  • Norwegian Krone: NOK
  • New Zealand Dollar: NZD
  • Swedish Krona: SEK
  • Singapore Dollar: SGD 
  • United States Dollar: USD 
  • South African Rand: ZAR

We aim to provide currency swaps at preferential rates when compared to Bureau de Change providers as our rates are matched with the interbank rate unfortunately some currencies are difficult for us to access and trade for which we will always provide the best rate available on the day of settlement for your transactions.  


Price Plans:

Travel Card 

One-time purchase £25 Multi-Currency Card when purchased the card can be loaded only once up to £2,500. 

Fair Usage Rules

  • Single Free Card Load – Maximum amount £2,500 or currency equivalent in the 15 currencies
  • ATM Usage Limit 2 Transactions
  • Max in a single ATM Transaction £500
  • Maximum ATM Total £1,000
  • (You can withdraw up to £500 2 times after the card is first loaded)
  • POS Usage Limit 50 Transaction

Pay Monthly

Option 1 Standard £10 per Month

Fair Usage Rules

  • Max in a single ATM Transaction £500
  • Fees apply to all ATM use after the 2nd transaction
  • POS Free Usage Limit 40 Transaction per month before usage fees apply 

Option 2 Silver £20 per month

Fair Usage Rules

  • ATM Free Usage Limit 5 Transactions 
  • Max in a single ATM Transaction £500
  • Fees apply to all ATM use after the 5th transaction
  • POS Free Usage Limit 60 Transaction per month before usage fees apply

Option 3 Gold £40 per month

Fair Usage Rules

  • ATM Free Usage Limit 10 Transactions
  • Max in a single ATM Transaction £500
  • Fees apply to all ATM after 10thTransaction 
  • POS Free Usage Limit 100 Transaction per month before usage fees apply

Option 4 Platinum £100 per month

Fair Usage Rules

  • ATM Free Usage Limit 20 Transactions
  • Max in a single ATM Transaction £500
  • Fees apply to all ATM after 20thTransaction
  • POS Free Usage Limit 500 Transaction per month before usage fees apply

Option 5 Corporate £150 per month

Fair Usage Rules

  • ATM Free Usage Limit 40 Transactions
  • Max in a single ATM Transaction £500
  • Fees apply to all ATM after 40thTransaction 
  • POS Free Usage Limit 800 Transaction per month before usage fees apply



Monthly Fee

Cost at Standard Fees 

*ATM 1% at £500 and POS £0.30

Monthly Saving
compared to PAYS tariff

Standard Monthly £10



Silver £20



Gold £40



Platinum £100



Corporate £150



 *Customers can change between options on request. 

        Upgrades will be actioned within 24 hours.

        Downgrades will be actioned at month end prior to new month fee collection.

Customers with insufficient funds will be downgraded automatically to Standard. 

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