| Feature |Details | |-|-| | Standard card balance | £100,000* | | Transfer | up to £10,000 daily to one or multiple cards instantly* | | Purchases using Centtrip multi-currency Mastercard | FREE | | Withdraw | up to £750 daily from 2.1 million ATMs displaying the Mastercard Acceptance Mark worldwide | | ATM withdrawals | 1% of the value of the transaction, or a minimum fee of £1.60 | | FX on transactions in out-of-card currency | 2%** | | PIN reveal online | FREE | | PIN change via bank ATM | £0.50 | | Card lock/unlock online/app | FREE | | View balances online/app | FREE | | Merchant dispute admin for chargebacks | £20.00 | | Annual inactivity fee | £10.00 | | Annual card fee | £10.00 | | Replacement card | £10.00 | &ast; Higher card balances and transfer limits are available subject to status. &ast;&ast; These are transactions in any currency that is outside of the available currency balance held on the card at the time of purchase.

You can use your Centtrip multi-currency Mastercard to make purchases online, over the phone and in store in more than 210 countries and territories. You can also withdraw cash at over 2.1 million ATMs displaying the Mastercard Acceptance Mark. [Find your nearest Mastercard ATM.](https://www.mastercard.us/en-us/consumers/get-support/locate-an-atm.html)

You can use your Centtrip multi-currency Mastercard to make purchases online, over the phone and in store in more than 210 countries and territories. You can also withdraw cash at over 2.1 million ATMs displaying the Mastercard Acceptance Mark. [Find your nearest Mastercard ATM.](https://www.mastercard.us/en-us/consumers/get-support/locate-an-atm.html)

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

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

No, the base currency is determined by the BIN range. However, you can request a new card by contacting our Client Support on +44 (0)20 3735 1735 or emailing [help@centtrip.com](mailto:help@centtrip.com)

No, the base currency is determined by the BIN range. However, you can request a new card by contacting our Client Support on +44 (0)20 3735 1735 or emailing [help@centtrip.com](mailto:help@centtrip.com)

Make secure and cost effective payments within seconds and without limits. We tailor our services to your unique needs, whether that’s individual, ad hoc payments or regular, batch payments to suppliers or employees; domestically or internationally. Choose the payment currency and enter the amount you need to pay. Use the dropdown to specify whether to pay using funds held on your Centtrip account or card. If you have multiple cards you’ll be able to choose one. By default, payment will be sent to a recipient’s bank account. If you manage multiple Centtrip accounts, you can also use this dropdown to make a payment to one of these. Select the payment recipient from the dropdown – this will automatically populate the email address field for you. Choose a payment reason and add a reference of your choice. These fields are required. Click confirm to make your payment **Hints and tips** * **Add new recipients:** When you pay a particular recipient for the first time, they won’t appear in your ‘Select recipient...’ dropdown until you set them up. Visit the Recipients section of this guide for a quick walk-through, as well as hints and tips on how to add payees. * Enjoy better cost efficiencies by using currencies held on your account or card to make same currency payments to your oversees suppliers. * **Make payments in batch:** Click CREATE BATCH at the top of the page to save time by making multiple payments in one or more currencies, in one go. Send immediately or schedule for a later date for complete, effortless control.

Make secure and cost effective payments within seconds and without limits. We tailor our services to your unique needs, whether that’s individual, ad hoc payments or regular, batch payments to suppliers or employees; domestically or internationally. Choose the payment currency and enter the amount you need to pay. Use the dropdown to specify whether to pay using funds held on your Centtrip account or card. If you have multiple cards you’ll be able to choose one. By default, payment will be sent to a recipient’s bank account. If you manage multiple Centtrip accounts, you can also use this dropdown to make a payment to one of these. Select the payment recipient from the dropdown – this will automatically populate the email address field for you. Choose a payment reason and add a reference of your choice. These fields are required. Click confirm to make your payment **Hints and tips** * **Add new recipients:** When you pay a particular recipient for the first time, they won’t appear in your ‘Select recipient...’ dropdown until you set them up. Visit the Recipients section of this guide for a quick walk-through, as well as hints and tips on how to add payees. * Enjoy better cost efficiencies by using currencies held on your account or card to make same currency payments to your oversees suppliers. * **Make payments in batch:** Click CREATE BATCH at the top of the page to save time by making multiple payments in one or more currencies, in one go. Send immediately or schedule for a later date for complete, effortless control.

