Terms and Conditions

These are the terms of the agreement between us, Barclays Bank UK PLC, 1234 Pavilion Drive Northampton NN4 7SG and you, for the prepaid Barclaycard bPay account issued to you under this Agreement

You must tell us as soon as possible if you change your name, address, email or telephone number. You can contact us via the bPay Help Centre at help@bpay.co.uk. You can update your details by logging in to your account online or via the app.

Please note - if you have agreed to take part in a trial then there are some additional terms that will apply just to the bPay device that has been given to you for the trial (your 'bPay trial device') and not to standard bPay devices.

Further details can be found below the standard terms.

Changed your mind?

You can cancel this agreement up to 14 days after the day you register online at www.bpay.co.uk . You will have to pay for any transactions that you make before you cancel. This is separate to any right you may have to a refund of the price you paid for your bPay device.

1 Using your bPay device

1.1 When you register, we will set up a bPay account. You can then link up to 10 bPay wallets to your account with a device each. The bPay devices are available online or via selected partners.
1.2 Your bPay device can be used to make contactless purchases at retailers accepting contactless payments. The contactless limit is set by retailers and is set out in the summary terms and conditions. If it changes we will let you know.
1.3 The maximum balance you can have in your bPay wallet is £200. If you make a purchase, the amount will be taken from the available balance on your bPay wallet immediately, or if it is a Transport for London transaction, at the end of the working day.
1.4 This is not a credit facility. You can only use your bPay device if you have enough money in your bPay wallet to cover the transaction.

2 Adding Money

2.1 You can add money into your bPay wallet using a credit or debit card that is registered to a UK residential address either online or via the bPay app. You can add a single amount or use auto-top up.
2.2 The minimum amount you can add each time is £5 and the maximum is £200. The maximum balance you can have in your bPay wallet is £200. You cannot add more than £400 a day to your bPay account (this includes auto top ups).
2.3 You can automatically top up your bPay wallet with an amount you choose if your balance falls below an amount set by you, subject to the limits in 2.2. You can set this up or cancel it online or via the bPay app.
2.4 You can ask us to return the money in your bPay wallet any time via the bPay app or website. We will return it to a card you have used to load money. If we cannot contact you we may donate any residual balance to charity.
2.5 To prevent money laundering and to ensure the continuous use of your bPay account we will need to confirm your identity. We will try to confirm your identity using data from a credit reference agency. If we cannot, then we will contact you requesting copies of identity documents. If you fail to provide copies of identity documents within 60 days, then we will block all transactions until copies of identity documents are provided.
2.6 Until either we block all transactions in accordance with clause 2.5, or your identity is confirmed using data from a credit reference agency or from us receiving copies of requested identity documents, we will limit your bPay account to £2,000 of transactions or £700 of money, returning from your bPay account to a card used to load money from. For the security of your bPay account and to prevent money laundering if you approach or exceed these limits we will block any transactions evidence of your identity is provided.

3 Making Payments

3.1 If you want to make a payment using your bPay device, you need to authorise the transaction by holding your bPay device next to a contactless terminal. Once you have authorised a payment we cannot change or cancel it.
3.2 If you use your bPay device abroad, the transaction will be converted into pounds sterling at the Visa reference exchange rate applicable on the day the transaction is processed.
3.3 You can view your balance and details of payments in and out of your bPay wallet online or via the bPay app. We will display 6 months of data in the app and online, if you want older information please contact customer services. You should tell us as soon as possible if there is something which you think is wrong.

4 Taking care of your bPay account

4.1 Your bPay account and any bPay devices may only be used by you or authorised third parties. You must keep them secure and not allow anyone else to use them.
4.2 You must use your email address and password in order to access your bPay account online or passcode to access the bPay app. You must learn your password/passcode and keep it secret. Never write it down without first disguising it.
4.3 You must tell us as soon as possible if you think that your account may be or has been misused (e.g. if your bPay device is used without your permission or someone else may know your bPay account or bPay app password) by logging into your account online or via the bPay app.

5 If your bPay device is lost or stolen

5.1 If your bPay device has been lost or stolen please let us know immediately using the lost and stolen option by logging into your account online or via the bPay app. Once you have told us we will block your bPay device.
5.2 You must give us all the information you have about the loss, theft or misuse. We may give this information to the police.

