Help: Opening an Account

Opening an Account

  • You’re guaranteed to get our Current Account and Debit Card as long as we can verify the details we need from you.

    For personal applications, we simply need to verify that you’re a UK resident  and are at least 18 years old. (Additional Cashplus Current Account cardholders must be at least 13 years old).

    For business applications, we’ll also need to verify that your business is based in the UK.

    We’ll try to verify any personal or business name and address details with the  information that you provide us during the application. If we aren’t able to do this, we’ll request some documents from you in order to open your account.

  • No. There are no credit checks to open an account.

    For our Personal account holders, we could help you improve or build your credit history at no extra cost by adding our Creditbuilder service to your account.

  • You can pay for your account in several ways:

    By Debit or Credit Card

    A simple one off payment during the application form or using our application status tracker after applying online.
    You’ll need the ten digit application reference number that appeared on the confirmation email or letter that we sent when you applied.

    By SMS  (Only Personal can use this payment method)

    Just choose ‘Pay by SMS’ when you apply, then follow the simple instructions onscreen. All texts are charged at the standard text message cost set by your mobile phone provider. Your mobile phone bill will be charged a fee of £10 - any amount due back to you will be credited to your Cashplus Current Account.

    Electronically, by bank transfer

    Using your unique Account Number and Sort Code, transfer money from any UK bank account online, branch or over the phone, or set up a Standing Order to pay your card fee and to regularly pay money in. And it’s fast: for funds we receive by 9:00pm (including bank holidays) from a bank with a Faster Payments Service, your money will be available the same day.

    Pay Later’ with Cash at a PayPoint store You’ll receive an electronic payment letter at the end of your application and by email. Take a print out of the letter, or simply show it on your phone, to the PayPoint store employee to scan. Then pay for your card and it’ll be with you in 3-5 business days.


    Don’t forget you can go back at any time and pay online with a debit card via our Application Status Tracker.

  • You can download another one by using our application status tracker or from the Application Confirmation email we sent you

  • You can see how quickly your Current Account card application is moving along by using our application status tracker. You’ll just need your ten digit application reference number that appeared on the confirmation email or letter that we sent when you applied.

Verifying your Identity and Address

  • When you apply for a Cashplus Account, checks need to be done to verify your identity. This may mean you’ll need to share certain documents with us that we can use to verify your personal details.

    You can see exactly what you need to provide in the account application confirmation email we sent you along with details of how to share them with us via Online Servicing. If you haven’t seen this email, please check your spam folder or contact us.

    Here’s a list of the documents we’ll accept, broken down into proof of identity and proof of address categories.

    It’s important that your documents are clear, legible, valid and current. You also can’t use the same document to verify both your identity and address, so if you’re using your UK Driver’s licence, you’ll also need another form of certified ID as well.

    For proof of identity:

    *Important – certification of documents required: All documents below listed with a * need to be certified.

    • A copy of your passport
    • A copy of your UK driver’s licence

    Please include copies of the front and back of your card (we won’t accept just the paper counterpart).

    • A copy of your EU driver’s licence*

    Please include copies of the front and back of your card

    • EEA member state ID card*

    Please include copies of the front and back of your card

    • Firearms certificate or shotgun licence*

    Please include copies of the front and back of your licence

    • Northern Ireland electoral ID card

    Please include copies of the front and back of your card

    • Construction industry scheme card*

    Please include copies of the front and back of your card

    • Military ID card*

    Please include copies of the front and back of your card

     

    For proof of address:

    *Important – certification of documents required: All documents below listed with a * need to be certified.

    • A copy of your UK driver’s licence

    Please include copies of the front and back of your card (we won’t accept just the paper counterpart)

    • A bank or building society statement*

    This needs to be an original statement dated within the last three months and not a print out or copy.

    • A utility bill*

    This needs to be an original bill dated within the last three months and not a print out or copy (we won’t accept mobile phone contracts)

    • Benefits or DWP Pension confirmation*

    Please include a copy from the current or new tax year

    • Council tax bill*

    Please include a copy from the current tax year

    • Any letter from HMRC*

    This includes things like confirmation of a tax code and must include your national insurance number and be dated within the last three months

    • Tenancy agreement from a council or housing association*

    This needs to be dated within the last three months and can’t be a private tenancy agreement

    • Credit card or store card statement*

    This needs to be an original statement dated within the last three months and not a print out or copy

    • Council rent card*

    This needs to be an original document dated within the last three months and not a print out or copy

    • Firearms certificate or shotgun licence*

    Please include copies of the front and back of your licence

    • Bankruptcy Order, Bankruptcy Restriction Order or Debt Relief Order*

    Please include a copy dated within the last three months

    • Mortgage statement*

    This needs to be an original statement dated within the last three months and not a print out or copy

    • Inland Revenue Notice of Tax Coding*

    Please include a copy from the current or new tax year

    • Solicitor’s letter*

    This needs to be an original document dated within the last three months and not a print out or copy

     

    If you don’t know what we mean by making sure your document is certified, you can find out more in the FAQ below ‘What’s a certified copy?’.

