Help: Opening an Account

Opening an Account

  • You’re guaranteed to get our Current Account and Debit Card as long as we can verify the details we need from you.

    For personal applications, we simply need to verify that you’re a UK resident  and are at least 18 years old. (Additional Cashplus Current Account cardholders must be at least 13 years old).

    For business applications, we’ll also need to verify that your business is based in the UK.

    We’ll try to verify any personal or business name and address details with the  information that you provide us during the application. If we aren’t able to do this, we’ll request some documents from you in order to open your account.

  • No. There are no credit checks to open an account.

    For our Personal account holders, we could help you improve or build your credit history at no extra cost by adding our Creditbuilder service to your account.

  • You can pay for your account in several ways:

    By Debit or Credit Card

    A simple one off payment during the application form or using our application status tracker after applying online.
    You’ll need the ten digit application reference number that appeared on the confirmation email or letter that we sent when you applied.

    By SMS  (Only Personal can use this payment method)

    Just choose ‘Pay by SMS’ when you apply, then follow the simple instructions onscreen.. All texts are charged at the standard text message cost set by your mobile phone provider. Your mobile phone bill will be charged a fee of £10 - any amount due back to you will be credited to your Cashplus Current Account.

    Electronically, by bank transfer

    Using your unique Account Number and Sort Code, transfer money from any UK bank account online, branch or over the phone, or set up a Standing Order to pay your card fee and to regularly pay money in. And it’s fast: for funds we receive by 9:00pm (including bank holidays) from a bank with a Faster Payments Service, your money will be available the same day.

    Pay Later’ with Cash at a PayPoint store You’ll receive an electronic payment letter at the end of your application and by email. Take a print out of the letter, or simply show it on your phone, to the PayPoint store employee to scan. Then pay for your card and it’ll be with you in 3-5 business days.


    Don’t forget you can go back at any time and pay online with a debit card via our Application Status Tracker.

  • You can download another one by using our application status tracker or from the Application Confirmation email we sent you

  • You can see how quickly your Current Account card application is moving along by using our application status tracker. You’ll just need your ten digit application reference number that appeared on the confirmation email or letter that we sent when you applied.

  • If you applied online and paid by debit card, or by text, your card should arrive within just three to five working days of being approved. 

    If you chose to pay for your Cashplus card at a PayPoint store, or bank transfer, you should get your card within three to five working days of payment being received by us.

    Alternatively, if you now prefer to pay online, please use the application status tracker to pay using an alternate method.

  • Please Note: These emails can take up to 24 hrs to be delivered.

    We’d first recommended you check your junk mailbox. If you've still not received it, please contact us on 0330 024 0924 and we'll arrange for it to be re-sent to your email address.

  • Keeping your account secure is our top priority. When you apply online, we’ll provide you with your own unique security code. 

    You’ll need your security code to register for Cashplus Online Servicing and verify yourself to the over when calling our Customer Services team. 

    You can get a reminder of your eight digit security code emailed you via Online Servicing. Just click on ‘Forgotten Security Code’ and have your card ready and enter the details requested.

  • So that we can verify your details and open your personal or business current account as soon as possible, please follow these steps:

    1. Check your application confirmation email to see whether you need to provide Proof of Identity, Proof of Address or both.
    2. For Proof of Identity – select one document from column A below
    3. For Proof of Address – select one document from column B below
    4. If you need to provide both, please ensure you provide two different documents, one from column A & one from column B
    5. Once you have copies of your documents, please use the unique link in the emails we’ve sent you requesting documents. You’ll be able to upload electronic copies of your documents to our online portal and our team will review them within 5 business days. Alternatively, you can send them by post but should allow 10 working days for them to be received and reviewed.

     If you need a replacement email, please call Customer Services.

    Please read these important notes before selecting a document:

    • We require some documents to be certified before we can verify them. We’ve marked all documents requiring certification with a (C) in the table below.  If you need further information on certified copies, please see the section below on what's a certified copy. 
    • Ensure all photos are clear, legible and complete
    • Partnerships or limited liability partnerships: you’ll need to send documentation in for ALL partners
    • Charities: as only the trustee of the charity can apply for a charity account, all documentation must be in the name of the trustee. Following successful application, you will be sent an “authority to discuss” form. Once completed, other charity employees may control the account

     

    A. PROOF OF IDENTITY:

    (C) = DOCUMENTS REQUIRE CERTIFICATION

    B. PROOF OF ADDRESS:

    (C) = DOCUMENTS REQUIRE CERTIFICATION

    Passport
    NB: Please provide a copy of your passport and ensure it hasn’t expired.

    UK Driver’s Licence, Provisional or Full
    NB: This can’t be used for both Proof of Address and Proof of Identity. Please provide a copy of your card (including front and back) and ensure it hasn’t expired. The paper counterpart of a licence isn’t accepted.

    UK Driver’s Licence, Provisional or Full
    NB: This can’t be used for both Proof of Address and Proof of Identity. Please provide a copy of your card (including front and back) and ensure it hasn’t expired. The paper counterpart of a licence isn’t accepted.