**Corporate Clients** We tailor all our fees according to your specific requirements, as well as products, services and transactions you use. As part of it, there is a £10 fee for each new or replacement card. **Private Clients** There is no charge for a new card. However, if you require a replacement card, there is a £10 fee.

**Corporate Clients** We tailor all our fees according to your specific requirements, as well as products, services and transactions you use. As part of it, there is a £10 fee for each new or replacement card. **Private Clients** There is no charge for a new card. However, if you require a replacement card, there is a £10 fee.

**Corporate Admin:** If you wish to order new cards for your employees or if you require replacement cards, please call our Client Support team on +44 (0)20 3735 1735 or email [help@centtrip.com](mailto:help@centtrip.com) **Corporate Cardholder:** Please contact your Administrator to request a replacement card or order additional cards for your colleagues. **Private Clients:** As a private account holder, you can only have one card. If you require a replacement card, call us on +44 (0)20 3735 1735 or email [help@centtrip.com](mailto:help@centtrip.com). *There is a fee of £10 to replace a lost or stolen card.

**Corporate Admin:** If you wish to order new cards for your employees or if you require replacement cards, please call our Client Support team on +44 (0)20 3735 1735 or email [help@centtrip.com](mailto:help@centtrip.com) **Corporate Cardholder:** Please contact your Administrator to request a replacement card or order additional cards for your colleagues. **Private Clients:** As a private account holder, you can only have one card. If you require a replacement card, call us on +44 (0)20 3735 1735 or email [help@centtrip.com](mailto:help@centtrip.com). *There is a fee of £10 to replace a lost or stolen card.

To enable Multi-factor Authentication in the Centtrip app, follow these steps: 1. Download the Centtrip mobile app & log in using your credentials. If you have not yet created these, tap FIRST TIME LOGIN and follow the on-screen instructions. 2. Once complete, tap EMAIL and check your inbox for an eight-digit verification code. 3. Input the email code into the app in lowercase when prompted and press NEXT. 4. Create a memorable 4-6 digit app passcode and re-enter it to confirm. If prompted, choose whether to enable face or fingerprint ID for app sign in. 5. You should now see a screen confirming that you are signed in. Tap MULTI-FACTOR AUTHENTICATION. 6. Select LINK DEVICE to complete your MFA set up. **Hints & tips** * Signing into the app for the first time - if you do not yet have an account username and password, click FIRST TIME LOGIN and submit the required information to continue. Be sure to enter the phone number which is registered to the card. * Email verification code not received? Contact the Centtrip [help team](https://www.centtrip.com/contact) for assistance. * 'Transfer to another device’– if this message is displayed after tapping MULTI-FACTOR AUTHENTICATION, it may mean your account is linked to another device. Our [help team](https://www.centtrip.com/contact) can resolve this for you. * 'Check your time settings’ – this message indicates that the time on your device may be slightly out of sync, which can cause an issue for the time-sensitive verification codes. Please visit your device settings to ensure the time is correct. For further tips, step-by-step images and information on what we use multi-factor authentication for at Centtrip, see our [Multi-factor Authentication User Guide](https://live.centtrip.com/app_enabled_mfa)

