Все не так радостно как в рекламе, но вполне неплохо, если пользоваться ей как платежным средством, итак:
Самый интересный вопрос что касается обмена, будут ли эти 2% сниматься при каждой транзакции или нет, апдейт, почитал условия, таки да за каждую транзакцию не в валюте карточке 2% за конвертацию - по сути разницы с переводом себе в банк нет.. И таки да, как я и предполагал только для an EU resident, то есть жителей ЕС
Moneybookers Card Terms and Conditions
These terms and conditions apply to your Moneybookers Card in addition to the Terms of Use governing your Moneybookers Account. You must read them carefully. In these terms and conditions "you" means the named Moneybookers Cardholder. "We", "us" or "our" means Moneybookers Ltd, Welken House, 10-11 Charterhouse Square, London, EC1M 6EH, United Kingdom. “Card Issuer” means Newcastle Building Society, Portland House, New Bridge Street, Newcastle Upon Tyne, NE1 8AL, United Kingdom.. “Website” means the website at
http://www.moneybookers.com1. Your Moneybookers MasterCard® Prepaid Card
You can use the Moneybookers MasterCard Prepaid Card (the “Moneybookers Card” or “Card”) at any location that displays the MasterCard Acceptance Mark, including shops, restaurants, online, or on the telephone. You can also use your Moneybookers Card overseas. Before using the Moneybookers Card you need to make sure that it is activated and that there are enough funds available (see section 3). You will not be able to use your Moneybookers Card after its expiry date.
Your Moneybookers Card is not a credit card or debit card.
Your Moneybookers Card is issued by the Card Issuer under a licence from MasterCard International. The Card remains the property of the Card Issuer.
2. Applying for and activating your Moneybookers Card
To apply for our Moneybookers Card you must be at least 18 years old and an EU resident. We will require evidence of your identity and your address if we have not already collected this information in relation to your Moneybookers Account. We may ask you to provide documentary evidence to prove your identity and your address and we may carry out checks electronically by verifying your details with credit reference agencies or other ID verification service providers. Checks with credit reference agencies will be undertaken for verification purposes only, not for obtaining a credit scoring.
If your Moneybookers Account is denominated in EUR, USD, GBP or PLN, your card will automatically be issued in the same currency. If your Moneybookers Account is denominated in any other currency, you will be asked to choose one of the aforementioned currencies for your Card.
We will review your application as soon as possible. It remains in our sole discretion whether we issue a Moneybookers Card to you. If your application for a Moneybookers Card is approved, we will endeavour to send your Card to you within 15 business days, however, please be aware that in some instances it can take longer for the Card to arrive.
You must sign the signature strip on the back of the Moneybookers Card as soon as you receive it.
In order to activate the Moneybookers Card you need to visit the Moneybookers website and follow the activation process.
By using the Moneybookers Card you are agreeing to these terms and conditions.
3. Funds available through your Moneybookers Card
Your Moneybookers Card is a way to access funds on your Moneybookers Account and does not hold a separate balance.
You may not spend or withdraw more funds than you currently hold on your Moneybookers Account or allowed by the transaction limits of your Moneybookers Account or the transaction limits of your Moneybookers Card, whichever is lower.
The transaction limits of your Moneybookers Account depend on a variety of factors such as the verification methods you used. Please refer to your Moneybookers Account settings to view your account transaction limits.
Subject to the foregoing, the transaction limits of your Moneybookers Card are as follows:
Cash withdrawal at ATM or bank counter: 250 EUR per day
Purchases (Point of Sale transactions): 1000 EUR per day
Limits are quoted in Euro but if your Moneybookers Card is denominated in a different currency the amount of these limits will be converted applying our then current standard exchange rates which are available online in the Fees section of the Website.
If for any reason a transaction you make with your Moneybookers Card causes the balance on your Moneybookers Account to go into negative, you must immediately upload funds into your Moneybookers Account to cover the negative balance. We reserve the right to take additional steps such as demanding and enforcing payments from you in order to make good any negative balance you incurred.