    For partnerships or limited liability partnerships:

    If you’re applying as a partnership or limited liability partnership, you’ll need to send in the relevant documents for each partner involved, not just one.

    For charities:

    If you’re applying as a charity, only the charity’s trustee can apply with all documentation in their name.

  • This is a photocopy of a document with the words ‘Confirmed a true copy of the original’ added, which has then been signed, stamped and addressed with a name, position and contact phone number of the certifying party.

    Professionals like a solicitor, accountant, doctor, teacher, police office or minister are all qualified to certify your documents. Or you can use an organisation like the Post Office, a bank or building society, job centre or a citizen’s advice bureau. Sorry, but you also can’t certify your own documents – and neither can your relatives!

    We can’t guarantee that all of the above will certify the copy of your document, so please call before travelling to them. If you have any difficulties getting your copy certified, please contact us.

  • Once you have certified copies of the document(s) outlined above, please send them by post to the following address:

    “Freepost CASHPLUS” (note: no other address details or stamp is required)
    Please remember to enclose a quick covering letter that includes your Application Reference Number (this was confirmed to you by email after you applied). 

    Important: Please ensure that you’ve read the list of acceptable documents prior to sending in your documents and that they have been certified as unfortunately, we won’t accept documents after the third submission.

  • Please contact us to see if there are any alternative options available to you.

  • If you don’t provide documents to open your account within 60 days of applying, your application will be cancelled.

    Please ensure that you only send certified copies of documents as shown above, and remember to enclose a quick covering letter that includes your application number (this was confirmed to you by email after you applied).

Once you've been approved for a Cashplus account

  • We want to make it as easy and convenient as possible for you to get your Cashplus account up and running which is why personal accounts (not business) can pay their initial account setup fee over the phone simply by sending us a text message (aka an SMS).

    When you pay by SMS, you’re giving us permission to debit a fixed sum of £10 that will show on your next phone bill. If the price of what you’re paying for is less than £10, we’ll refund the difference back to your Cashplus Account. So if you’re paying your £5.95 account fee by SMS, for example, we’ll debit £10 from your phone bill and refund £4.05 to your Cashplus Account.

    Here’s how to pay by SMS:

    1. When prompted with different payment methods either in the application process or by email, choose pay by SMS.
    2. Write the SMS exactly as instructed, paying particular attention to all spaces and capital letters. This is important, as if you enter it wrong you may not get access to what you’re paying for but could still be charged.
    3. We’ll send you a SMS to let you know we’ve received yours and, where relevant, provide you with a confirmation code. If you don’t get a SMS from us within an hour, call us on 0330 024 0924 and don’t send another SMS as you may be charged again.
    4. Check your next phone bill to see the payment details – it will be called ‘Premium text’ and appear alongside the number you sent it to – and check your Cashplus Account to see any refund you may be due.
  • If you applied online and paid by debit card, or by text, your card should arrive within just three to five working days of being approved. 

    If you chose to pay for your Cashplus card at a PayPoint store, or bank transfer, you should get your card within three to five working days of payment being received by us.

    Alternatively, if you now prefer to pay online, please use the application status tracker to pay using an alternate method.

  • Please Note: These emails can take up to 24 hrs to be delivered.

    We’d first recommended you check your junk mailbox. If you've still not received it, please contact us on 0330 024 0924 and we'll arrange for it to be re-sent to your email address.

  • Keeping your account secure is our top priority. When you apply online, we’ll provide you with your own unique eight digit security code which you'll need when shopping online.

    You can get a reminder of your eight digit security code emailed to you via Online Servicing. Just click on ‘Forgotten Security Code’ and have your card ready and enter the details requested.

Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK. For full website terms including information on Cashplus, Mastercard and use of Trademarks, please see our full legal disclosures at https://www.cashplus.com/legal/. **Credit facilities are provided by Advanced Payment Solutions Ltd (APS) and are subject to the AFL Cashplus e-money account being in good standing and applicants aged 18+. APS is authorised and regulated by the Financial Conduct Authority for consumer credit activities (Registration No. 671140). ♦Calls to 03 numbers cost no more than a national rate call to a 01 or 02 number and will count towards inclusive minutes in the same way as 01 and 02 calls. Calls may be recorded.