SMS Service

Manage your account on the move

There are a number of ways in which you can manage your finances, we've made it easier by offering our SMS Service.

You can manage your account by:

  • Checking your balance
  • Transferring funds to your cardonemoney Prepaid Debit MasterCard® Card

You will also receive text alerts when:

  • you've been approved for an account, we'll send your sort code and account number
  • deposited funds are cleared into your billing account
  • Direct debit or standing orders have been successfully paid
  • you have insufficient funds to pay a direct debit or standing order
  • your cardonemoney Debit MasterCard has been ordered and activated
  • any of your standing orders have been changed

Check your balance on your mobile

Checking your account and card balance couldn't be simpler. Instead of phoning our call centre you can now check your balance on your mobile phone.

Send BALANCE to 60777 from your mobile

Loading funds onto your cardonemoney Debit MasterCard

If you're out shopping and you want to make a purchase using your cardonemoney Debit MasterCard but you've forgotten to load funds onto your card, you can now load funds using your mobile. It's as easy as texting your friends.

Send LOAD + Amount to 60777 from your mobile
(e.g. "LOAD 50" will load £50 to your card)

You'll immediately receive a response confirming that we've received your request and then within an hour your funds will be transferred and available to spend. We'll text you when the money is available on your card. In order to use the text service, you must have registered your mobile number with us. If you have not already done so, please call customer services on 0871 811 1881. Calls cost 11p per minute, plus your phone company's access charge.

If you prefer to manage your money online, you are still able to use our online account service.

There is a charge of 15p per balance request charged to your billing account. It is FREE to load your card, but you may be charged to send to 60777 at your usual network rate.

There are some limits that must be remembered when using the LOAD service. Your cardonemoney Debit MasterCard can be topped up three times per day.

Each top up cannot exceed £1250. There is a daily limit of £2500 that can be loaded to your cardonemoney Debit MasterCard.

The CardOneMoney current account is not covered by the Financial Services Compensation Scheme. Please see our FAQs for more information.

*Subject to identification, residency - see terms and conditions. Cardholder must be at least 18 years of age.

CardOneMoney is a trading style of Spectrum Payment Services Limited, a company registered in England & Wales (No. 06268340) with registered Office at 3rd Floor, Vintners' Place, 68 Upper Thames St, London, EC4V 3BJ. Spectrum Payment Services Limited is authorised and regulated by the Financial Conduct Authority as a credit broker (FCA No. 839341) and to provide payment services (FCA No. 504547). We are not a lender.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Card is issued by Fair Payments Limited pursuant to license by Mastercard International Inc. Fair Payments Limited is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900493) © 2020 All rights reserved.