4. Using your Moneybookers Card
Transactions using a merchant terminal must be authorised by you by entering your PIN or, if making payments using the magnetic stripe, by signing the merchant receipt. You cannot withdraw your authorisation after having entered your PIN or signed the merchant receipt.
Online transactions must be authorised by you by entering your Moneybookers Card details as requested by the retailer. This usually means providing the Card’s card number, the Cardholder’s name, the expiry date of the Card and in many cases the CVC number printed on the back of your Card. You cannot withdraw your authorisation after having completed your transaction.
You must always make sure that your available funds cover both the value of your transaction and the applicable fees.
After your transaction, the funds of your Moneybookers Account available for spending through your Moneybookers Card will be reduced by the amount of the transaction plus any applicable fees. Please note that the actual debit of the transaction to your Moneybookers Account balance may take longer to process in accordance with the following paragraph. To check your available funds, please log into your Moneybookers Account.
The time it takes to execute your payment and debit the corresponding amount to your Moneybookers Account depends on the time at which the recipient of the payment (usually the merchant) submits the transaction to his acquiring bank and the time at which the acquiring bank submits the transaction to us for payment. Once we receive the payment request from the merchant’s acquiring bank, we will conclude the payment within the timeframes required by the Payment Services Regulations 2009.
If your Moneybookers Card is denominated in a different currency from your Moneybookers Account, you will incur an additional currency conversion fee of 1.99% of the transaction amount for each transaction.
You can view your transaction history by logging into your Moneybookers account. You will not receive a separate account statement for your Moneybookers Card.
5. Cancellation and expiry of your Moneybookers Card
You have a legal right to cancel your Moneybookers Card up to 14 days after you receive the Card. – This 14 day period is known as the “Cooling-Off Period”. We will refund the initial charge of the annual card membership fee if you cancel within the Cooling-Off Period.
You also have the right to cancel your Moneybookers Card at any time after the 14 day Cooling-Off Period.
To cancel your Card you should always call the customer helpline on +44 (0) 870 383 0232.
You may also cancel the Card by sending us a message through the “Contact Us” facility in the Support Centre on the Website, but cancellation in that way will not take immediate effect and we will not be responsible for any delay of the cancellation as a result.
Once you have cancelled your Moneybookers Card, you are not allowed to use it and you must destroy it by cutting through the card chip and the magnetic stripe. You must dispose of the card securely so that no third party can get hold of the card number or the security number.
In case of a cancellation, you will not be entitled to a refund of money you have already spent on transactions to which you consented or of any fees for use of the Moneybookers Card before it is cancelled.
We may cancel your Moneybookers Card at any time if we suspect fraud or misuse of your Moneybookers Card, if we have any other security concerns or we need to do so to comply with the law. We will tell you as soon as we can or are permitted to do so after we have taken these steps.
We may also cancel your Moneybookers Card for any other reason by giving you two months’ notice.
Your Moneybookers Card will be valid for 36 months. You are prohibited from attempting to use the card after it has expired. The expiry date is shown on the front of your card.
Shortly before your Moneybookers Card expires, we will notify you and will send you a replacement card, provided that your Moneybookers Account balance holds enough funds to cover the Replacement Card Fee (see section 10).
6. Keeping your Moneybookers Card secure
You should treat your Moneybookers Card like cash and keep it safe at all times. The Card is personal to you and you must not let anyone else use it.
Once you have received your Moneybookers Card PIN, you should immediately memorise it and destroy the notification. If you find your PIN hard to remember, you can change it at most ATM's, by simply selecting the "PIN services" option.
You must keep your PIN secret at all times. Do not write it down or reveal it to anyone. If you think your PIN has been or may have been revealed to another person or otherwise compromised, you must inform us immediately by calling the 24 hour Lost and Stolen Helpline on +44 (0) 207 117 6017.
We recommend that you check the balance on your Moneybookers Account and your transaction history regularly online at the Moneybookers Website. You must report to us any transaction which you have not authorised or otherwise wish to dispute in accordance with the procedure set out in paragraph 8.
If you lose your Moneybookers Card or it is stolen, or you suspect that your Moneybookers Card has been used by someone other than you, you must tell us immediately by calling us on our 24 hour Lost and Stolen Helpline +44 (0) 207 117 6017 so we can cancel your Moneybookers Card. You can also report your card lost or stolen in the “Manage Card” section on the Website.