To enable Multi-factor Authentication in the Centtrip app, follow these steps: 1. Download the Centtrip mobile app & log in using your credentials. If you have not yet created these, tap FIRST TIME LOGIN and follow the on-screen instructions. 2. Once complete, tap EMAIL and check your inbox for an eight-digit verification code. 3. Input the email code into the app in lowercase when prompted and press NEXT. 4. Create a memorable 4-6 digit app passcode and re-enter it to confirm. If prompted, choose whether to enable face or fingerprint ID for app sign in. 5. You should now see a screen confirming that you are signed in. Tap MULTI-FACTOR AUTHENTICATION. 6. Select LINK DEVICE to complete your MFA set up. **Hints & tips** * Signing into the app for the first time - if you do not yet have an account username and password, click FIRST TIME LOGIN and submit the required information to continue. Be sure to enter the phone number which is registered to the card. * Email verification code not received? Contact the Centtrip [help team](https://www.centtrip.com/contact) for assistance. * 'Transfer to another device’– if this message is displayed after tapping MULTI-FACTOR AUTHENTICATION, it may mean your account is linked to another device. Our [help team](https://www.centtrip.com/contact) can resolve this for you. * 'Check your time settings’ – this message indicates that the time on your device may be slightly out of sync, which can cause an issue for the time-sensitive verification codes. Please visit your device settings to ensure the time is correct. For further tips, step-by-step images and information on what we use multi-factor authentication for at Centtrip, see our [Multi-factor Authentication User Guide](https://live.centtrip.com/app_enabled_mfa)

To start enjoying all your account benefits, you need to ensure you have sufficient funds. You can check your current balances from your account homepage and transfer funds to your Centtrip account using the bank details provided on the Load Account page. 1. From the Load Account page, use the dropdown menu to select the currency you want to load into your Centtrip account 2. Note down the account details and payment reference starting with CENT 3. Log into the corporate bank account you would like to send funds from and make a transfer into your Centtrip account using the details you noted above **Hints and tips** * **Important**: ensure you add the payment reference provided on the Centrrip Load Account page starting with ‘CENT’ when transferring funds - this is essential to avoid any delays. * The bank account which you transfer funds from must be under the same name as your Centtrip account. Contact the team if you need help with this. * To load funds in a currency which is different to the one you hold in your bank account, it’s typically much more cost effective to first load funds into your Centtrip account in the same currency, and then visit the Buy Currency page to purchase your preferred currency.

To start enjoying all your account benefits, you need to ensure you have sufficient funds. You can check your current balances from your account homepage and transfer funds to your Centtrip account using the bank details provided on the Load Account page. 1. From the Load Account page, use the dropdown menu to select the currency you want to load into your Centtrip account 2. Note down the account details and payment reference starting with CENT 3. Log into the corporate bank account you would like to send funds from and make a transfer into your Centtrip account using the details you noted above **Hints and tips** * **Important**: ensure you add the payment reference provided on the Centrrip Load Account page starting with ‘CENT’ when transferring funds - this is essential to avoid any delays. * The bank account which you transfer funds from must be under the same name as your Centtrip account. Contact the team if you need help with this. * To load funds in a currency which is different to the one you hold in your bank account, it’s typically much more cost effective to first load funds into your Centtrip account in the same currency, and then visit the Buy Currency page to purchase your preferred currency.

**On your old device:** 1. Log in to the Centtrip mobile app 2. Select Two-factor Authentication to view your security code **On your new device:** 1. Log in to the Centtrip mobile app 2. Select Two-factor Authentication 3. Select Transfer to new device 4. Enter the security code from your old device

**On your old device:** 1. Log in to the Centtrip mobile app 2. Select Two-factor Authentication to view your security code **On your new device:** 1. Log in to the Centtrip mobile app 2. Select Two-factor Authentication 3. Select Transfer to new device 4. Enter the security code from your old device

