Do I have to upgrade my card?

If you wish for your wages to be transferred onto your card and you have filled in the wage transfer form we recommend that you upgrade your card as soon as possible. However, you are free to use your card now and you can spend up to £1,600 per year, £600 of which can be withdrawn from a cash machine. You cannot top up your card using a debit or credit card. Maximum spending limit per single transaction is £600.