We and the Card Issuer reserve the right to investigate any disputed transaction or misuse of your Moneybookers Card. In order to do so we may need more information and assistance from you and you are required to reasonably co-operate with any investigation by us, the Card Issuer or any law enforcement agency or other competent authority.
We will refund the amount of any transactions which the investigations show are not authorised by you, provided you have kept your Moneybookers Card and PIN secure, you have not acted fraudulently, or acted without reasonable care. However, if the investigations show that any disputed transaction was authorised by you, or you have not kept your Moneybookers Card or PIN secure, we will not refund the transaction amount.
7. Our liability
Like other payment cards, we cannot guarantee a retailer will accept your Moneybookers Card, or that we will authorise any particular transaction. This may be because of a systems problem, something outside our reasonable control, or because we are concerned that your Moneybookers Card is being misused. Accordingly, we shall not be liable in any event that a retailer refuses to accept your Moneybookers Card, or if we do not authorise a transaction, or if we cancel or suspend use of your Moneybookers Card. Unless otherwise required by law, we shall not be liable for any direct or indirect loss or damage you may suffer as a result of your total or partial use or inability to use your Moneybookers Card, or the use of your Moneybookers Card by any third party. In the event that you do not use your Moneybookers Card in accordance with these Terms and Conditions or we find that you are using the Moneybookers Card fraudulently, we reserve the right to charge you for any reasonable costs that we incur in taking action to stop you using this Moneybookers Card and to recover any monies owed as a result of your activities.
8. Disputed Transactions
Disputes with retailers should be resolved with the retailer directly, see paragraph 13.
If you wish to charge back a transaction which you have not authorised or otherwise wish to dispute a transaction that has been made in error, please contact us by calling +44 (0) 870 383 0232.
Once we receive from you all the information we reasonably require, we will submit your chargeback request to MasterCard within one week. From this point it should take no longer than 45 days for your chargeback to be processed, unless the chargeback is rejected by the retailer.
You should present a chargeback request as soon as possible and in any event within 120 days from the date of the transaction. This will not affect your statutory rights with regards to chargebacks due to non-authorisation or any technical or administrative error on our part.
9. Changes to these terms
The up-to-date version of the Moneybookers Card terms and conditions will always be available on the Moneybookers Website. We may change these terms at any time. Any changes will be communicated to you by email. Unless we expressly give you a different effective date, the changes shall take effect two months after they have been communicated to you, unless you have notified us of your objection to the proposed changes before they take effect. In this case we reserve the right to cancel your Moneybookers Card by giving you two months’ notice. Your right to cancel your Card at any time remains unaffected.
Changes to the spending limits of your Moneybookers Card that are necessary in order for us to comply with legal requirements are not considered to be changes of these Terms and Conditions therefore do not require prior notice. You can always check your spending limits by logging into your Moneybookers Account.
10. The Fees
The following Card fees apply:
Annual Card Membership
€10 per year (first paid at application and annually thereafter)
Additional Card Fee
Not applicable
Other initial fees
Not applicable
Limits
Cash withdrawal at ATM or bank counter: 250 EUR per day
Purchases (Point of Sale transactions): 1000 EUR per day
Note that other limits may apply depending on the verification status of your Moneybookers Account. You can view these limits at any time in your Account section of the Website.
Replacement Card
€ 10
Transaction without currency conversion
Free
Transaction requiring a currency conversion
1.99% on top of wholesale exchange
Domestic (UK) ATM Withdrawal
€1.80 per transaction
International ATM Withdrawal
€1.80 per transaction
Online Balance Enquiry
Free
Fees will be deducted from your Moneybookers account balance. Fees are quoted in Euro but if your Moneybookers Account is denominated in a different currency the amount of fees will be converted applying our then current standard exchange rates which are available online in the Fees section of the Website.
When you use your Moneybookers Card at an ATM, you may also be subject to applicable fees, surcharge rules and regulations of the relevant ATM, or other financial institution or association.