    Bank or building society statement (C)
    NB: The document can’t be a print out from the internet or a branch. The document must be dated within the last 3 months at the time of submitting your documents and be a certified copy.

    EEA member state ID card (C)
    NB: Please provide a certified copy of your card (including front and back) and ensure it hasn’t expired.

    Utility bill (C)
    NB: Internet print outs or mobile phone bills aren’t accepted. The document must be a certified copy and be dated within the last 3 months at the time of submitting your documents.

    EU Driver’s Licence (C)
    NB: Please provide a certified copy of your card (including front and back) and ensure it hasn’t expired.

    Confirmation of receipt of Benefits or DWP Pension (C)
    NB: Please provide a certified copy and ensure the document is for either the current or new tax year.

    Firearms Certificate or shotgun licence (C)
    NB: This can’t be used for both Proof of Address and Proof of Identity. Please provide a certified copy of your certificate (including front and back) and ensure it hasn’t expired.

    Council tax bill (C)
    NB: The document must be a certified copy and must be within the current tax year at the time of submitting your documents (expired documents aren’t acceptable).

    Northern Ireland Electoral ID card (C)
    NB: Please provide a certified copy of your card (including front and back) and ensure it hasn’t expired.

    Any HMRC Correspondence (i.e. confirmation of tax code or National Insurance number) (C)
    NB: This must contain your NI number, be a certified copy and the document must be dated within the last 3 months at the time of submitting your documents.

    Construction Industry Scheme card (C)
    NB: Please provide a certified copy of your card (including front and back) and ensure it hasn’t expired.

    Tenancy agreement from a council or housing association (C)
    NB: Private tenancy agreements aren’t accepted and the document must be dated within the last 3 months at the time of submitting your documents and be a certified copy.

    Military ID card (C)
    NB: Please provide a certified copy of your card (including front and back) and ensure it hasn’t expired.

    Credit card or store card statement (C)
    NB: Internet, branch or store print outs aren’t accepted. The document must be dated within the last 3 months at the time of submitting your documents and be a certified copy.

     

    Council rent card (C)
    NB: Internet, branch or store print outs aren’t accepted. The document must be dated within the last 3 months at the time of submitting your documents and be a certified copy.

     

    Firearms Certificate or shotgun licence (C)
    NB: This can’t be used for both Proof of Address and Proof of Identity. Please provide a certified copy of your certificate (including front and back) and ensure it hasn’t expired.

     

    Bankruptcy Order / Bankruptcy Restriction Order / Debt Relief Order (C)
    NB: Please provide a certified copy and ensure the document is dated within the last 3 months at the time of submitting your documents.

     

    Mortgage account statement (C)
    NB: Internet, branch or store print outs aren’t accepted. The document must be dated within the last 3 months at the time of submitting your documents and be a certified copy.

     

    Inland Revenue Notice of Tax Coding (C)
    NB: Please provide a certified copy and ensure the document is for either the current or new tax year.

     

    Solicitor’s Correspondence (C)
    NB: The document must be dated within the last 3 months at the time of submitting your documents.

  • This is a photocopy of a document with the words ‘Confirmed a true copy of the original’ added, which has then been signed, stamped and addressed with a name, position and contact phone number of the certifying party.

    Bank, building society and UK Post Office staff, teachers, police officers, accountants and solicitors are all qualified to certify your document.

    We can’t guarantee that all of the above will certify the copy of your document, so please call before travelling to them. If you have any difficulties getting your copy certified, please contact us.

  • Once you have certified copies of the document(s) outlined above, please send them by post to the following address:

    “Freepost CASHPLUS” (note: no other address details or stamp is required)
    Please remember to enclose a quick covering letter that includes your Application Reference Number (this was confirmed to you by email after you applied). Then please check that you send certified copies as shown in the table under ‘What document(s) do I need to send to Cashplus’ for details.

    Important: Please ensure that you’ve read the list of acceptable documents prior to sending in your documents as unfortunately, we won’t accept documents after the third submission.

  • Please contact Customer Services to see if there are any alternative options available to you.

  • you don’t provide documents to open your account within 60 days of applying, your application will be cancelled.

    Please ensure that you only send certified copies of documents as shown above, and remember to enclose a quick covering letter that includes your application number (this was confirmed to you by email after you applied).

Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK. For full website terms including information on Cashplus, Mastercard and use of Trademarks, please see our full legal disclosures at https://www.cashplus.com/legal/. **Credit facilities are provided by Advanced Payment Solutions Ltd (APS) and are subject to the AFL Cashplus e-money account being in good standing and applicants aged 18+. APS is authorised and regulated by the Financial Conduct Authority for consumer credit activities (Registration No. 671140). ♦Calls to 03 numbers cost no more than a national rate call to a 01 or 02 number and will count towards inclusive minutes in the same way as 01 and 02 calls. Calls may be recorded.