Allgo Rewards - Gift Card Terms and Conditions of Use


1.1 These terms and conditions apply to any holder of this Gift Card (‘the gift card’). By using your card you are demonstrating your agreement to these terms and conditions.
1.2 The Gift Card is promoted by Allgo Global Rewards Limited (co-brand partner) and issued by Wirecard Card Solutions Limited Registered Office: 3rd Floor, Grainger Chambers, 3-5 Hood Street, Newcastle upon Tyne. NE1 6JQ. Registered in England No. 07875693. Authorised and regulated in the UK by the Financial Conduct Authority to issue e-money (Firm Reference Number: 900051).
1.3 You will purchase the Gift Card in a stated currency. All references to that currency in these terms and conditions are relevant to you.
1.4 Additional funds cannot be put onto the Gift Card after initial purchase, except in the case where a retailer refunds a transaction onto the Gift Card.
1.5 These terms and conditions are available online at . You can request a copy of these terms and conditions at any point in their duration.


In these terms and conditions, the following words and phrases have the meanings shown next to them:
ATM – means automatic teller machine or cashpoint facility or cash dispenser;
Business day – means a day between and including Monday to Friday, between 9am and 5pm (UK time) except for bank or public holidays in England and Wales;
Gift Card – means your Allgo Rewards Prepaid Gift Card (including replacement card);
Card scheme – means MasterCard;
Fees – a variety of charges that can be raised for purchase and ongoing use of the card;
PIN – means personal identification number i.e. the security number provided for use with the card;
Purse value – means the maximum value of funds that can be held with the card any one time;
Supplier – a retailer, merchant or other supplier of goods and/ or services which accepts payment by means of a card, card number, PIN or card and signature;
Summary Box – The section that includes notification of charges, limits and restrictions associated with the card;
Supplier’s bank – the merchant acquirer used by the supplier for the purposes of receiving payments arising from transactions.
We / us / our – means Wirecard Card Solutions Limited or co-brand partners acting on our behalf;
Year – 12 month period following the date when the card is issued to you and each subsequent 12 month period.
You / your – means the person/employee who has received the card and is authorised to use the card as provided under the terms of this Agreement.


3.1 A Gift Card may be used by the purchaser of the Gift Card or it may be given to another person as a gift. Prior to use, the Gift Card should be signed on the reverse by the person who will be using the Gift Card.
3.2 The Gift Card is designed for use in shops and retail locations within the eurozone for transactions conducted in euros where you are physically present. To use the card, present it at the time of payment. Use it in full or part payment of your purchase in which case you will be required to pay the outstanding amount of the purchase by an alternative means, for example, cash or debit or credit card providing the retailer accepts a combination of payment methods.
3.2.1 Additional funds cannot be added to the Gift Card after purchase.
3.3 You must not make purchases that exceed the balance of funds available on the Gift Card. Your balance will be reduced by the amount of each purchase you make. If any purchase takes you over your available funds or the card limits in force the transaction may be declined.
3.4 The Gift Card is not a debit card supported by a bank account, and is not in any way connected to a bank account. It is also not a guarantee card, charge card or credit card. You will not earn any interest on any funds loaded on to the card.
3.4.1 You must not use the Gift Card for:
3.4.2 4.4.1 pre-authorised regular payments;
3.4.3 4.4.3 transactions for cash including for example cash back, cash from a bank, money orders, traveller’s cheques, foreign exchange, or bureau de change, orany illegal purposes.
3.5 Your card cannot be used in situations where it is not possible for the supplier to obtain online authorisation that you have sufficient balance for the transaction. For example: transactions on trains, ships, and some in-flight purchases.
3.6 We may stop, suspend or restrict your card or PIN on reasonable grounds relating to:
3.6.1 the security of your card, card number or PIN, and
3.6.2 the suspected unauthorised or fraudulent use of your card or PIN. We will, if possible, inform you before stopping, suspending or restricting your card or PIN that we intend to do so and the reasons for doing this. If we are unable to do so then we will inform you immediately afterwards. The requirement to inform you does not apply where it would compromise reasonable security measures or it would be unlawful to do so.
3.7 We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with the card. We are not liable for the failure of any merchant to honour the card.
3.8 We will not sell the Gift Card under these terms and conditions to anyone under the age of 13 years old.