Communication of foreign exchange rates
If you make a transaction that requires one or more currency conversions (for example because your Card or your Moneybookers Account is denominated in a currency that is different from the currency charged by the retailer), we will charge you a foreign exchange fee of 1.99% of the transaction amount for each currency conversion. This does not apply to the fee conversions stated above.
The exchange rate applicable to each transaction is determined by MasterCard and depends on the time at which a transaction is executed through the MasterCard system. This in turn depends on the time at which the recipients’ acquiring bank submits the transaction for payment by us. The exchange rate actually applied will be shown in your Moneybookers
Account transaction history once the transaction is processed.
11. Your details
You must let us know as soon as possible if you change name, address, phone number or e-mail address. If we contact you in relation to your Moneybookers Card, for example, to notify you that we have cancelled your Moneybookers Card or to send you a refund by cheque, we will use the most recent contact details you have provided to us. Any e-mail to you will be treated as being received as soon as it is sent by us unless within 24 hours we receive a failure notice indicating that the email has not been transmitted. We will not be liable to you if your contact details have changed and you have not told us.
12. Data protection
In applying for the Moneybookers Card and using it, you agree that we can use your personal information in accordance with our Privacy Policy. Our Privacy Policy is set out on the Moneybookers Website, and includes details of the personal information that we collect, how it will be used, and who we share it with.
By using the Moneybookers Card at retailers or elsewhere to make a payment or withdraw cash, you consent to the use of your personal information as required to execute the payment in accordance with regulatory requirements and the MasterCard Rules. Depending on where you use your Moneybookers Card, this may include a processing of your information outside the European Economic Area.
13. Disputes with retailers
If you have any disputes about purchases made using your Moneybookers Card, you should settle these with the person you bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with your Moneybookers Card.
14. Communication
If you have an enquiry relating to your Moneybookers Card, you can use the "Contact Us" facility in the Support Centre on the Website. We will deal with your enquiry promptly. If you do not wish to enquire in this way you can alternatively call our customer service telephone line on +44 (0) 870 383 0232. The customer services telephone line is a chargeable service.
15. Complaints
The Moneybookers Card is managed by Moneybookers. If you are unhappy in any way with your Moneybookers Card or the way it is managed, tell us by using the ”Contact Us” facility in the Support Centre on the Website or call us on +44 (0) 870 383 0232 so we can investigate the circumstances for you. Any complaints you have will be dealt with quickly and fairly. You may be able to take unresolved complaints to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800 and e-mail:
complaint.info@financial-ombudsman.org.uk 16. Compensation
The Moneybookers Card is an electronic money product and although it is a product regulated by the Financial Services Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the Card. This means that in the unlikely event that Newcastle Building Society or Moneybookers become insolvent your funds may become valueless and unusable and as a result you may lose your money.
17. Assignment
We may assign the benefit and burden of these terms and conditions to another company at any time, on giving you at least two months prior notice of this. If we do this, your rights will not be affected.
18. Governing law
All communications with you will be in English. These terms and conditions will be construed in accordance with English law.
19. Statutory Information
Your Moneybookers Card is issued by Newcastle Building Society, Portland House, New Bridge Street, Newcastle Upon Tyne, Tyne and Wear, NE1 8AL, which is authorised and regulated by the Financial Services Authority (registered number 156058) as a building society. NBS subscribes to the Banking Code, copies of the Code are available upon request. Your Moneybookers Card is the property of Newcastle Building Society and is not transferable to anyone else.
Moneybookers Ltd is incorporated in England and Wales and its registered office is at Welken House, 10-11 Charterhouse Square, London EC1M 6EH, United Kingdom. Moneybookers is contactable electronically by using the “Contact Us” facility in the Support Centre on our Website. Moneybookers is authorised and regulated by the Financial Services authority as an issuer of e-money (registration no. 214225).
The address of the Financial Services Authority is 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom. Its website can be found at
http://www.fsa.gov.uk.
You may ask for a copy of the current Terms and Conditions at any time by contacting us using the “Contact Us” facility in the Support Centre on our Website or by calling +44 (0) 870 383 0232. We will send you the current Terms and Conditions via email to the email address registered with your Moneybookers account.
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