Welcome to your DOSH™ Prepaid Card!

Thank you for choosing the DOSH Prepaid Mastercard®. This Card is powered and issued by allpay Limited.

Your Card must be used in accordance with the below Terms and Conditions that form part of this agreement. By activating and using the Card, you agree to be bound by these terms and conditions. Please read them carefully and retain a copy for your records.

Terms and Conditions

1. Definitions

For the purposes of these terms, the following definitions apply:

“Card” refers to the DOSH Prepaid Mastercard® issued to You by allpay Limited.
“You” refers to the named cardholder
“Us”, “We” or “Our” refers to allpay Limited who issue your DOSH Prepaid Card.
“Account” refers to the electronic account associated with your Card where the funds are stored.
“Terms” refers to these terms and conditions governing the use of the Card.
“Transaction” refers to any action involving the use of the Card to make a payment, withdraw cash, or perform other functions as permitted by these Terms.

2. Card Issuance and Activation

2.1 Activating your card

Once you’ve signed up to DOSH, You can start using your card details immediately for online purchases. Your physical card will arrive within 5 working days of sign up; once You receive your card, you’ll need to activate it within the app. You can then get your PIN via the app too.

2.2 Identity Verification Requirements

As per our regulatory obligations, You will be required to provide identification documents to verify your identity. We reserve the right to request updated documents or further information from You at any time during the relationship. Failure to provide this could result in closure of your account. Please note that this is not a credit check, however we will carry out checks to verify your identity and address. These searches will not impact upon your credit record.

2.3 Managing your PIN

Never share your PIN with anyone
Select a PIN that cannot be easily guessed. Do not use birth date or partial account numbers and try to avoid using sequential numbers like 1234, or repeated numbers like 1111.
Memorise your PIN, do not write it down on your card or keep it on a piece of paper with your card.
Do not use your PIN as a password for other bank services.
Do not use the same PIN for all of your cards.
Be aware of others nearby when entering your PIN at a point of sale or ATM

3. Fees and Charges

As a DOSH account holder, You will be charged the following fees. Please note that all fees will be charged to your account and automatically deducted from your balance. Where there are not enough funds in your account to cover your fees, your card may be taken in a negative balance, which you will be required to repay.

Function	Fee
First card delivery	£0.00
Replacement card	£3.00* *You may not be subject to this charge depending on the reason for replacement, this will be at the discretion of allpay Limited. We will advise you if you will be charged at the time of requesting a replacement.
Renewal card	£0.00
UK Transactions (in person and online)	£0.00
International transactions	3% of transaction value* *Note: Transactions will also be subject to Mastercard exchange rate at 2.25%. Exchange rates are subject to fluctuations.
Transfers into account	£0.00
Transfers out of account	£0.00
Cash deposits into account	£0.00
UK ATM withdrawals	£0.50 per withdrawal
International ATM withdrawals	£1 per transaction* *Note: transactions may also be subject to Mastercard exchange rate at 2.25%. Exchange rates are subject to fluctuations.
Direct Debit payments out	£0.00
Returned Direct Debits	£5.00 per returned Direct Debit
Failed chargeback	£45.00* *This charge is at the discretion of allpay Limited. You will be advised if your claim will be subject to this fee during the claim process.

4. Loading Funds

4.1 Loading funds onto your Card

You can load funds onto your DOSH card via faster payment from another bank account. Your DOSH account details are located in your DOSH app. You can provide your account number and sort code to your workplace of benefit provider and they will be able to send You your money using these details.

4.2 Restrictions

You can only load up to a maximum of £10,000 onto your card in a single transaction. Your account balance cannot exceed £10,000 at any one time.

5. Using the Card / Account

5.1 Availability

Your Card can be used at retailers displaying the Mastercard® acceptance mark, excluding limited acceptance Merchants in the EU/EEA that do not accept prepaid cards. You can use your card outside of the UK (subject to additional fees), excluding those countries which have been blocked due to Government imposed sanctions or at the discretion of allpay Limited. Your card can be used for point of sale (POS) purchases, e-commerce purchases (online) and ATM withdrawals. You will not be permitted to use your card at Quasi cash or Money Transfer merchants, this includes purchasing things such as cryptocurrency. You can use Your card to make contactless transactions up to the value of £100, however some merchants may set their own contactless limit which could be lower than this. If You do not wish to have contactless functionality available on Your card, please contact DOSH customer support. You will be asked to enter your PIN periodically for security reasons.