Now that you have your shiny new Centtrip card, sign it on the reverse and follow the instructions below to activate it. **All Corporate Cards and Replacement Private Cards** 1. Activate your card and reveal your pin: Use the mobile number you registered to text the word ‘PIN’ followed by the last eight digits of your long card number to +44 (0)7860 024 357. You will receive an SMS confirming your PIN and your card has been activated. Delete the text once you know the PIN. You can view it online or on our app at any time. 2. Use CHIP and PIN: For security reasons, you will need to make a chip-and-PIN payment when using your card for the first time. This will activate the contactless feature on your card automatically. Don't forget to [load your card](https://support.centtrip.com/faqs/how-do-i-load-my-cards) first! 3. Corporate card holders - if this is your first Centtrip card, create your online login: Go to account.centtrip.com/membership/login or download the Centtrip app from the [App Store](https://apps.apple.com/gb/app/centtrip/id1151916421) or [Google Play](https://play.google.com/store/apps/details?id=com.centtrip.app) and select ‘FIRST TIME LOG IN’. Then follow the steps on your screen. Make sure you use the email address and mobile number you signed up with. If unsure, ask your account administrator to confirm those. **New Private Cards** The activation process is different if you've just received your first Centtrip card for a new private account. 1. Activate your card: Log in to the Centtrip app. Select ‘Load Card’ on your dashboard and follow the instructions on your screen. 2. Reveal your PIN: In the Centtrip app click on the person icon in the top right corner and select ‘Pin’. You can view it at any time. 3. Use CHIP and PIN: For security reasons, you will need to make a chip-and-PIN payment when using your card for the first time. This will activate the contactless feature on your card. Don't forget to [load your card](https://support.centtrip.com/faqs/how-do-i-load-my-cards) first!

Now that you have your shiny new Centtrip card, sign it on the reverse and follow the instructions below to activate it. **All Corporate Cards and Replacement Private Cards** 1. Activate your card and reveal your pin: Use the mobile number you registered to text the word ‘PIN’ followed by the last eight digits of your long card number to +44 (0)7860 024 357. You will receive an SMS confirming your PIN and your card has been activated. Delete the text once you know the PIN. You can view it online or on our app at any time. 2. Use CHIP and PIN: For security reasons, you will need to make a chip-and-PIN payment when using your card for the first time. This will activate the contactless feature on your card automatically. Don't forget to [load your card](https://support.centtrip.com/faqs/how-do-i-load-my-cards) first! 3. Corporate card holders - if this is your first Centtrip card, create your online login: Go to account.centtrip.com/membership/login or download the Centtrip app from the [App Store](https://apps.apple.com/gb/app/centtrip/id1151916421) or [Google Play](https://play.google.com/store/apps/details?id=com.centtrip.app) and select ‘FIRST TIME LOG IN’. Then follow the steps on your screen. Make sure you use the email address and mobile number you signed up with. If unsure, ask your account administrator to confirm those. **New Private Cards** The activation process is different if you've just received your first Centtrip card for a new private account. 1. Activate your card: Log in to the Centtrip app. Select ‘Load Card’ on your dashboard and follow the instructions on your screen. 2. Reveal your PIN: In the Centtrip app click on the person icon in the top right corner and select ‘Pin’. You can view it at any time. 3. Use CHIP and PIN: For security reasons, you will need to make a chip-and-PIN payment when using your card for the first time. This will activate the contactless feature on your card. Don't forget to [load your card](https://support.centtrip.com/faqs/how-do-i-load-my-cards) first!

Manage your business expenditure and save valuable time with our suite of reporting templates. From the **Reporting** page you can create and tailor much more comprehensive reports that meet your exact requirements for analysis and reconciliation, showing real time or historic transactions. ![Reporting.png](https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/JMe6x0wKBX/Reporting.png) 1. If you have multiple groups or accounts, you can choose which you would like to include in your report. 2. Select a custom date range. 3. View account expenditure across the globe, or focus on a particular currency. 4. Choose from our selection of ready-made report templates. **Hints & Tips** * Select a base currency for your report. Using the dropdown menu to select a base currency will convert your global transactions, payments and spending into your preferred currency, for simpler reconciliation and control. * Include currencies with zero balance and no movement. Tick the checkbox to view all accounts and/or cards in your report, regardless of whether there has been any activity. * Generate an exchange rate report. Get a snapshot view of current exchange rates across all your available currencies. Click EXCHANGE RATE REPORT from the reporting page and select your base currency (the one you would be converting from). Click GENERATE REPORT to download the exchange rate report.