6 Blocking your account and refusing transactions

6.1 We may prevent or limit use of your account or device if we reasonably consider it necessary:
6.1.1 to protect the security of your account;
6.1.2 because we suspect there may be or has been unauthorised use of your bPay account or
6.1.3 if you fail to provide the identity documents that we have already requested for the purpose of confirming your identity.
6.2 Unless the law prevents us from doing so, we will try to contact you by phone, email or post to tell you if we prevent or limit the use of your account, the reasons for doing so and what you can do to resolve the issue.
6.3 You can contact us to find out why we have blocked or limited your bPay account.
6.4 We may refuse to approve a transaction if:
6.4.1 it would be in breach of this agreement;
6.4.2 you do not have enough available balance on your bPay wallet;
6.4.3 You are approaching the limits set out in 2.6 for either purchases or money returning from your bPay account ;
6.4.4 we reasonably consider it necessary to protect the security of your bPay account;
6.4.5 we are required to by law or by a court or other authority;
6.4.6 the payment seems unusual compared with the way you normally use your bPay account;
6.4.7 you have reported your bPay device as lost or stolen;
6.4.8 we suspect fraud or illegality;
6.4.9 we reasonably believe the transaction would damage our reputation; or,
6.4.10 the transaction relates to gambling. You can contact us to find out why we have refused to carry out a transaction.
6.5 If we refuse a transaction this agreement will continue and we will not be responsible or incur liability for any loss or damage you may suffer as a result.
6.6 When considering whether you have enough money in your bPay wallet to make a transaction we will consider amounts that have not yet been added to your bPay wallet such as pending transactions that we have authorised.
6.7 We will not be liable to you for losses or costs caused by abnormal and unforeseeable events which are outside of our control, which might for example include a machine failing to work or industrial disputes, and which would have been unavoidable despite all efforts to prevent them, or resulting from us complying with any regulatory or legal requirement.
6.8 We will not be liable if you cannot use your bPay device because a retailer refuses to accept it or you have damaged it.

7 Refunds and claims

7.1 We will refund a transaction to your wallet if the retailer asks us to or if it was an error.
7.2 If you did not authorise a transaction we will refund it immediately as long as you tell us within 13 months from the date of the transaction. We will have no further liability to you.
7.3 You can notify us of a transaction that you did not authorise by emailing help@bpay.co.uk
7.4 You have a right to a refund if you have agreed that a retailer can take a payment from your bPay wallet, and at the time you authorise the payment the exact amount was not specified. If when the payment is taken it is more than you could reasonably have expected, we will refund it as long as you tell us within eight weeks. We will ask you to provide evidence.
7.5 If you have acted fraudulently, you will be liable for all transactions.

8 Changes to this agreement

8.1 We may make changes to this agreement for any of the following reasons:
8.1.1 If we reasonably consider that it makes the terms easier to understand or fairer to you;
8.1.2 If we reasonably consider that the change will benefit you or isn't to your disadvantage and wouldn't cost you any more;
8.1.3 To reflect reasonable changes to the way we run our business because of a change in the banking or financial system, in technology, or in the systems we use
8.1.4 To reflect legal or regulatory requirements that apply to us (or to reflect where we reasonably expect that there will be a change in a legal or regulatory requirement that applies to us)

9 Changes for other reasons – including to fees

As this contract has no fixed end date, we may from time to time need to make changes for reasons that are not set out here. As long as you can end this agreement without charge, we may make any changes to this agreement, including introducing a new fee, or change the way we charge fees for a reason we haven't set out here.

10 Giving you notice of changes

10.1 We'll tell you about any changes either by sending you an email, text message, bPay app update or any other written communication.
10.2 For all changes we'll give you at least 60 days' notice unless the change is to your advantage, in which case we may give you less notice.
10.3 If we make any changes, to this agreement, we'll let you know when the changes will apply to your bPay account. If you decide that you want to close your bPay account after these changes take place, you'll need to contact us to let us know. The changes will apply until the agreement ends.