5.2 Faster Payments

Your account can be used to make person to person and person to business transfers using the online banking functionality. Note: A minimum value of £1.00 applies per faster payment. I.e. You cannot make a faster payment for under £1.00.

5.3 Direct Debits

You are also able to set up Direct Debits from your account using the account details on your card or in the app. Funds will be debited from your card by 2pm on the date that the Direct Debit is due. You must ensure that You have sufficient funds available on the card to pay a Direct Debit that is due. Please refer to section 3 of these Terms and Conditions for applicable fees.

5.4 Restrictions

You will be subject to the following restrictions when making/receiving payments, or using your card.

Transaction Type	Max Single Transaction Value	Daily Value	Daily Volume	Weekly Value	Weekly Volume	Monthly Value	Monthly Volume	Yearly Value	Yearly Volume
Payment in	N/A	£10,000	20	N/A	N/A	£20,000	100	£100,000	1200
Payment out	£2,500	£2,500	20	N/A	N/A	£5,000	100	£30,000	300
ATM withdrawals	£250	£250	10	N/A	N/A	£2,500	50	N/A	N/A
POS/Online purchases	£5,000	£10,000	30	£10,000	70	N/A	N/A	N/A	N/A

6. Balance and Transaction Information

6.1 Checking card balance

You can check your card balance in the DOSH app or at any ATM where this service is available.

6.2 Viewing transaction history

You can view your transaction history within the DOSH app. Be sure to check your transaction history regularly for any unauthorised activity.

6.3 Negative Balances and Overdrafts

Your DOSH account is a prepaid account and does not have an overdraft facility. If for any reason a transaction goes through which exceeds Your available balance, it may take You into a negative balance, and You will be required to top up your account. We will contact You if the account is not topped up in a timely manner.

7. Card Expiry and Renewal

7.1 Card validity

Your Card is valid for 3 years from the date of issue.

7.2 Card renewal

Unless You tell Us otherwise, your card will be automatically renewed 45 days prior to the expiry date shown on your Card. The long card number will be different, but your PIN will stay the same.

7.3 Remaining balance on an expired card

When your card is renewed, your remaining balance on your previous card will automatically be available on your new card. If You do not wish for your card to be renewed, any remaining balance will remain on your account, and You can request a refund by contacting our Client Services Team.

7.4 Damaged cards

If your card is damaged, You can request a new one via the DOSH app. Please refer to section 3 of these Terms and Conditions for applicable fees.

8. Lost or Stolen Cards

8.1 Reporting your card as lost/stolen

In the event that your card is lost or stolen, You must report this immediately to Us to block any unauthorised usage. You should freeze your card within the DOSH app as soon as You become aware your card is lost or stolen.

8.2 Liability

You will not be held liable for any unauthorised transactions made using your card before becoming aware and reporting your card as lost or stolen, providing that You have reported the fraud promptly and have not acted fraudulently or with gross negligence.

9. Fraudulent Activity on Account

9.1 Reporting fraud

Where You suspect or identify fraudulent activity on your card or account, You must report this to Us without undue delay, and in any event, within 13 months of the fraudulent activity taking place.

9.2 Blocking your card

Once reported, your card will be blocked and replaced, and your account will be temporarily frozen where this is required.

10. Dispute Resolution

10.1 Raising a dispute

If You believe that there is an error, You have been mischarged or there has been unauthorised activity on your account, You should notify Us as soon as possible. To dispute a transaction, You must follow the steps outlined below:

Where your card has been subject to fraudulent activity, block and replace your card within your app. If You don’t have access to the app, contact Us at support@mydosh.com or on 0333 188 9932 and we will do this for You. Once your card has been blocked, We will send You a dispute form to complete. Please provide as much information as possible, including a crime reference number (if applicable) and full details of all transactions to be disputed. When We receive your dispute form, We will investigate and where eligible, provide You with a reimbursement as per the timeframes set out in section 10.2 of these terms.

