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Common questions about Cash Passport

Single Currency Cash Passport FAQs

  • Common questions about your card

    My Card has been lost or stolen

    If your Card has been lost or stolen we’re here to help. You can contact our 24/7 Service Centre to receive emergency assistance and where appropriate, our emergency cash service. Contact Us.

    I am not able to use my Card

    If you’re having trouble using your Card there are some things you should check:

    • If you purchased your Card online, you need to make sure that it has been activated.
    • Do you have sufficient balance on your Card? You can check your balance via My Account or by calling the number on the back of your Card.
    • Are you using the correct PIN?
    • Does the merchant or ATM accept Mastercard® Prepaid?
    • If you’ve gone through these steps but you’re still having trouble then please contact our 24/7 Service Centre. 

    How do I change my PIN?

    You can change your PIN at any participating UK ATM.

    How do I register My Account?

    It’s easy to register your account, all you will need is your Card number and the information you provided when you purchased your Card.

    I am not able to log-in to My Account

    • The first thing to check is that you’ve registered your Card. You will need to go through the sign-up process before you can log-in.

    Are you using the correct password? If you’ve forgotten your password, it’s not a problem. Simply click on the ‘Forgot Your Login?’ link on the My Account login screen and follow the on-screen instructions.

    What currencies can I load my Thomas Cook Cash Passport with?

    Thomas Cook Cash Passport purchased in the UK can be initially loaded with British Pounds (GBP) into the currency of the card you are purchasing. If you have a foreign currency Thomas Cook Cash Passport, the amount loaded will be converted to the currency of your Card.

    Thomas Cook Cash Passport is available in seven currencies, all of which may not be available at some retail locations: British Pounds, Euros, US Dollars, Australian Dollars, South African Rand, New Zealand Dollars and Canadian Dollars.

    How do I close my Thomas Cook Cash Passport?

    If you would prefer not to keep your Card at the end of your trip, you can withdraw your remaining balance (assuming it is within the ATM's issuing limits) from any ATM, displaying the Mastercard® Acceptance Mark or the Visa or Plus logo (depending on which type of Cash Passport you have). Alternatively, to cashout your balance, enquire at your Purchase Location or call Card Services. A fee may apply (see your Terms and Conditions for more details on fees and limits).

    When redeeming the balance of any unspent funds through Card Services, payment will only be made to a UK bank or building society account in your name. Redeeming the balance of unspent funds will usually be in Sterling at an exchange rate determined by us. You may redeem the balance of any unspent funds in the currency of the Card through Card Services. When redeeming a balance in the currency of the Card, your bank or building society may apply their own exchange rate fee to convert the funds into Sterling, unless you have an account in the currency of the Card.

    When my Thomas Cook Cash Passport expires, what do I do?

    You can purchase a new Multi-currency Cash Passport online or via your local store. If you have any leftover balance on your Single Currency Cash Passport then you can cash out in branch or call Card Services.

  • Using your Single Currency card

    What is pre-authorisation?

    It is not recommended to use your Thomas Cook Cash Passport as a guarantee of payment for hotels, car hire, etc. These companies may estimate your bill, and if you use your Card as a guarantee for the estimated amount, the funds will be temporarily unavailable to access or spend. You can of course use your Thomas Cook Cash Passport to settle your final bill.

    What is tolerance?

    When using your Card at the merchants listed below a percentage or a fixed amount may be added to the amount of the transaction when it is submitted by the merchant for authorisation. The addition of this percentage or fixed amount to the transaction amount authorised by the merchant is called ‘tolerance’. This means that the value of the transaction plus the tolerance percentage or flat amount is reserved (‘ring-fenced’) from your available balance. The table below sets out the typical percentage or fixed rate that may be added to the value of the transaction.

    Merchant category

     

    Tolerance (% of the authorised amount)

     

    Bars (or other similar drinking places)

    10-20%
    Restaurants (or other eating places) 10-20%
    Automated fuel dispensers £10-£50 (or currency equivalent)


    For example, you have lunch at a restaurant and the total bill is US $50.00. You have US $50.00 on your Card that you would like to use and there is a 10% tolerance applied to restaurant transactions. You are required to have an available balance of at least US $55.00 for the transaction to be authorised: US $55.00 ($50 x 10% = $5 + $50 = $55.00).