Manage your business expenditure and save valuable time with our suite of reporting templates. From the **Reporting** page you can create and tailor much more comprehensive reports that meet your exact requirements for analysis and reconciliation, showing real time or historic transactions. ![Reporting.png](https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/JMe6x0wKBX/Reporting.png) 1. If you have multiple groups or accounts, you can choose which you would like to include in your report. 2. Select a custom date range. 3. View account expenditure across the globe, or focus on a particular currency. 4. Choose from our selection of ready-made report templates. **Hints & Tips** * Select a base currency for your report. Using the dropdown menu to select a base currency will convert your global transactions, payments and spending into your preferred currency, for simpler reconciliation and control. * Include currencies with zero balance and no movement. Tick the checkbox to view all accounts and/or cards in your report, regardless of whether there has been any activity. * Generate an exchange rate report. Get a snapshot view of current exchange rates across all your available currencies. Click EXCHANGE RATE REPORT from the reporting page and select your base currency (the one you would be converting from). Click GENERATE REPORT to download the exchange rate report.

![Recipient 3.png](https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/7McKlXhHMN/Recipient%203.png) 1. Click ADD RECIPIENT and enter the account and payment details of your new payee into the form. 2. Authenticate using the app: * Ensure you have downloaded the Centtrip app and enabled Multi-factor Authentication (see [How do I enable Multi-factor Authentication?](https://support.centtrip.com/faqs/how-do-i-enable-two-factor-authentication)). * Open the Centtrip app and tap MULTI-FACTOR AUTHENTICATION. * Select ‘Sign’ and input the last 4 digits of the recipient’s account number or IBAN. * Tap GET SIGN CODE. 3. On your desktop, input the code from the app into the App Generated Code box and click to submit. **Hints & tips** * Anyone with approval rights will be notified of your request by email. If approval is not required your new payee will be set up immediately. * Unable to authenticate using the app? Change the ‘One Time Authenticator’ dropdown to ‘One Time Email’ and follow the on-screen instructions. * Please ensure you enter a nickname when completing the new recipient form. This field is required and makes it easier for you to find and manage your payees. * Click the star icon to favourite recipients you need to pay regularly. * Save time by uploading multiple payees in batch. Click UPLOAD RECIPIENTS at the top of the Recipients page and follow the on-screen instructions.

![Recipient 3.png](https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/SP7vclLu5H/resources/7McKlXhHMN/Recipient%203.png) 1. Click ADD RECIPIENT and enter the account and payment details of your new payee into the form. 2. Authenticate using the app: * Ensure you have downloaded the Centtrip app and enabled Multi-factor Authentication (see [How do I enable Multi-factor Authentication?](https://support.centtrip.com/faqs/how-do-i-enable-two-factor-authentication)). * Open the Centtrip app and tap MULTI-FACTOR AUTHENTICATION. * Select ‘Sign’ and input the last 4 digits of the recipient’s account number or IBAN. * Tap GET SIGN CODE. 3. On your desktop, input the code from the app into the App Generated Code box and click to submit. **Hints & tips** * Anyone with approval rights will be notified of your request by email. If approval is not required your new payee will be set up immediately. * Unable to authenticate using the app? Change the ‘One Time Authenticator’ dropdown to ‘One Time Email’ and follow the on-screen instructions. * Please ensure you enter a nickname when completing the new recipient form. This field is required and makes it easier for you to find and manage your payees. * Click the star icon to favourite recipients you need to pay regularly. * Save time by uploading multiple payees in batch. Click UPLOAD RECIPIENTS at the top of the Recipients page and follow the on-screen instructions.