10.2 Timeframes

Initial Notification – You must notify Us immediately upon noticing a transaction You do not recognise or need to dispute. If You are disputing a transaction due to fraudulent activity, You may only dispute transactions that have happened within the previous 13 months.
Investigation period – Once We have received your dispute, We will investigate promptly. Disputes can take up to 60 days to investigate.
Provisional crediting of account – Should We not have completed our investigation within 10 days of the dispute being raised, we will issue You with a provisional credit of the disputed transactions to your DOSH account.
Final resolution – Once our investigation is complete, We will notify You of the outcome. If the dispute is resolved in your favour, the provisional credit will become permanent. If the dispute is not resolved in your favour, the provisional credit will be reversed, and You will be responsible for the disputed amount.

10.3 Required documentation

To support your dispute, You may be required to provide additional documentation. This may include (but is not limited to): copies of receipts, any correspondence with relevant parties, crime reference number.

11. Authorised Push Payment (APP) Fraud

11.1 What is APP fraud?

APP fraud is where You are tricked into sending money to a fraudster via bank transfer or other online payment methods. You might believe that You are paying for legitimate goods or services, but you’re actually being deceived by a scammer.

11.2 Getting your money back if you have been scammed

If You have been a victim of authorised push payment (APP) fraud, You may be entitled to receive your money back.

Claiming your money back – if You think You have been scammed, You need to let Us know as soon as possible and in any event, within 13 months of making the payment. You can contact Us at support@mydosh.com or 0333 188 9932. Please make sure You provide Us with as much information as possible to help Us investigate your claim and give Us the best chance of getting your money back to You.
How long will it take? If your claim is valid, we’ll aim to refund You within 5 working days. However, if We need to get extra information from You, it might take up to 35 working days for your funds to be reimbursed.

11.3 Fees

Please note that We may apply a £100 excess to any claim, and You may not always be eligible for reimbursement.

12. Confirmation of Payee (CoP)

12.1 What is CoP?

CoP is an extra security check to help protect account holders across the UK from scams. A CoP check confirms that a bank account belongs to the person that is being paid. Other Payment Service Providers will also apply CoP to payments to check that your name matches the name a payer has inputted when they are trying to pay You.

12.2 Opting out of CoP

All cardholders have been automatically opted into CoP, a service that checks the name on the account being paid. It’s designed to help protect against fraud, and misdirection of payments. We agree to opt-out requests in exceptional circumstances. If opted out of CoP, your account won’t be checked when another person or business tries to make a payment to be received by You. Opted out accounts can still use CoP when sending a payment to another account.

13. Strong Customer Authentication (SCA)

Strong Customer Authentication (SCA) is designed to strengthen security when You are using your card. It is an additional layer of security that will be needed when You make online purchases using your card; where the merchant requests it, You will need to login into your DOSH app and approve the transaction. This will ensure that your online purchases are verified and helps to protect You from the risk of online fraud.

14. Privacy and Data Protection

14.1 Collection of Your personal information

We are required to collect personal information from You in order to provide You with your Card and provide the service as agreed within these Terms. This information includes the following:

Personal Details: Your full registered name, residential address, date of birth and contact information.
Personal Identification documents: Copies of your ID as per clause 2.2 of these terms.
Transaction data: Details of transactions made using the Card and Account, including the date, amount and merchant.
Usage data: Information about how You use the Card and our services.

14.2 Use of Your personal information

We use your personal information for the following purposes:

Account Management: To manage your Card account and provide You with our services.
Transaction Processing: To process transactions and provide You with transaction history and statements.
Fraud Prevention: To detect and prevent fraud, unauthorized transactions, and other illegal activities.
Compliance: To comply with legal and regulatory requirements, including anti-money laundering and counter-terrorism financing laws.
Communication: To communicate with You about your account, transactions, and any updates to our services or terms.

14.3 Protection of Your personal information

We take the security of your personal information seriously and implement appropriate measures to ensure it is protected from unauthorised access, loss or misuse.

14.4 Your Data Rights

You have the following rights regarding your personal information:

Access: You have the right to request access to the personal information we hold about you.
Correction: You have the right to request correction of any inaccurate or incomplete personal information.
Deletion: You have the right to request deletion of your personal information, subject to certain legal and regulatory requirements.
Objection: You have the right to object to the processing of your personal information for certain purposes, such as direct marketing.
Restriction: You have the right to request restriction of the processing of your personal information in certain circumstances.
Portability: You have the right to request a copy of your personal information in a structured, commonly used, and machine-readable format.

