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
Definitions
CardRefers to the DOSH Prepaid Mastercard® issued to You by allpay Limited.YouRefers to the named cardholder.Us, We, OurRefers to allpay Limited who issue your DOSH Prepaid Card.AccountRefers to the electronic account associated with your Card where the funds are stored.TermsRefers to these terms and conditions governing the use of the Card.TransactionRefers to any action involving the use of the Card to make a payment, withdraw cash, or perform other functions as permitted by these Terms.
Card Issuance and Activation
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.
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. These checks will not impact your credit record.
Managing your PIN
- Never share your PIN with anyone.
- Select a PIN that cannot be easily guessed.
- Memorise your PIN, do not write it down or keep it with your card.
- Do not use your PIN as a password elsewhere.
- Do not use the same PIN for all your cards.
- Be aware of others when entering your PIN at a point of sale or ATM.
Fees and Charges
As a DOSH account holder, you will be charged the following fees. All fees will be deducted from your balance.
| Function | Fee |
|---|---|
| First card delivery | £0.00 |
| Replacement card | £3.00* |
| Renewal card | £0.00 |
| UK Transactions (in person and online) | £0.00 |
| International transactions | £1.00 per transaction* |
| 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 | £1.00 per transaction* |
| Direct Debit payments out | £0.00 |
| Returned Direct Debits | £5.00 |
| Failed chargeback | £45.00* |
*Subject to conditions or discretion of allpay Limited.
Loading Funds
You can load funds via faster payments. Your account details are in the DOSH app. A single transaction cannot exceed £10,000, and your balance cannot exceed £10,000 at any one time.
Using the Card / Account
Availability
The Card can be used at Mastercard® retailers excluding limited acceptance merchants in the EU/EEA and countries with government-imposed sanctions.
Faster Payments
Minimum payment value is £1.00.
Direct Debits
Funds will be debited by 2pm on the due date. Ensure sufficient balance is available.
Restrictions
Usage limits apply per day, week, month, and year for different transaction types.
Balance and Transaction Information
Balance and history can be checked in the DOSH app or at supported ATMs.
Card Expiry and Renewal
- Valid for 3 years.
- Renewed 45 days prior to expiry unless notified.
- Remaining balance transfers automatically.
- Damaged card handling procedures apply.
Lost or Stolen Cards
Report via app immediately. You are not liable for unauthorised use before reporting, unless negligent.
Fraudulent Activity on Account
Report fraud within 13 months. Card may be blocked or account frozen as needed.
Dispute Resolution
- Block your card and contact support.
- Dispute form required with full details.
- Investigation can take up to 60 days.
- Provisional credit may be issued within 10 days.
- Documentation may be requested.
Authorised Push Payment (APP) Fraud
Report scams promptly (within 13 months). Claims may take up to 35 working days. £100 excess may apply for claims after 7 October 2024.
Confirmation of Payee (CoP)
CoP checks help avoid scams. Opt-out available only in exceptional cases.
Strong Customer Authentication (SCA)
SCA adds an extra layer of protection for online transactions, requiring in-app confirmation.
Privacy and Data Protection
- We collect personal details, ID, and usage data.
- Used for account management, fraud prevention, compliance, and communication.
- Appropriate measures are in place to protect your data.
- You have rights including access, correction, deletion, objection, restriction, and portability.
- Contact: dataprotection@allpay.net
Amendments to Terms and Conditions
We may amend these Terms with 30 days’ written notice. Continued use implies acceptance.
Termination and Cancellation
- We may terminate for non-compliance, fraud, inactivity, or business reasons.
- You can close your account any time once all debits have cleared and funds are transferred out.
How your money is protected
Funds are safeguarded in client money accounts. Not covered by FSCS but still protected in the event of insolvency.
Making a Complaint
Follow our complaints procedure available on our website.
Contact Details
Email: support@mydosh.com
The DOSH prepaid card is issued by allpay Ltd under licence by Mastercard International Incorporated. FCA regulated (FRN 900539). Company No 02933191.