     

    I don’t have as much money available on the Card as I thought. Why is this?

    When using your Card at some merchants (see table below), you may be required to have an available balance greater than the value of the transaction you wish to make. This is because: (i) a merchant may request more funds than you initially authorised to cover the amount of the transaction (e.g. the meal or bar bill) plus an additional gratuity, tip or service charge agreed by you; or (ii) in the case of an automated fuel pump transaction, to ensure there are sufficient funds available to cover the final cost of the transaction.

    The addition of this percentage or fixed amount to the amount of the transaction authorised by the merchant is called ‘tolerance’. Tolerance is only applied to certain merchant categories listed below.

     

    Merchant category

    Tolerance (% of the authorised amount)

    Bars (or other similar drinking places)

    10-20%

    Restaurants (or other eating places)

    10-20%

    Automated fuel dispensers

    £10-£50 (or currency equivalent)

     

    Please see ‘How much more than the bill amount do I need to have on my Card for transactions at bars, restaurants, and petrol stations?’ for further information on the additional amounts required.

    You may also find that you have less money available on the Card than you thought because you have used your Card as pre-authorisation of a final payment. Please see ‘What is pre-authorisation?’ for more information on this.

    How much more than the bill amount do I need to have on my Card for transactions at bars, restaurants, and petrol stations?

    When using your Card at the merchants listed below a percentage or a fixed amount may be added to the amount of the transaction when it is submitted by the merchant for authorisation. The addition of this percentage or fixed amount to the transaction amount authorised by the merchant is called ‘tolerance’. This means that the value of the transaction plus the tolerance percentage or flat amount is reserved (‘ring-fenced’) from your available balance. The table below sets out the typical percentage or fixed rate that may be added to the value of the transaction.

     

    Merchant category

    Tolerance (% of the authorised amount)

    Bars (or other similar drinking places)

    10-20%

    Restaurants (or other eating places)

    10-20%

    Automated fuel dispensers

    £10-£50 (or currency equivalent)

     

    For example, you have lunch at a restaurant and the total bill is US $50.00. You have US $50.00 on your Card that you would like to use and there is a 10% tolerance applied to restaurant transactions. You are required to have an available balance of at least US $55.00 for the transaction to be authorised:  US $55.00 ($50 x 10% = $5 + $50 = $55.00).

    Please see ‘When I use my Card at a bar, restaurant, or petrol station, how long are the funds reserved for and why?’ for further information on this?

    When I use my Card at a bar, restaurant, or petrol station, how long are the funds reserved for and why?

    The amount authorised by the merchant plus the tolerance percentage or fixed amount is reserved from your available Card balance until the merchant settles the final amount (i.e. payment is requested), at which time the exact final amount is debited from your Card, or for 7 days,  whichever is sooner. As a merchant may not settle the final bill immediately, tolerance is applied to ensure that there are sufficient funds available when the final bill is settled. You will only be charged for the actual and final amount of the transaction you sign for or validate by PIN.

    As the merchant may not settle (i.e. ask for payment) the final bill within the 7 days and in some cases may take up to 30 days to settle, at which time the funds are debited from your Cash Passport), we recommend that you check your transaction history regularly via ‘My Account’ and take this into account, including the tolerance, to ensure you have sufficient funds available for your spending. Typically, a merchant will submit the settlement request within 24 hours of you authorising the transaction.

    Please see ‘What happens if I do not have sufficient funds available on my Card to cover the value of the transaction plus the tolerance amount?’ for further information on this?

    Why is tolerance applied to CHIP and PIN transactions?

    When using your Card at merchants where tolerance is applied, in some locations your Card may be authorised by the merchant prior to you agreeing the final bill, e.g. where you allow your Card to be swiped at a bar to open a tab. The amount authorised by the merchant at this time plus the tolerance amount is reserved from your available balance. This is the case whether your Card only has a magnetic stripe or is Chip and PIN. We do not know at the time how a merchant will process a transaction and whether the merchant will initially authorise the transaction and later ask you to sign for or validate the transaction by PIN, together with an additional charge or tip agreed to by you. Therefore, a tolerance is added automatically where the merchant falls into one of the categories listed below.