14.5 Third Party Educational Content Disclaimer

The financial education lessons available in this app are provided by an independent third-party company, DOSHI, and are not created or endorsed by DOSH. Some educational materials may refer to financial services such as bank transfers, credit scores, or other products that are not offered as part of our prepaid e-money product. These references are for general educational purposes only and do not reflect the features, capabilities, or services of our product. If you have any questions about what is or isn’t included with your prepaid account, please refer to our official product information within the app or contact our customer support team.

To exercise any of these rights, please contact our Data Protection Team at dataprotection@allpay.net.

Please see our Privacy Statement for more information. https://www.mydosh.com/dosh-privacy-policy/

15. Amendments to Terms and Conditions

15.1 How and when these Terms and Conditions can be changed

We reserve the right to amend these Terms at any time. Amendments may be made to reflect changes in:

Legal and Regulatory Requirements: To comply with new laws or regulations.
Product Features: To introduce new features or modify existing ones.
Business Practices: To reflect changes in our business operations or practices.
Security Measures: To enhance the security of your Card and account.

15.2 Notification

Where these Terms and Conditions are subject to change, We will notify You in writing 30 days in advance of the change. If we do not hear from You within those 30 days, We will deem this acceptance of any changes highlighted. You will be contacted by email to be made aware of any changes.

15.3 Acceptance of Amendments

By continuing to use the Card after the effective date of any amendments, You agree to be bound by the revised Terms. If You do not agree to the amended Terms, You must stop using the Card and notify us to terminate your account, or request account closure via the DOSH app.

16. Termination and Cancellation

16.1 Conditions for termination or cancellation

We reserve the right to terminate or close your account under the following conditions:

Non-Compliance: If You violate any of these Terms or any applicable laws and regulations.
Fraud or Misuse: If we suspect fraud, unauthorised use, or any other illegal activities involving your Card.
Inactive Account: If your Card remains inactive for a prolonged period, as specified in our inactivity policy.
Negative Balance: If your card remains in a negative balance for a prolonged period time with no attempt to top the account up.
Business Reasons: If we decide to discontinue the Card program or for any other business-related reasons.

This list is not exhaustive. We reserve the right to suspend or close your account at our sole discretion, where we consider it necessary or appropriate to do so. In certain circumstances, we may not be able to provide you with advance notice or disclose the specific reasons for our decision.

16.2 Cancelling your account

You can close your account with Us at any time if no longer wish to have a DOSH Prepaid account. To do so, please follow the below steps:

Go to your profile in the app
Select ‘Close account’
Make sure your account balance is £0.00
Confirm account closure

Please note that cancellation of your account will cancel any Direct Debits You have set up. All pending debits must have cleared before your Card and Account can be closed.

You will need to transfer any remaining funds in your DOSH account to another account before You can close it.

17. How your money is protected

DOSH is a trading name of allpay Ltd. allpay Ltd is an authorised e-money issuer in the UK, meaning We are required to safeguard your money that is in your account.

Safeguarding means that your money is protected by being kept in a client money account held with an authorised institution. In the unlikely event that allpay becomes insolvent, your money will be protected and returned to You.

Your money is not covered by the Financial Services Compensation Scheme (FSCS), it is safeguarded.

18. Making a Complaint

If You are unhappy with any of the services provided by Us, You can raise a complaint by following our complaints procedure available on the DOSH website.

19. Contact Details

If You need assistance with your card or have any questions, please contact Us using the email address below and your query will be pointed in the right direction.

Email – support@mydosh.com

Phone – 0333 188 9932

The DOSH prepaid card is issued by allpay Ltd pursuant to license by Mastercard International Incorporated. DOSH is a trading name of allpay Ltd who are authorised and regulated by the Financial Conduct Authority (FRN 900539) for the issuance of electronic money. Head office and registered address: Fortis et Fides, Whitestone Business Park, Whitestone Hereford, Herefordshire, HR1 3SE (Company No 02933191). Mastercard® is a registered trademark of Mastercard International Incorporated.