Question 1

How do I find my nearest compatible ATM?

Accepted Answer

The Centtrip prepaid card offers the highest cash withdrawal limits on the market, enabling you to withdraw up to £4000 per day from any major ATM.

To find your nearest chip-enabled ATM, we recommend using the Mastercard ATM Locator.

You can access this anytime via the Centtrip app - simply tap the app menu icon to open 'SETTINGS', select 'Atm Locator' and enter your location to search.

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Hints and tips

If given the option when withdrawing cash, always select ‘without conversion’ to avoid additional costs.
Where an ATM allows a choice, always withdraw cash in the local currency.
Don't yet have the app? Download now for your iOS or Android device, so that you can reveal your PIN, lock/unlock your card, view balances and transactions, upload receipts and more.
Access our Cardholder Guide for instructions on how to sign into and make the most of the app.

Question 2

Why could my foreign exchange (FX) rate change after booking a conversion?

Accepted Answer

All rates that are offered when you request a quote through your Centtrip account are real-time rates based on the live foreign exchange market.

This means that they are subject to change as the market moves and on occasion, the actual rate at which your currency is purchased may be slightly different to the rate that was shown at point of booking your conversion.

This change is reflective of the market at that time and can affect you either positively or negatively.

Question 3

How do I get the best rate when withdrawing from an ATM?

Accepted Answer

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You can use your Centtrip card to withdraw from any cash machine displaying the Mastercard Acceptance Mark above.

When taking out money, the ATM will usually give you a couple of withdrawal options to:

Process the transaction in local currency
Use the ATM’s conversation rate.

We highly recommend selecting option 1 to ensure you take out the currency held on the card and avoid any conversion fee being applied by the ATM operator.

If you select option 2 when you have the local currency on your Centtrip card, the ATM will identify it as a UK card and process the withdrawal in GBP. This means the local currency will be converted to GBP on your card and then back at the ATM’s rate, which tends to be very poor. You may also incur additional fees.

For more information about our ATM withdrawal fees, see what are your card fees?

If you require further assistance, contact us using the details at the bottom of this page.

Question 4

What can I do from my account dashboard?

Accepted Answer

Your Centtrip dashboard is the first page you will see after signing into your desktop account. Your dashboard provides a real-time overview of all of your account and card balances in each currency, plus any recent transactions.

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Balances - check the current balances of each currency held on your account and card(s), in real-time. Click any currency balance to view the transaction history.
Pending transactions - view details of any pending transactions, including date, currency, value and transaction type.
Live rates - get direct access to live currency market and quickly set up rate alerts and market orders.

Access all your main account features via the navigation bar:

Load Account - Before you can begin making the most of your account benefits, you need to ensure sufficient funds have been loaded.Learn more
Buy Currency - When you need to make a payment or load a card in a currency you don’t hold in your account, you can purchase the required currency at competitive rates within seconds.Learn more
Payments - Make fast, secure and cost-effective payments directly from your account. Pay individually or in batch and schedule payments effortlessly. Learn more
Load Cards - Transfer funds between your account and any associated cards in seconds. Cards can hold funds in up to 15 currencies and be used to make payments online or at point of sale, and to withdraw cash. Learn more
Recipients - View and add to your list of payees and suppliers, either individually or in batch, ready for future payments. Learn more
Transactions - See all your global card and account transactions in real time. Learn more
Reporting - Generate tailored reports and keep track of your card and account expenditure in real time. Learn more

Question 5

Can I access more than one account from the Centtrip app?

Accepted Answer

Follow these steps to access more than one account from the Centtrip app:

Log in to the app (version 1.10.0 or later).
Select Switch Account.
Select LINK ACCOUNT and follow the prompts.

Hints & Tips

Easily swap between accounts by selecting Switch Account from Centtrip app. The account you're currently logged into will show a filled circle icon.
When using multi-factor authentication to log in to your desktop account, be sure to select the correct account in the Centtrip app before using the code.

Question 6

What should I do if I have lost my device?

Accepted Answer

Your Centtrip app is secured with either a passcode or biometrics to prevent unauthorised access.

If you've enabled Multi-factor Authentication, you'll be unable to log in to your desktop account without an in-app security code. Please contact us using the details at the bottom of this page and we'll help you get access to your account.

Question 7

Are the fees for USD and EUR base-currency cards dynamic or fixed to the GBP rate?

Accepted Answer

All our fees are fixed. Fees and Limits Schedule for each Centtrip base-currency card are available here.

For more information about Centtrip card fees, see what are your card fees?.

Question 8

Is Centtrip Mastercard a debit or credit card?

Accepted Answer

The Centtrip multi-currency Mastercard is neither a credit, charge nor debit card.

Centtrip cards are prepaid, reloadable and issued by an Electronic Money Institution. Each time you use your Centtrip card, the purchase value is deducted from the funds available on the card.

Simply buy any of the 15 deposit currencies using your Centtrip account or on our app and transfer it to your card. You can then use your Centtrip multi-currency Mastercard in more than 210 countries and territories, online and in store.

Question 9

Can I change the base currency on my existing multi-currency card?

Accepted Answer

No, the base currency is determined when the card is created. However, you can request a new card by contacting us using the details at the bottom of this page.

Question 10

As a corporate client, can I have cards in different base currencies?

Accepted Answer

Yes. If you'd like to order cards with a different base currency, contact us using the details at the bottom of this page.

Non-GBP base-currency cards are available for corporate clients only.