    Merchant category

     

    Tolerance (% of the authorised amount)

     

    Bars (or other similar drinking places)

    20%
    Restaurants (or other eating places) 20%
    Automated fuel dispensers GB£50 (or currency equivalent)


    Please also see the ‘Using the Card’ section of your Card Terms and Conditions.

    How does my Card work?

    Your Card works like any other payment card. Available in different currencies, you can use it to withdraw cash from ATMs and pay for services at millions of locations worldwide.

    Can I use my Card in a hotel or to pre-pay for other services?

    You can use your Card in a hotel or to pre-pay for other services. However, we recommend you only use the Card to settle your final bill. This is because the merchant will hold additional funds to cover the approximate costs of the services they are providing. The funds can be held for up to 30 days during which you will not be able to access them. This is called ‘pre-authorisation’. We would recommend using an alternative card to pay a deposit or when asked for a card swipe at check-in.

    This process is also standard practice for car hire companies and cruise liners.

    Can I use my Card in automated fuel dispensers?

    We don’t recommend using your Card in automated fuel dispensers (‘Pay At Pump’). When you use an automated fuel dispenser a temporary hold of funds up to the equivalent of £-50 or currency equivalent - will be applied to your Card, even if your transaction is for a lower amount. This is to ensure that you have sufficient funds to pay for the fuel before you leave.

    The funds can be held for up to 7 days meaning that you’re not able to access the additional money held during this period. We would always recommend paying at a kiosk or should you need to use an automated fuel dispenser, using an alternative card.

    Where can I use the Card?

    You can withdraw local currency from millions of ATMs worldwide displaying the Mastercard® Acceptance Mark.

    Alternatively, you can use the Card to pay directly for goods or services at merchants that accept Mastercard Prepaid.

    No matter which currency Card you purchase, you can still use your Thomas Cook Cash Passport in countries or areas with a different currency. The system will automatically convert your stored currency to the local one, for example, if you purchase a Euro Thomas Cook Cash Passport, you can still use it at ATMs in America.

    Please note: There are a number of countries and geographical regions where the use of Cash Passport is currently prohibited. If you attempt to withdraw cash from a cash machine, or use your Card at shops, restaurants, hotels and online in any of these countries or geographical regions, your request will be declined and the reason given as 'Decline, prohibited country'.

    The countries currently affected are:

    Iran, North Korea, Sudan, Syria and Crimea.

    Can I use my Thomas Cook Cash Passport to purchase online?

    You can use your Thomas Cook Cash Passport to shop online (within the limits and restrictions of your Card) at any merchant that accepts Mastercard Prepaid. For your security you may be asked to provide the security code that’s printed on the signature strip on the back of the Card.

    Thomas Cook Cash Passport may not be used for money transfers or for accessing or purchasing goods from adult or gambling 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.

    What if the ATM asks for a six digit PIN?

    In some countries, you may be asked for a six digit PIN, when using an ATM. However, Thomas Cook Cash Passport uses a standard four digit PIN, which will still be accepted 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.

    What happens if I do not have sufficient funds available on my Card to cover the value of the transaction plus the tolerance amount?

    If you do not have sufficient funds available in your available balance to cover both the value of the transaction plus the tolerance amount, the transaction may be declined. For example, you have lunch at a restaurant and the total bill is US $50.00. You have US $50.00 on your Card that you would like to use and there is a 10% tolerance applied to restaurant transactions. If the restaurant tries to charge your Card with US $50.00, it will be declined because 10% is added to the transaction amount and there will be insufficient funds to cover US $55.00 ($50 x 10% = $5 + $50 = $55.00).

    Please ensure you remember to take the tolerance amount into account. If you are using your Card at one of the merchant types where tolerance is applied, you may be unable to use the entire balance on your Card, unless you have enough to cover the addition of tolerance. If the merchant supports it however, you can use your Card to make a partial payment, and cover the balance with some other payment method. Just make sure you tell the cashier before you start the transaction and confirm the amount you want deducted from your Card. The cashier should process your Card payment first, and then accept the remainder of the balance in whichever way you want to pay it.