Get direct access to the live currency market via your desktop account and the app. Purchase currency to send to your account or card at transparent, competitive rates. 1. Select the currency you would like to convert from and the currency you would like to purchase. 2. Enter either the amount you’d like to convert from or the amount you’d like to convert to. 3. Select where funds should be taken from. You can use funds already held in your Centtrip account or make a transfer from another bank account. 4. Choose where to send purchased currency; back into your Centtrip account or a card of your choice. 5. Click GET RATE to view the live exchange rate and click CONFIRM to complete your purchase. **Hints and tips** * If you are buying currency and want to pay from your bank account (‘Bank To’ transaction), you will need to transfer the balance within 24 hours and will receive your purchased currency as soon as this has been settled * Purchase currency when it’s right for you - visit the homepage and select LIVE RATES to set up rate alerts. * Centtrip enables you to purchase all major currencies, so if you’d like to buy a currency not shown in your account, get in touch with the Centtrip team. * Mitigate the risk of foreign exchange fluctuations by purchasing currency at a locked rate, for settlement on a future date. Contact the support team to speak to our dedicated experts.

Get direct access to the live currency market via your desktop account and the app. Purchase currency to send to your account or card at transparent, competitive rates. 1. Select the currency you would like to convert from and the currency you would like to purchase. 2. Enter either the amount you’d like to convert from or the amount you’d like to convert to. 3. Select where funds should be taken from. You can use funds already held in your Centtrip account or make a transfer from another bank account. 4. Choose where to send purchased currency; back into your Centtrip account or a card of your choice. 5. Click GET RATE to view the live exchange rate and click CONFIRM to complete your purchase. **Hints and tips** * If you are buying currency and want to pay from your bank account (‘Bank To’ transaction), you will need to transfer the balance within 24 hours and will receive your purchased currency as soon as this has been settled * Purchase currency when it’s right for you - visit the homepage and select LIVE RATES to set up rate alerts. * Centtrip enables you to purchase all major currencies, so if you’d like to buy a currency not shown in your account, get in touch with the Centtrip team. * Mitigate the risk of foreign exchange fluctuations by purchasing currency at a locked rate, for settlement on a future date. Contact the support team to speak to our dedicated experts.

Account Management

What are your card fees?

View our card fees for corporate and private customers here

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What can I use my Centtrip multi-currency Mastercard for?

You can use your Centtrip multi-currency Mastercard to make purchases online, over the phone and in store in more than 210 countries and territories.

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Will I earn interest on my Centtrip account or card balance?

You will not earn any interest on either your Centtrip account or card.

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Is Centtrip Mastercard a debit or credit card?

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

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

No, the base currency is determined by the BIN range.

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How do I make payments?

Make secure and cost effective payments within seconds and without limits.

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How much does a card cost?

Details here

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How can I order more cards?

Details on how to order more cards here

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How do I enable Multi-factor Authentication?

To help ensure your account remains secure, Multi-factor Authentication (MFA) is required when signing into your desktop account or adding a new payment recipient. We recommend using the app to authenticate, and this answer provides step-by-step instructions on how to set this up.

2FA app security authentication authorising a new recipient MFA multi-factor authentication security two-factor authentication

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How do I load funds into my Centtrip Account?

It's quick and easy to add funds

funding my account

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How do I transfer Two-factor Authentication to a new device?

Follow these instructions to transfer

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How do I activate my card?

Now that you have your shiny new Centtrip card, sign it on the reverse and follow these instructions to activate it.

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How do I export reports from Centtrip?

You can create and tailor comprehensive reports for analysis and reconciliation in the reporting tab.

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How do I add a new recipient (payee)?

To begin enjoying fast, secure and cost-effective domestic and international payments, first you need to create your Centtrip list of suppliers and payees. You can do this quickly and easily by adding them to your Recipients list, either individually on an ad hoc basis, or in batch.

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How do I buy currency?

You can do this via your desktop account and the app.

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