4.1 You agree that any use of your card, card number or PIN constitutes your authorisation and consent to a transaction.
4.1.2 We will be entitled to assume that a transaction was authorised by you where the magnetic stripe on the card was swiped by the retailer, where there is a signed sales slip, or where relevant information is supplied to the retailer that allows them to process the transaction.
4.2 You cannot stop a transaction after it has been transmitted to us by giving your consent to the transaction, or once you have given your consent to the supplier for a pre-authorised payment.
4.3 We may refuse a transaction. We may do this if the relevant phone or computer link is busy. We may also do this if:
4.3.1 a transaction might take you over your available funds on the card; or
4.3.2 a transaction might take you over any of your card limits; or
4.3.3 We reasonably believe that we need to do so to keep to the rules of the payment system under which your card is issued, or
4.3.4 We reasonably believe that there are needs to do so to comply with any law or as a matter of good practice


5.1 If the Gift Card is used for transactions which are not in the currency of the card fees will be applied for doing so.
5.2 If you make a transaction in a currency other than the currency of the card we will change the amount into the currency of the card at the wholesale market rate or any rate that a government may set. We will charge a service charge (commission), see Summary Box.
5.3 Exchange rates may change, and the exchange rate which applies on the date that you make your transaction may not be the same as the exchange rate we use on the date that we convert the transaction charge and deduct the service charge from your balance. The exchange rate applied will include this service charge. You can check the exchange rate used as described in condition Your online statement will show the exchange rate and service charge.


6.1 To check the available balance on your card or to review your transactions visit or call * or email


7.1 The card’s expiry date is printed on the card.
7.2 You can redeem any outstanding balance on the card up to 6 years after the expiry date by following the process in condition 9. If any balance remains on the card for more than 6 years after the expiry date, it will not be refunded.


8.1 You can redeem all or part of the balance on the card by calling us on * up until the date that is 6 years after the expiry date shown on your card. We will transfer any redeemed funds into the bank account where the funds originated. This could be your employer who paid for the card as a staff reward or the company who paid for the card as part of an incentive programme. The company can then decide on an alternative payment option for you in accordance with the non-cash rules applicable to your reward / incentive scheme.
8.2 You will be charged a fee (see Summary Box) to cover redemption costs on each occasion that you redeem if you redeem all or part of your balance at the following times:
8.2.1 where redemption is requested before termination of the contract;
8.2.2 where the e-money holder terminates the contract before any agreement termination date; or
8.2.3 where redemption is requested more than one year after the date of the termination of the contract.
8.3 You will be reminded of this fee before redemption. Please note that if your balance is equal to or less than the amount you want to redeem in the circumstances listed above, the fee will equal your balance which will be reduced to zero.
8.4 You will not be charged a fee for redemption if:
8.4.1 we terminate this agreement, or
8.4.2 if the request for redemption is at termination of the contract or up to one year after that date


9.1 The Gift Card must be signed by the user as soon as it is received and you must take precautions to ensure it is safe. You must always make sure that you:
9.1.1 do not allow anyone else to use your card;
9.1.2 only release the card or card number to make (or try to make) a transaction, and
9.2 If your card is lost or stolen or someone else finds out the PIN or its security features or, if you think your card, card number or PIN may be misused, you must:
9.2.1 Call the 24 hour lost & stolen card helpline on You must provide the card number to cancel the card.
9.2.2 if we ask, write to us within seven days to confirm the loss, theft or possible misuse (the address is Allgo, 66 Camden Street Lower, Dublin 2, D02 X201), and
9.2.3 stop using the card, card number or PIN immediately. If you find the card after you have reported it lost, stolen or misused, you must cut it up and tell us as soon as you can.
9.3 If your card, or any replacement card, is lost or stolen, once you have reported it, you can request a replacement by calling *. We will charge a fee for the replacement card. This is set out in the Summary Box.
9.4 You may not be liable for any use of the card or card number by another person who does not have your permission to use it or if it is lost, stolen or destroyed, unless:
9.4.1 you agreed to that person having your card or card number, or through gross negligence or carelessness, failed to comply with condition 10.1, in which case you may be liable for any use that occurs before you tell us in accordance with these terms and conditions, or
9.4.2 you acted fraudulently then, to the extent permitted by law, you may be liable for misuse of the card or card number.
9.4.3 you may only be liable to a maximum of €50 resulting from transactions arising from the use of a lost or stolen card or from the misappropriation of the payment instrument where the cardholder has failed to keep security features of the card safe. The €50 liability limit is applicable to each instance of loss, theft or misappropriation and not each transaction.
9.5 If your card is used without your permission, or is lost, stolen or if you think the card may be misused, we may disclose to law enforcement agencies, any information which we reasonably believes may be relevant.
9.6 We will not be liable for:
9.6.1 any abnormal or unforeseeable circumstances outside our reasonable control (for example, a failure of computer systems which happens for reasons outside our reasonable control or any industrial action which happens for reasons outside our reasonable control) if this prevents us from providing its usual service;
9.6.2 any person refusing to accept or honour (or delays in accepting or honouring) your card, card number or PIN, or
9.7 In case of errors or disputes about transactions, call us on *.


10.1 If we change these terms and conditions, the new terms and conditions will be available at from the date the change takes place.


11.1 We may terminate this agreement at any time. Unless there are exceptional circumstances we will give you 2 months’ prior written notice.
11.2 You can terminate this agreement by calling us on * or emailing us at subject to conditions 11.4 and 12.
11.3 If you do not redeem your full balance within 6 years of your card’s expiry date, this agreement terminates.


12.1 We may monitor and/or record telephone calls between you and us or service providers.
12.2 We may transfer our rights or obligations under this agreement or arrange for any other person to carry out its rights or obligations under this agreement. You may not transfer any of your rights or obligations under this agreement.
12.3 We can delay enforcing its rights under this agreement without losing them.
12.4 If we cannot enforce any paragraph, condition or part of a paragraph or condition under this agreement, it will not affect any of the other paragraphs, conditions or the other part of the paragraph or condition in this agreement.
12.5 This agreement is governed by the law of England and Wales. The language of this agreement is English and all notices and information given under this agreement will be in English.


13.1 This condition 15 only applies if the supplier’s bank is located within the European Economic Area (EEA) and the payment services being carried out are transacted in Euro, or another currency of an EEA member state.
13.2 We will ensure that a transaction you make is credited to the supplier’s bank, or that returned funds following redemption or cancellation are credited to your bank within these timescales:

Type of Transaction Timescale
Transaction carried out in a currency other than Euro (€) or Pounds Sterling (£) or transaction involving more than one currency By the end of the fourth business day following the day on which the transaction or order is received
Any other Transaction By the end of the business day following the day on which the transaction order is received

13.3 If you use your card or provide your card details to a supplier to make a transaction before you know the amount which is going to be charged to your card, then you may be entitled to request a refund if the amount is unexpectedly large, provided that you tell Allgo Rewards within eight weeks from the date the transaction is deducted from your balance but you will NOT be entitled to a refund if you have been told by us, or the supplier, of the amount of that transaction at least four weeks before the transaction is due to be deducted from your balance, and you consented to the transaction.
13.4 On receipt of such a request under condition 15.3, we may require you to provide us with the information to ascertain whether the conditions in condition 15.3 have been met. Within 10 business days of receiving a request from you under condition 15.3 or of receiving any additional information required under this paragraph, we will provide a refund or justify why we are refusing the request.
13.5 We are liable for the correct execution of the transaction unless we can prove that the transaction was received by the supplier’s bank, in which case the supplier’s bank is liable to the supplier. You may request that we make immediate efforts to trace an incorrectly executed transaction and notifies you of the outcome.
13.6 When a supplier initiates a transaction it is the supplier’s bank which is liable for the correct transmission of the relevant details to us. If the supplier’s bank can prove that it is not responsible for a transaction which has failed or has been incorrectly executed, we will be responsible to you.
13.7 If we are responsible for an incorrect amount of a transaction being deducted from your balance, we will correct the error. If we are responsible for a transaction being deducted from your balance which you did not authorise, we will refund the amount of the transaction to your balance and treat the transaction as if it had never occurred. You must inform us of an unauthorised or incorrect transaction as soon as possible and in any event no later than 13 months after the debit date. If you do not do so, we may not be liable.
13.8 We are not liable if you incorrectly identify the supplier under a transaction. In such a case, we will make reasonable efforts to recover the funds involved.


14.1 If you would like to make a complaint, or contact us for any other reason connected to these terms and conditions please write to Allgo, 66 Camden Street Lower, Dublin 2, D02 X201 0r email or call us on * We have procedures in place to make sure that we handle your complaint fairly and quickly. However, if you are not satisfied with the outcome of your complaint, you can write to the Financial Ombudsman Service at Exchange Tower, London E14 9SR or call 0800 023 4567 or 0300 123 9123. If you are calling from outside the UK please dial (call charges from outside the UK may vary) or email at or visit website address: for more details.


This table summarises key product features and information and is not intended to replace the terms and conditions of the product. The fees’ limits and restrictions that apply to each card are set out below. The limits structure for your card depends on whether you have satisfied identity requirements and the permitted geographical spending facilities associated with the card.

Description Fees and Limits
Maximum Card Value €500
Number of Purchases allowed per Day 15
Value of Purchases allowed per Day €500
Fee for Replacement Card €20
Fee for Termination €50
Out of Currency Fee 2% of transaction total
Card Management Fee (from month 13 from date on card) €3 per calendar month

*Calls to the Allgo Customer Services telephone line are charged at your standard network rate. Lines are open Monday to Friday between 09:00hr and 17:30hr. MasterCard is a registered trademark of MasterCard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd (“WDCS”) pursuant to licence by MasterCard International Inc. WDCS is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051).