     

     

     

  • Questions about transactions

    Card transactions

    How do I check my balance and recent transactions?

    You can check your balance and recent transactions once you have registered for My Account.

    Alternatively, you can call our 24/7 automated service using the number on the back of your Card to check your balance and hear any recent transactions.

    I do not recognise a transaction, what should I do?

    If you notice a transaction you do not recognise you should immediately call our 24/7 Service Centre who will initiate the investigation process.

  • Adding money to your Single Currency Cash Passport

    Adding money to card

    How do I add money to my Card?


    Please note that reload limits for each option apply, see further information in the Fees & Limits table located here.

    My money has not reached My Account yet. Why?

    Some Card reloads can take longer to appear on your balance than others:

    If you reload via our 24/7 Service Centre, your funds will be available straight away.

    If you reload online, your funds will be available within 24 hours.

    If you reload via Internet/Telephone Banking and your bank participates in the Faster Payments Scheme your funds will be available within 24 hours. Some banks and building societies do not participate in this scheme and can take up to 5 working days to send payments. However, be assured that we will load the funds onto your Card within 24 hours of receiving them.

Multi-currency Cash Passport FAQs

  • How does Multi-currency Cash Passport work?

    Multi-currency Cash Passport is a chip and PIN protected prepaid Mastercard® currency card.

    You can load multiple Currencies onto it before you travel at the most current foreign currency exchange rates, and then use it in millions of cash machines worldwide, to access your money quickly and safely. You can also pay for goods and services online and in store.

  • How do I change my PIN?

    You can change your PIN at any cash machine in the UK or Europe that displays the Mastercard® Acceptance Mark and has a ‘PIN change’ function on its cardholder menu.

  • How do I retrieve my PIN?

    You can get a PIN reminder by selecting the 'PIN reveal' option in My Account.

    Alternatively, you can call Card Services and select the PIN option, 24 hours a day, 7 days a week.

  • What is pre-authorization?

    While your Card is really adaptable, it’s not suitable for everything.

    When you use your Card as a deposit with car rental companies, hotels or cruise lines, they may require authorization of an amount larger than the transaction as a guarantee of payment. Although you will only be charged for the actual and final amount of the transaction, any additional amount that is included in the initial authorization will be unavailable to you until the final transaction settles. Therefore, we do not recommend transactions that could create larger authorizations in which case the funds could be unavailable to you for a period of time. You can of course use your Card to settle your final bill.

  • What is my default Currency and how do I change it?

    Your default Currency is the Currency you set in ‘My Account’, for example before you top up your Card via internet banking; this is where we will allocate your money. You can only set one default Currency, but you can change it in ‘My Account’ at any time.

  • Where can I use Multi-currency Cash Passport?

    Your Multi-currency Cash Passport can be used to withdraw money from millions cash machines worldwide displaying the Mastercard® Acceptance Mark.

    You can also use your Card to pay online and in stores around the world, wherever Mastercard Prepaid is accepted.

    You can use your 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).

    (Turkish Lira, Swiss Franc and Emirati Dirham available to reload by online or phone only)

    There are a number of countries where the use of Multi-currency Cash Passport is currently prohibited. If you attempt to withdraw cash from a cash machine, or use your Card at shops, restaurants, hotels and online in any of these countries, your request will be declined and the reason given as 'Decline, prohibited country'.

    The countries currently affected are:

    Iran, North Korea, Sudan, Syria and Crimea.

  • Can I use my Multi-currency Cash Passport to shop online?

    You can use your Multi-currency Cash Passport to shop online (within the limits and restrictions of your Card) from any merchant that accepts Mastercard Prepaid.

    By using your 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 and the exchange rate used. 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.

    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.

  • What is 'My Account'?

    'My Account' is an online Card management area

    where, once you have registered your Multi-currency Cash Passport, you can check your balance, move money between Currencies and review your transaction history.

  • How do I register my Card in ‘My Account’?

    If you bought the Card in branch, click on the link for ’My Account’, select ‘New Registration' and simply follow the instructions on the screen.

    If you bought your Card online, it is already set up on 'My Account'. Simply use the email address you provided when you bought the Card, plus the password you created during the purchase process, to log in to ‘My Account’, and manage your Card easily online.

    You will need your full 16 digit Card number every time you log into ‘My Account’.

  • How can I check my balance and move money between Currencies?

    You can check your balance, view your transaction history and move money between Currencies as soon as you've registered your Card in 'My Account'. You can also use the Multi-currency Cash Passport mobile app, available for iOS and Android.

  • What do I do if I find an incorrect transaction on my Card?

    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’.

    If you have any queries about your Multi-currency Cash Passport balance or you notice a Card transaction that you do not recognise, please notify the 24 hour Card Services team as soon as possible and in any event within thirteen (13) months of the transaction debit date. They will be happy to check and confirm the transaction details for you.

    If there is a transaction which is not correct, Card Services can start the dispute process on your behalf and may request you to provide additional written information concerning any unrecognised transaction, or to complete a dispute form. Please help them to assist you by providing as much information as you can.

    Visit the 'Contact Us' page for more details on the dispute form.

  • How can I contact Card Services?

    Simply visit the 'Contact Us' section of this website.

  • What if the cash machine asks for a six digit PIN?

    In some countries, you may be asked for a six digit PIN, when using a cash machine.

    However, Multi-currency Cash Passport uses a standard four digit PIN, which will still be accepted as normal if the cash machine has been set up correctly in compliance with MasterCard regulations.

    If you need assistance with any PIN issues, please call Card Services.

  • What if my Multi-currency Cash Passport is lost/stolen/damaged?

    Lost, stolen or damaged Cards must be reported to Card Services immediately so that your travel money is protected.

    The dedicated Card Services team is on hand to help, 24 hours a day, 7 days a week. If your Multi-currency Cash Passport goes missing, call Card Services straightaway and they will cancel it, giving complete protection of your funds (subject to full compliance with the terms and conditions). Card Services can then make appropriate arrangements to minimise the impact on your trip, including emergency cash replacement up to the available balance of your Card, subject to availability2.

    2 The emergency cash service may not be available in every country - depending on the availability of the money transfer network.

    Please click here, to find details on how to contact the 24/7 Card Services helpline by phone.

    If you notice any transactions on your Multi-currency Cash Passport that are incorrect or that you don't recognise, please call the 24 hour Card Services helpline immediately. In addition, if you believe your PIN or any other security information may have been compromised, please call Card Services.

    Additional Card

    If you have two Cards linked to the same funds and you lose one of them, you can still access your travel money by using the other Card. Please be aware that you must still call Card Services immediately so that they can block the lost Card. You should also make sure that you keep your PIN separate from the Additional Card at all times. 

    If both your Multi-currency Cash Passports are lost, stolen or damaged, Card Services can arrange for a Replacement Card, and, if necessary, start the procedure for disputing unauthorised transactions. In an emergency situation they may arrange for funds, up to the available balance on your Card, to be sent to you via a global money transfer network, free of charge and usually available within 2 hours (up to 24 hours in more remote locations) and subject to availability in the relevant location.

  • What if my Multi-currency Cash Passport is declined in a shop?

    This should only happen when you don’t have enough money on the Card to cover the purchase

    (though you can always use what money you do have on your Multi-currency Cash Passport to make a partial payment and settle the balance with another card or cash, if the merchant supports it).

    Be aware that some restaurants and car hire companies may require the Card to have an available balance greater than the purchase amount, before they will authorise the payment.

    Check that the retailer you are purchasing from accepts Mastercard Prepaid. Because of new EU requirements, merchants in the EU/EEA will be able to choose whether or not they wish to accept Mastercard prepaid/debit/credit or commercial cards. Please check with the merchant, as they have to inform you if they decide not to accept all types of Mastercard cards. Merchants will also be expected to display this information prominently at the entrance of the shop and at the till or, in the case of distance sales, this information should be displayed on the merchant’s website or other applicable electronic or mobile medium. 

  • Should I use my Card to reserve a hotel room, or as a deposit for car hire and cruises?

    Whilst your Card is really adaptable, it’s not suitable for everything.

    You shouldn’t use your Card as a deposit with car hire companies, hotels or cruise lines. This is because they will estimate the final bill and will require a sum of money to be reserved on your Card to cover this. You will not be able to spend the reserved amount for some time. You can of course use your Card to settle your final bill.

  • 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, 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 foreign exchange margin determined by us per the terms and conditions.

  • Can I get cash back with my Multi-currency Cash Passport?

    No, cash back is not available on Multi-currency Cash Passport.

  • When my Multi-currency Cash Passport expires, what do I do?

    You can either move your money to a new Card, or cash out the balance (subject to fees) and close your Multi-currency Cash Passport.

    To cash out and close, please call Card Services.

  • How do I close my Multi-currency Cash Passport?

    If you would prefer not to keep your Card for another trip, you can withdraw your remaining balance (assuming it is within the cash machine's issuing limits) from a cash machine displaying the Mastercard® Acceptance Mark.

    Or, if applicable, you may take your Multi-currency Cash Passport (and valid photo ID) back to the branch 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 branch. Please note: not all branches will 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 UK 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) left-over funds to charity.

  • I already have a single currency Cash Passport. Can I swap it for a Multi-currency one?

    Phone Card Services to find out if you can transfer your funds from a single currency Card to a Multi-currency Cash Passport or for more information on how to obtain a Multi-currency Cash Passport.

  • Why is tolerance applied to Chip & PIN transactions?

    When using your Card at merchants where tolerance is applied, in some locations your Card may be authorised by the merchant prior to you agreeing the final bill, e.g. where you allow your Card to be swiped at a bar to open a tab.

    The amount authorised by the merchant at this time plus the tolerance amount is reserved from your available balance. This is the case whether your Card only has a magnetic stripe or is Chip and PIN. We do not know at the time how a merchant will process a transaction and whether the merchant will initially authorise the transaction and later ask you to sign for or validate the transaction by PIN, together with an additional charge or tip agreed to by you. Therefore, a tolerance is added automatically where the merchant falls into one of the categories listed below.

    Merchant Category Tolerance (% of the authorised amount)
    Bars (or other similar drinking places) 20%
    Restaurants (or other eating places) 20%
    Automated fuel dispensers GB£50 or currency equivalent

  • I don’t have as much money available on the Card as I thought. Why is this?

    When using your Card at some merchants (see table below), you may be required to have an available Card Fund greater than the value of the transaction you wish to make.

    This is because: (i) a merchant may request more funds than you initially authorised to cover the amount of the transaction (e.g. the meal or bar bill) plus an additional gratuity, tip or service charge agreed by you; or (ii) in the case of an automated fuel pump transaction or when you use your Card to pay for telecommunication services, to ensure there are sufficient funds available to cover the final cost of the transaction.

    The addition of this percentage or fixed amount to the amount of the transaction authorised by the merchant is called ‘tolerance’. Tolerance is only applied to certain merchant categories listed below.

    Merchant category

    Tolerance (% of the authorised amount)

    Bars (or other similar drinking places)

    20%

    Restaurants (or other eating places)

    20%

    Automated fuel dispensers

    GB£50 or currency equivalent

     

    Please see ‘How much more than the bill amount do I need to have on my Card for transactions at bars, restaurants, petrol stations, for taxi and limousine transactions, and for telecommunication services?’ for further information on the additional amounts required.

    You may also find that you have less money available on the Card than you thought because you have used your Card as pre-authorisation of a final payment. Please see ‘What is pre-authorisation?’ for more information on this.

  • How much more than the bill amount do I need to have on my Card for transactions at bars, restaurants and petrol stations?

    When using your Card at the merchants listed below a percentage or a fixed amount may be added to the amount of the transaction when it is submitted by the merchant for authorisation.

    The addition of this percentage or fixed amount to the transaction amount authorised by the merchant is called ‘tolerance’. This means that the value of the transaction plus the tolerance percentage or flat amount is reserved (‘ring-fenced’) from your available Card Fund. The table below sets out the typical percentage or fixed rate that may be added to the value of the transaction.