11 Expiry of bPay devices

11.1 Each bPay device works on a chip which has an expiry date. You can view your expiry date in your bPay online account or within the bPay mobile app. Go to 'Devices' in the main navigation and select 'Device secure information' next to your device. This will then show the expiry month and year of your device.
11.2 We will not reissue a chip for your bPay device. If you want to continue using your account you may need to purchase a new bPay device.
11.3 We may send you another bPay device or chip as a replacement or an extra bPay device at any time. There may be a charge for any replacement or reissue bPay devices or chips.

12 Ending this agreement

You can end this agreement by contacting us at help@bpay.co.uk . Otherwise, this agreement will continue until you or we choose to end it. Unless we need to close your bPay account immediately we will give you 2 months' written notice before we close your bPay account and block all your bPay devices.

13 Other provisions

13.1 The terms of this agreement are governed by English law and subject to the non-exclusive jurisdiction of the English courts. This agreement is in English and we will only communicate with you in English.
13.2 You cannot use a claim you may have against someone else to make a claim against us.
13.3 You cannot transfer any rights against us to anyone else.
13.4 The Financial Services Compensation Scheme does not apply to your bPay Account.
13.5 You can ask us for a copy of this agreement at any time.
13.6 We will not charge you for this service, but other taxes and costs payable to third parties may apply.
13.7 We will let you know if there's a fraud or security risk to your account by emailing, writing or by phone.

14 Complaints

14.1 If you have a complaint about us, please contact us via your bPay account online and a customer services adviser will explain our Complaints Procedure and try to resolve your complaint. If you do not have an account, email us at help@bpay.co.uk . Please note that this isn't a secure email. So don't provide any confidential or sensitive information in your message.
14.2 If we do not resolve your complaint, you may be able to refer it to the Financial Ombudsman Service at Exchange Tower, London E14 9SR, http://www.financial-ombudsman.org.uk, telephone 0800 023 4 567 or 0300 123 9 123 or email complaint.info@financial-ombudsman.org.uk. The Financial Ombudsman Service an independent service that will look into your complaint and review our response to your complaint. Any complaints will not affect your right to bring a legal claim.
14.3 If we have not been able to resolve your complaint to your satisfaction and you have bought our products or services online, The European Commission has set up a service to help customers who have a complaint about goods or services bought online from traders established in the European Union. If you have a complaint and have not been able to get it resolved to your satisfaction, you can submit your complaint online through the online dispute resolution (ODR) platform. The platform will then send your complaint to the Financial Ombudsman Service for an independent review. You can access the ODR platform here at http://ec.europa.eu/odr.

As a bPay customer, you may use this service if you are still resident in the EU and you entered into your agreement with us online. You will need the following information to use this service:

Kindly note that the above email address is a not a secure way to communicate and customers should refrain from sharing any personal and/or sensitive information on this email address. Barclaycard is not liable for any security risks arising out of information sent to this email address.

The above email address is solely for the purpose of including it on ODR form and for ODR platform to communicate with us. Emails received only from intended senders are actioned. Any other emails such as complaints, feedback, recommendations will not be actioned.

15 How We Use Your Information (Privacy Notice)

15.1 For information on how we use your personal information, cookies and similar technologies, please see our bPay privacy policy at www.bpay.co.uk/device-privacy-policy . Please read the privacy policy carefully before using your bPay device.

Additional Terms applying to bPay Trial Devices Only

• Using your bPay Trial Device

This replaces clause 1.2 (above).

• Your bPay trial device is intended for making contactless payments at trial locations only. The location will have been notified to you when you were invited to participate in the trial. The contactless transaction limit for the bPay trial devices is £200.

• Expiry of bPay Trial Devices

This replaces clause 11.1 (above).

Each bPay Trial device works using a chip which has an expiry date. This chip will be deactivated at the end of the trial period, which will be notified to you separately. Please ignore the expiry date for the chip shown in the bPay app.

Following the end of the trial, you will continue to be able to remove any unspent funds from your account, just like any other bPay device in line with clause 2.4 above.

This information is available in large print, Braille or audio format by contacting us at help@bpay.co.uk .

Barclaycard bPay devices are issued by Barclaycard pursuant to license by Visa Europe limited.

Barclaycard is a trading name of Barclays Bank UK PLC. Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 759676). Registered in England No. 9740322. Registered Office: 1 Churchill Place, London E14 5HP.

Barclays Bank UK PLC adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk