one time passcode sent again via text message.
Contis Group Limited or third party acting on its behalf (“we”, “us” or “our”) is committed to protecting and respecting your privacy.
This policy together with our Cookie Policy, our Terms and Conditions and any other documents referred to in them, sets out the basis on which any personal data we collect from you, or that we collect about you, on www.credecard.com (our “Website”), on our credEcard App (our “App”)or when you communicate with us by email, telephone or post will be processed by us.
We will be the data controller of your personal data which you provide to us or which is collected by us about you. This means that we are responsible for deciding how we hold and use personal data about you and that we are required to notify you of the information contained in this policy. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
If you have any queries, you can contact us using the details provided at the end of this policy in the “Contacting Us” section.
Ensuring the lawful use of your personal dataWe will only use your personal data where we have a lawful basis to do so. We will usually only use your data:
Further details of how we will use your personal data are provided below.
What information we collect from you and how we use it
When you apply to create an account
When you apply to create an account on our Website or App, we will need to collect the following details about you:
We will use this information for the purposes of processing your application and, if your application is successful, creating and managing your account and providing any products or services you request to you. If you have consented, we will also send our newsletter to you by email.
You will not be able to apply to create an account or order products or services from us without providing this information.
Fraud and money laundering checksIn order to process your application and before we fulfil your order and provide services, goods or financing to you, we will use the information you provided to create your account to undertake checks for the purposes of preventing fraud and money laundering, and to verify your identity. This may involve sharing your personal data with fraud prevention agencies. We will continue to carry out these checks on a regular basis while you are a customer of ours.
When we and fraud prevention agencies process your personal data, we do so on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our business and to comply with laws that apply to us. Such processing is also a contractual requirement of the services or financing you have requested.
We, and fraud prevention agencies, may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.
Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years.
Automated decisionsAs part of the processing of your personal data, decisions may be made by automated means. This means we may automatically decide that you pose a fraud or money laundering risk if:
You have rights in relation to automated decision making: if you want to know more please contact us using the details below.
Consequences of processingIf we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services and financing you have requested or we may stop providing existing services to you.
A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details below.
Other than the automated processing set out above, we shall not carry out solely automated decision-making using your personal data.
When you contact usWhen you contact us, we will need to collect personal data about you to verify your identity before we disclose any information to you for data security purposes. We will be unable to deal with your query unless you provide the information we request. We may also collect any other personal data you choose to provide to us when communicating with us. We will only use that personal data for the purposes of dealing with your enquiry.
Other uses of our Website or AppWe will also collect any other personal data that you provide to us when you use our Website or App, such as when you participate in discussion boards, social media functions or competitions.
Each time you visit our Website or App, we may automatically collect the following information:
We are also working closely with third parties (including, for example identity verification agencies, marketing agencies and fraud prevention agencies) and we may receive information about you from them for the purposes of identity verification, marketing and fraud prevention.
Change of purposeWe will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If we need to use your personal data for an unrelated purpose, we will usually notify you and we will explain the legal basis which allows us to do so.
Disclosures of your informationWe will disclose your information to:
Your data is secured by encryption, firewalls and Secure Socket Layer (SSL) technology. This is industry standard encryption technology which manages the security of messages transmitted across the internet. When we receive your data, we store it on secure servers which can only be accessed by us. We store your passwords using one way encryption which means we do not know what your password is.
Storing your data within and outside the EEAOur third party data host provider uses servers located in the US to store personal data. As a result, when you use our Website or App, your personal data will be transferred to the US which is located outside of the European Economic Area and so is not governed by European data protection laws.
However, we have entered into the standard contractual clauses (Model Clauses) adopted by the European Commission with OrcsWeb Inc, in order to safeguard personal data when it is accessed from outside of the European Economic Area . We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this policy when it is transferred, stored or processed in this way.
Whenever fraud prevention agencies transfer your personal data outside of the European Economic Area, they impose the standard contractual clauses (Model Clauses) adopted by the European Commission on the recipients of that data in order to safeguard personal data when it is accessed from outside of the European Economic Area. They may also require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing.
More information about the Model Clauses is available here http://eur-lex.europa.eu/legal-content/en/TXT/?uri=CELEX:32010D0087.
Social mediaIf you connect or integrate any social media services with services we provide, you may receive social notifications either from us or from third party companies providing social media services on our behalf. You can manage these social notifications through changing your privacy settings on the relevant social media site or discontinuing any interaction. If you register and provide information to a forum or blog on our Website or App, the information you provide will be published and will be publicly available on our Website or App. It may also be used to address any concerns or complaints about our services directly with you if you are an account holder.
Future changesAny changes we make to our policy will be put on our Website and App and, where appropriate, notified to you by e-mail. Please check for updates from time to time.
Retention of your DataWe will retain your personal data for as long as you continue to use our services. Thereafter, we may retain your information for an additional period as is permitted or required under applicable laws. For example:
Data protection laws provide you with the following rights to:
You also have the right to object to the processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal data for direct marketing purposes.
You will not have to pay a fee to access your personal data (or to exercise any of the other rights above). However, we may charge a reasonable fee if your request for access is clearly unfounded or excessive. Alternatively, we may refuse to comply with the request in such circumstances.
We may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is another appropriate security measure to ensure that personal data is not disclosed to any person who has no right to receive it.
Where we rely on your consent to process your personal data, for example if we need your consent to send you any direct marketing, you have the right to withdraw your consent for that specific processing at any time. To withdraw your consent, please contact us using any of the details set out below in the “Contacting Us” section. Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legitimate basis for doing so in law.
If you are unhappy about how your personal data has been used please refer to our complaints procedures, details of which can be found in your account Terms and Conditions. You also have a right to complain to the supervisory authority, which in the United Kingdom is the Information Commissioner's Office https://ico.org.uk/, which regulates the processing of personal data.
Contacting usIf you have any questions about this policy, you can contact us by using the ‘Contact us’ facility on our Website or in the following ways:
By post at:
Data Protection Officer
Contis Financial Services
Navigation House
Belmont Wharf
Skipton
North Yorkshire
BD23 1RL
DPO@contis.com
By telephone at:01756 693245
“You” means the named account holder being the authorised user of the Canvas account and Visa debit card and any additional cardholder.
“We”, “us” or “our” means Contis Financial Services Ltd or a Distributor acting on our behalf.
If you have any questions you can contact Customer Services by:
Your Canvas account and Visa debit card is issued by Contis Financial Services Limited, Navigation House, Belmont Wharf, Skipton, North Yorkshire, BD23 1RL, who is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (registered number 900025) as an e-money issuer. Your Canvas account and card may be distributed by a third party on our behalf.
What is a Canvas account and card?
A Canvas Account is an electronic money account from which you can make and receive payments. You can use your account to make transfers to other accounts, set up standing orders and make direct debit payments.
A Canvas card is a Visa debit card that can be used worldwide wherever Visa is accepted. It can be used online, in shops, over the phone or to withdraw cash from an ATM.
You can only spend money that you have paid into your account, so before making transfers or using your card you need to make sure there are enough funds in the Canvas account. Monies in the Canvas account are not bank deposits and do not earn interest.
Who can apply for a Canvas account and card?
You must be at least 18 years old and a UK resident to be issued with a Canvas account and card. You must provide an email address and mobile phone number to open an account so that we can communicate with you. There is a maximum of five accounts at each residential address.
How can I apply for the Canvas account?
You can apply on the Canvas app.
Before we can open an account for you and issue you a card we may require evidence of your identity and residential address and we may also need to carry out checks on you electronically.
How do I get started?
As soon as you receive your card you must sign the signature strip on the back.
You will then need to activate your card. You can do this:
You also need to obtain your PIN to authorise chip-and-pin transactions and ATM withdrawals. You can get your PIN by calling Customer Services when you activate your card or through your online account.
By activating your card you are agreeing to these Terms & Conditions. Your card must be activated within 3 months of it being issued or it may be automatically cancelled and your account may be closed.
What if I want to change my Personal Identification Number (PIN)?
If you want to change your PIN, you can do so at any ATM with the Visa logo in the UK. You can get a reminder of your PIN through your Canvas app or by calling Customer Services.
How do I add funds to the Canvas account?
You may pay in to your account by transfer from a bank account, by cash at selected retail outlets and any other method notified in your online account portal from time to time. The time taken to credit funds to your account will depend on the method of deposit used. You cannot pay into your account by a balance transfer from a credit card. You may only pay in funds up to your maximum account balance.
A fee may apply for each payment into your account through a PayPoint retailer, please refer to the Fees and Limits table (section 32). Certain minimum and maximum limits and usage requirements apply to your account and card; such limits and requirements are detailed in the Fees and Limits table (section 32). We reserve the right to refuse to accept any particular payment if we suspect any fraudulent activity or in the event of other exceptional circumstances.
As soon as we receive the funds that you have paid in, they will be on your account and ready to use. There may be occasions when we delay the funds reaching your account for up to three working days, this may happen when we need to confirm the transaction with the sending bank.
Where an overpayment has been made to your account in error, we reserve the right to debit the account with the excess amount to correct the payment transaction.
When available you may transfer funds to your envelopes within your account, details will be available via the mobile app. You are responsible for ensuring there are enough funds in your available balance for us to authorise your transactions or enough funds in your envelope to pay any future standing orders or direct debits you have set up.
You can request to receive an SMS notification when funds are paid into your account, a fee applies, please refer to the Fees and Limits table (section 32).
How do transactions work?
The first step will be to follow the instructions of the merchant or ATM to authorise a transaction. A card transaction is authorised when you:
Like other payment cards, we cannot guarantee a retailer or ATM will accept your card.
An account transaction is authorised by you when you access your online account using your personal security details and submit a transaction request or where you have set up a Direct Debit instruction. You must ensure that you input the correct bank account details for any payment you request from your account.
You may, in addition, be required to enter a onetime passcode or other security information including biometric information to authorise a transaction or make account amendments. One time passcodes will be sent to the mobile phone number registered to your account.
As soon as a transaction is authorised we will deduct the value of your transaction from the available balance on your account. Fees may be deducted at the time of authorisation or when the transaction has been confirmed through the Visa system. A full breakdown of each transaction, including charges, will be available to view on your online account portal.
Once we have received authorisation for a transaction we will transfer funds to the retailer within 3 days or to a bank or financial institution on the day we receive the authorisation or the day you requested the payment to be made for future dated transactions. A transaction will be received as follows:
Can I cancel a transaction?
Generally, authorisation for a transaction may not be withdrawn by you. However, you may be able to withdraw your authorisation where you have authorised a transaction which will take place on a future date. However, where a specific date is agreed, you may not revoke a payment order after the end of the business day preceding the agreed date.
You can cancel a Direct Debit or standing order mandate at any time by contacting us and you can manage cancellations online through your account or on the Canvas app. If you want to make sure that no further payments are made under a Direct Debit you should cancel three working days before the day on which the next payment is due to be made. You must also contact the originator of the Direct Debit. You cannot normally cancel a single payment which is due to be made under a continuing Direct Debit unless you dispute the amount or date of a payment advised to you in an advance notice issued under the terms of a variable Direct Debit authority. In any other circumstances the whole Direct Debit authority must be cancelled.
To withdraw your authorisation of a Visa debit card continuous payment authority, you must notify the retailer before the close of business on the business day before the day on which the transaction was due to take place and provide us with a copy of the notice if requested.
We may charge you an Administration Fee if a transaction is revoked by you under this paragraph (see the Fees and Limits table (section 32)).
Can I pay for things in a foreign currency?
Your card is denominated in British Pounds Sterling. If you make a purchase or an ATM withdrawal in any other currency we will convert the sum into pounds sterling using the exchange rate set by Visa on the day they process the transaction, this may differ from the actual date of the transaction.
An international transaction fee will apply to each of these transactions (see the Fees and Limits table (section 32).
Any changes to the exchange rate used to convert foreign transactions will be made immediately. You can find the exchange rate for a transaction made in a currency other than pounds sterling on a given date at: http://www.visaeurope.com/en/Cardholders/exchange_rates.aspx.
Is there anything I can’t buy with my Canvas card?
You may not use your card for illegal purposes. It also cannot be used for a limited number of specified transactions. Please see our website for details.
How can I check my Canvas account?
You can check your account by accessing it securely through the Canvas app. Your statement will show:
This information is accessible at all times via your online account portal, is available free of charge, and can be stored and reproduced as necessary. Paper statements are available on request and are subject to a fee (see the Fees and Limits table in section 32).
You can also choose to use our SMS service to request your balance on your mobile phone and set-up SMS notifications for when money is paid into your account and when you have made a purchase or ATM withdrawal. Additional SMS services will be set out on our website or via your online account portal when they become available. The SMS number for registered cardholders is 07770 500500; standard mobile phone charges apply and a fee is charged for each SMS message that we send. Please refer to the Fees and Limits table (section 32). You agree that you have permission from the bill payer to access our SMS services.
How long will the Canvas card last?
Your card will be valid for 3 years. You will not be able to use your card after its expiry date. This agreement shall terminate when your card is cancelled or expires and is not replaced.
Does the Canvas account and card have spending limits?
You can only spend the money that is paid into your account. Limits also apply to daily ATM withdrawals, and other limits may be applied to the amount of spend and the number of transactions you can perform. See the Fees and Limits table (section 32) and your online account portal for further details.
If, for any reason, the transaction is completed when there are insufficient funds in your account then you will have to reimburse the shortfall to us, unless it is due to an error by the retailer with whom you made the transaction.
We may collect this shortfall from any card you have with us or from any funds which you subsequently pay into your account. We may suspend your cards until the negative balance is restored and charge you an Administration Fee (see the Fees and Limits table (section 32)) for transactions that you make using your card that results in a negative balance or increases the negative balance on your account.
What if I have been overcharged or charged for transactions I didn’t make?
If you dispute a transaction that has been processed on your card you should contact the merchant first as this may lead to the quickest resolution. If the dispute cannot be resolved with the merchant or you dispute any other account transaction you should contact us without undue delay and in any event within 13 months on becoming aware of any unauthorised or incorrectly executed payment transaction.
Where you have informed us that an executed payment was not authorised by you in accordance with these Terms and Conditions, and you have taken all reasonable steps to keep safe personalised security information, keep your card secure, not disclosed your PIN or security information to anyone else and not acted fraudulently, we will:
Beyond this, we will have no further liability to you. Where payee details provided by you are incorrect, we are not liable for non-execution or defective execution of the payment transaction, but we will make reasonable efforts to recover the funds involved in the payment transaction and notify you of the outcome.
You may be entitled to claim a refund in relation to transactions where:
If you allow payments to be made from your account using the UK Direct Debit Scheme, the Direct Debit Guarantee (which you’ll be given on the Direct Debit form or Direct Debit confirmation) will apply instead of the terms contained above and in section 17.
What about security?
You must keep your card and security credentials safe and not let anyone else know or use them. You must keep your security information secret at all times; never disclose your PIN or security information to anyone and do not store details of your PIN with your card. Security information includes your login and password details used to access your account or any other website where your card or account details are stored. We also recommend that you check the balance on your account regularly on the Canvas app or by contacting Customer Services.
What if my Canvas card is lost or stolen or my account details are compromised?
If you lose your card or it is stolen, or you suspect that someone else has found out your PIN or security information or accessed your account without your permission, you must tell us without undue delay by calling us or logging onto your account through the Canvas app and notifying us. Your card will be cancelled immediately and your account may be blocked. We run a dedicated line for lost or stolen cards; the number is 0333 202 3645 and calls are charged at the standard geographical rate. If, after reporting a lost card, you subsequently find the card you must not use it. Cut it in half through the signature box, magnetic strip and chip.
If you ask us to do so, and provided that you provide information and assistance that we request from you, we will investigate any disputed transaction or misuse of your card or account.
If the investigations show that any disputed transaction was authorised by you, or you have acted fraudulently or with gross negligence (for example by failing to keep your card, security information or PIN secure or by failing to notify us without delay on becoming aware of the loss, theft, misappropriation or unauthorised use of the card or account), then we will not refund the transaction amount and you will be fully liable for all losses incurred because of the unauthorised use of the card or account. .
If the investigations show that you have not acted fraudulently or with gross negligence, your maximum loss or liability to us for any unauthorised transaction will be limited to £35 and we will process a refund as soon as practicable, and in any event no later than the end of the business day following the day after we receive your notification.
Will you ever block a transaction without me asking?
We may refuse to pay a transaction or honour a Direct Debit:
If we refuse a transaction, we will tell you why immediately, if we can, unless it would be unlawful for us to do so. You may correct any information we hold and which may have caused us to refuse a transaction by contacting Customer Services.
Can I cancel my Canvas account and card?
You have a legal right to cancel your account and card up to 14 days from the date your account is opened without incurring any penalty and we will refund any card issue fees. We may charge you a Card Cancellation Fee if we have already incurred costs by ordering a card in your name. You can also cancel your card any time after the 14 day period subject to a Redemption Fee (the Fees and Limits table (section 32)) by contacting Customer Services. You should also cut your cancelled card in half through the signature box, magnetic strip and chip.
All fees and charges will be apportioned up until the time of the termination of the contract, and any fees and charges paid in advance will be reimbursed proportionally. You will not be entitled to a refund of money you have already spent on transactions authorised, or pending or any fees for use of the card or account before the card or account is cancelled or expires.
Could my Canvas account be cancelled?
We may cancel your account and this agreement by giving you at least two months’ notice. Reasons for cancellation may include:
We may also cancel your account immediately if we:
We may also deny access to your card and/ or account where we consider it to be at risk of money laundering or terrorism financing, fraud or other criminal activity. Should we need to take these actions and where possible, we will give reasons for doing so except where restricted by law.
In these circumstances, you must tell us what you want us to do with any unused funds. You must do this within 3 months of the date we tell you that your account is cancelled.
Can I get money back once I have put it on?
You can clear the balance on your account through spending, ATM withdrawals, or transfers to other bank accounts. See the Fees & Limits table (section 32) for the fees that would apply.
Alternatively, you may request a refund of the funds on your account by contacting Customer Services and confirming that your card has been destroyed by cutting it up. We will transfer your funds back to you at no cost to you, unless:
If one of these situations does apply then we will charge a Redemption Fee (see the Fees and Limits table (section 32)).
We will not redeem the value of the funds on your account to you if your request for redemption of the funds is more than six years after the date of termination or expiry of this agreement.
All funds will be returned to a bank account of your choice. We reserve the right to see proof of your ownership of the bank account before transferring funds to it. To enable us to comply with our legal obligations, we may ask you to provide us with certain information such as identification documents before we can process your refund request.
Please also refer to section 29 below for the circumstances in which we do not give you a refund.
Is money on my Canvas account protected like my bank account?
The account and associated card is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the account and associated card. We will however ensure that any funds received by you are held in a segregated account so that should we become insolvent your funds will be protected against claims made by our creditors.
What if I have a complaint?
If you are unhappy in any way with your card and account or the way it is managed, you can contact Customer Services so we can investigate the circumstances for you. Any complaints you have will be dealt with quickly and fairly.
We will make every possible effort to address all points of complaint by email. We will respond within 15 business days upon receiving the complaint. If a full response cannot be providing within these timeframes, we will send a holding reply with a full response to follow within 35 business days.
If we are unable to resolve your complaint to your satisfaction you may contact the Financial Ombudsman Service at Exchange Tower, London, E14 9SR. Telephone: +44 (0)800 023 4 567 from landlines, +44 (0)300 123 9 123 from mobile phones or +44 (0)20 7964 0500 for calls from outside the UK and e-mail: complaint.info@financial -ombudsman.org.uk.
What if I change my details?
You can change your address, telephone number, mobile number and email address via mobile app. To change your name you need to get in touch with our customer service team and provide proof. If we contact you in relation to your account we will use the most recent contact details you have provided to us. Any e-mail or SMS text message sent to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not told us.
What will happen to my personal information?
We are the controller of your personal data which we will use in order to open, administer and run your account. You hereby consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you. For further information about how we will use your personal data, please view our Privacy Policy in the Canvas app. You may withdraw your consent to the use of this data by closing your account.
Will these Terms & Conditions ever change?
We may change these Terms & Conditions by notifying you by e-mail or other agreed means at least two months before the change is due to happen. We will assume that you agree with the change. If you do not agree with the change you must tell us before the change happens and we will cancel your account immediately. If you cancel your account in this way then we will return any balance on the account to you and you will not be charged a Redemption Fee.
An up-to-date version of the account Terms & Conditions, as well as any notices of future changes will always be available via the Canvas app and our website: https://login.contis.com/canvas. You should check our website and your Canvas app regularly for such notices and changes.
When may use of the Canvas card and account be interrupted?
From time to time, your ability to use your card or account may be interrupted, e.g. when we carry out systems maintenance. If this happens, you may be unable (a) to use your card to pay for purchases or obtain cash from ATMs and/or (b) to obtain information about the funds available in your account and/or about your recent transactions.
In addition, like other payment cards, we cannot guarantee a merchant will accept your card, or that we will necessarily authorise any particular transaction. This may be because of a systems problem, something outside our reasonable control, to comply with legal and regulatory requirements, or because we have suspended, restricted or cancelled your account or refused to replace it in accordance with these Terms & Conditions.
What is our responsibility?
If we incorrectly deduct funds from your account, we will refund them. If we subsequently establish that the refunded amount had in fact been correctly deducted, we may deduct it from your available balance and may charge you a fee. If you do not have sufficient available balance, you must repay us the amount immediately on demand.
If unauthorised transactions occur after you have notified us of the loss, theft, compromise or unauthorised use of your card or account, and you have not acted fraudulently or in breach of these Terms and Conditions, then we will be liable.
We will not be liable:
For the SMS services we offer, we are not responsible for lost, late or undelivered text messages, notifications or communications. We accept no responsibility for any technical, computer, online, telephone, cable, electronic, software, hardware, transmission, connection, internet, website or other access issue which may hinder your ability to access the SMS services.
Nothing in these Terms and Conditions shall operate to exclude liability for death or personal injury due to negligence or for fraud or fraudulent misrepresentation or for any statutory liability that cannot be excluded or amended by agreement between the parties.
When can I be charged (other than the fees in section 32)?
We may charge you for any reasonable costs that we incur in taking action to stop you using your card or account and to recover any monies owed as a result of your activities if you:
In these circumstances we will not refund transactions and we reserve the right to charge you for any reasonable costs that we incur in taking action to stop you using your account and to recover any monies owed as a result of your activities.
If you have not been fraudulent, or grossly negligent, and have used your card and account in accordance with these Terms & Conditions, your maximum liability for any unauthorised transaction resulting from the use of a lost or stolen card or details before you notify us will be £35.
We may also charge you an Administration Fee if we have to manually intervene to complete a payment or rectify an error on the account caused by an error or omission on your part.
Am I permitted to give access to third party providers?
You may allow regulated Third Party Providers (“TPPs”) (including Account Information Service Providers (“AISPs”) and Payment Initiation Service Providers (“PISPs”)) access to your online account; either to make payments, obtain account balances or obtain information on previous transactions.
Before giving consent to a TPP, you should:
We may refuse to allow a TPP access to your account where we are concerned about fraudulent or unauthorised access.
We are not party to, or responsible for, any agreements between you and a TPP. Subject to any rights to refund you may have under these Terms and Conditions, we shall have no liability for:
Can I assign my rights or obligations under these Terms and Conditions?
You may not transfer or assign any rights or obligations you may have under these Terms & Conditions to any other person without our prior written consent. We may assign the benefit and burden of these Terms & Conditions to any other person at any time on giving you two months prior notice of this. If we do this, your rights will not be affected.
Governing law
This Agreement is concluded in English. All communications with you will be in English. These Terms & Conditions will be construed in accordance with English law and the exclusive jurisdiction of the English courts.
Canvas Fees
Fees and Charges |
Value |
Comments |
Card Fee |
Free |
|
Additional Card |
£5.00 |
One additional card is available. Additional cardholders must be 13 years or over. Additional cards share the Canvas Account holder’s funds. |
Replacement Card |
£5 .00 |
£5.00 for lost/stolen/damaged replacements. Expired cards are replaced for free. |
Monthly Management Fee |
£2.50 per month |
First charge is within 15 days of card request. |
Card delivery times |
Within 10 working days |
|
Transactions and Purchases |
||
UK purchases |
Free |
|
European purchases |
1.5% of the transaction value |
Any transaction in a foreign currency will be converted into pounds. We’ll do this at the rate of exchange provided by Visa Europe on the date they process the transaction which may differ from the actual transaction date. See more information on exchange rates on the Visa Europe website. |
International purchases |
2% of the transaction value |
|
ATM Withdrawal UK* |
£0.75 |
|
ATM Withdrawal Europe*
|
£1 plus 1% of the transaction value |
Any transaction in a foreign currency will be converted into pounds. We’ll do this at the rate of exchange provided by Visa Europe on the date they process the transaction which may differ from the actual transaction date. See more information on exchange rates on the Visa Europe website. |
ATM Withdrawal International* |
£1 plus 2% of the transaction value |
|
Cashback Instore |
Free |
You can request up to £50 cashback at participating UK retailers when making a purchase. |
Account Loading Fees |
||
Bank transfer |
Free |
Add funds to your Canvas account by bank transfer from a UK bank account. |
PayPoint |
£0.50+ 3% |
Maximum load amount of £249. |
Transfer Fees |
||
Future dated Faster Payment transfer from account |
Free |
Transfer money to a UK bank account on a specified date via Faster Payments. |
Same day Faster Payment transfer from account |
Free |
Transfer money to a UK bank account on the same day via Faster Payments |
Same day transfer from account (CHAPS) |
£15.00 |
Transfer money to a UK bank account on the same day, some restrictions may apply. |
Other Fees |
||
ATM balance enquiry |
£0.10 |
Balance enquiries are FREE through your Canvas app. |
SMS Alerts** |
£0.10 |
Optional service for confirmation of purchases, withdrawals and balance enquiries. |
Email Alerts |
Free |
Optional service for confirmation of statement generation, bank transfers from account and marketing messages. |
Call costs to Customer Services |
Standard geographical rate |
Calls to 0330 100 4866 are charged at standard geographical rates and will be included in mobile phone inclusive minute packages. |
Statements paper (per 62 days) |
£1.50 |
You must request a paper statement by contacting Customer Services. |
Statements online (per 62 days) |
Free |
|
Inactivity/dormancy fee |
£0 |
Applied when there have been no transactions on the account for 30 days |
Standing order setup fee |
Free |
|
Unpaid Direct Debit fee |
£1.00 |
Applies where a direct debit is declined due to insufficient funds in the account. |
Administration Fees |
£10.00 |
Administration fee for instigating a chargeback on request of the Cardholder, transaction revocation, manually rectifying Cardholder errors or investigating shortfalls. |
Card cancellation fee |
£ 2.00 |
When you cancel the agreement within the first 14 days and a card has already been ordered in your name. |
Redemption fee |
£2.00 |
When you request a funds transfer on closing of the account. |
Limits |
||
Minimum single pay-in |
£10.00 |
|
Maximum daily ATM withdrawal |
£250.00 |
|
Maximum balance |
£10,000.00 |
|
PayPoint pay in |
£249 |
|
Expiry |
36 months |
The card is valid for 36 months |
Notes to fees and limits:
* some ATM providers may charge an additional fee and should advise you before you confirm the transaction.
** standard operator SMS charges apply for balance requests and addition charges may apply to receive SMS information outside the UK.
Your Visa Canvas card and account is issued by Contis Financial Services Ltd who is authorised by the Financial Conduct Authority to issue e-money (Firm Reference Number: 900025) and is a member of Visa. Registered head office is Navigation House, Belmont Wharf, Skipton, North Yorkshire, United Kingdom BD23 1RL.
Please note that CanvasVisa card and account is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. We ensure that any funds received by you are held in a segregated account so that in the unlikely event that Contis Financial Services Ltd becomes insolvent your funds will be protected against claims made by creditors.
Calls are charged at the standard network rate and may be included in package minutes
Monday to Friday 8am - 8pm and Saturday 8am - 4pm
Navigation House, Belmont Wharf, Skipton, North Yorkshire, BD23 1RL
Phishing is the name given to cyber fraud relating to an email/SMS message/phone call that is disguised to trick the user into clicking a link or open an attachment. This is done by the fraudster making the email something that you may want or need like, a request from your bank or a message from a friend/trusted person or even a company that you have dealings with.
Ultimately, the end goal is to gather personal information that the fraudster can use to commit fraud. Information such as Date of Birth, email password, payment card information etc. Phishing is a global problem and growing very fast in the internet world.
By taking certain precautions you can prevent one from falling prey to such attacks. In Phishing, it requires co-operation from the victim – it needs you to initiate some sort of action or provide sensitive information. Below are the steps through which you can follow to avoid such scams:
For your security your account is now blocked. Please contact customer services on 0330 100 4855 or customerservices@contiscanvas.com
Open Canvas application directly from your mobile device and verify