     

    Merchant category

    Tolerance (% of the authorised amount)

    Bars (or other similar drinking places)

    20%

    Restaurants (or other eating places)

    20%

    Automated fuel dispensers

    GB£50 or currency equivalent

     

    For example, you have lunch at a restaurant and the total bill is US$50.00. You are required to have an available Card Fund or Currency equivalent of at least US$60.00 for the transaction to be authorised ($50 + 20% tolerance ($10) = $60.00). You will only be charged for the actual and final amount of the transaction you sign for or validate by PIN.

     

    Please see ‘When I use my Card at a bar, restaurant, petrol station, or for taxi, limousine, and telecommunication services transactions, how long are the funds reserved for and why?’ for further information on this.

  • When I use my Card at a bar, restaurant or petrol station, how long are the funds reserved for and why?

    As a merchant may not settle the final bill immediately, tolerance is applied to ensure that there are sufficient funds available when the final bill is settled.

    The amount authorised by the merchant plus the tolerance percentage or fixed amount is reserved from your available Card Fund until the merchant settles the final amount (i.e. payment is requested), at which time the exact final amount is debited from your Card, or for 7 days, whichever is sooner.

    If the final settlement amount exceeds the relevant available Currency balance on the Card, the remaining amount will be funded by converting that amount in the order of priority. Please see your Multi-currency Cash Passport Terms and Conditions for further information on the order of priority. The exchange rate used is the rate determined by Mastercard®, to be the wholesale rate in effect on the day the transaction is processed by Mastercard plus the foreign exchange margin (sometimes called foreign exchange fee). Please note that the exchange rate used at the time the transaction is authorised (and the funds are reserved) may be different to the exchange rate used on the day the transaction is settled, however, you will only be charged for the actual and final amount of the transaction you sign for or validate by PIN.

    As the merchant may not settle (i.e. ask for payment) the final bill within the 7 days and in some cases may take up to 30 days to settle (at which time the funds are debited from your Multi-currency Cash Passport), we recommend that you check your transaction history regularly via ‘My Account’ and take this into account, including the tolerance, to ensure you have sufficient funds available for your spending. Typically, a merchant will submit the settlement request within 24 hours of you authorising the transaction.

    Please see ‘What happens if I do not have sufficient funds available on my Card to cover the value of the transaction plus the tolerance amount?’ for further information on this.

  • What happens if I do not have sufficient funds available in my total available Card Fund to cover the value of the transaction plus the tolerance amount?

    If you do not have sufficient funds available in your total available Card Fund to cover both the value of the transaction plus the tolerance amount, the transaction may be declined.

    For example, you have lunch at a restaurant and the total bill is US$50.00. You only have US$50.00 on your Card and there is a 20% tolerance applied to restaurant transactions. If the restaurant tries to charge your Card with US$50.00, it will be declined because 20% tolerance is added to the transaction amount and there will be insufficient funds to cover US$60.00 ($50 + 20% tolerance ($10) = $60.00).

    Please ensure you remember to take the tolerance amount into account. If you are using your Card at one of the merchant types where tolerance is applied, you may be unable to use your Card, unless you have enough in your total available Card Fund to cover the addition of tolerance. If the merchant supports it however, you can use your Card to make a partial payment, and cover the balance with some other payment method. Just make sure you tell the cashier before you start the transaction and confirm the amount you want deducted from your Card. The cashier should process your Card payment first, and then accept the remainder of the balance in whichever way you want to pay it.

  • What happens if I do not have sufficient funds available in the relevant Currency to cover the value of the transaction plus the tolerance amount?

    If the value of the transaction plus the tolerance percentage or flat amount exceeds the relevant available Currency balance on the Card, the remaining amount will be funded by converting that amount into the next available Currency in the order of priority.

    Please see your Multi-currency Terms and Conditions for further information on the order of priority. The exchange rate used is the rate determined by Mastercard® to be the wholesale rate in effect on the day the transaction is authorized by the merchant plus the foreign exchange margin (sometimes called foreign exchange fee). 

    Please also see the 'Using the Card' sections of your Card Terms and Conditions.

  • Can I activate Apple Pay on my Thomas Cook Cash Passport?

    If you have a Thomas Cook Multi-currency Cash Passport and a compatible Apple device, you can activate a digital card. Single Currency cards are not eligible for Apple Pay. Click here for more information.