Personal
Every control that matters sits in the app: limits, contactless, online payments, cash abroad, and a freeze that takes one tap.
The range
Three cards, one set of controls
Whichever you hold, the app treats it the same way.
- Visa•••• 4417A OKONJOExpires09/30
Everyday debit
Included with the Current Account Plus, at no charge.
- Mastercard•••• 9042A OKONJOExpires04/31
Premium debit
Higher cash limits abroad and travel cover, on the Premium account.
- Virtual•••• 7761A OKONJOExpires11/29
Virtual card
Created in seconds, locked to one merchant, deleted whenever you like.
Controls
Six switches, all of them yours
Freeze and unfreeze instantly
One tap stops every new payment. Unfreezing is just as fast, so a card mislaid in a coat pocket does not have to become a replacement.
Your own limits, not ours
Set a per-payment ceiling, a daily spend cap and a separate cash limit. Lower them for a trip and raise them again when you are home.
Switch off what you do not use
Contactless, online payments, cash machines and payments abroad can each be turned off independently. A capability you never use is a capability nobody can abuse.
Virtual cards in seconds
Create a card for a single subscription, lock it to that merchant, and delete it the day you cancel.
No mark-up on the exchange rate
Card payments abroad are converted at the network rate. The first three cash withdrawals abroad each month are free.
Fraud checks that learn
Unusual payments are challenged in the app, not declined in front of a queue. Approve it and it completes immediately.
Charges
What a card can cost you
The complete list. Everything else about the card is free.
| What it is for | Charge | Free each month |
|---|---|---|
| Cash withdrawal in the UK | Charge £1.00 | First 10 |
| Cash withdrawal abroad | Charge £2.50 | None |
| Company debit card | Charge £5.00 | First 2 |
| Replacement company card | Charge £7.50 | None |
This is the complete list. Anything not on it is not charged for.
Questions about cards
How quickly does a replacement card arrive?
Two to three working days as standard, and free the first time each year. In the meantime a virtual card is available immediately for online and wallet payments.
Is there a credit card?
Yes, subject to a full application and affordability assessment. The representative APR and the total cost of borrowing are shown before you apply.
What if I do not recognise a payment?
Report it in the app. We freeze the card, open a dispute and, where the payment was not authorised by you, refund it while we investigate.
Can I add the card to a phone wallet?
Yes, on both Apple and Google wallets, including virtual cards. Wallet payments use a device token rather than the card number itself.
Get a card with your account
Your virtual card is ready the moment the account opens; the physical one follows in the post.