About upgrading restricted cards

What is a restricted card?

A restricted card has a total spending limit of £1,600 per year (12 months starting from date of first Transaction) of which no more than £600 can be cash machine withdrawals. A single debit transaction limit of £600 also applies.

Why would a card be restricted?

When you apply for your Splash Plastic card we are required to undertake an identity check. In some cases, we may need a little more information from you before we can give you an unrestricted card. If this applies to you, we will let you know when we send you your card and provide simple instructions on what you will need to do.

How can I upgrade to an unrestricted card?

If you think you will need to spend more than £1,600 a year (£600 of which can be cash withdrawals and cash back. Single debit transaction limit of £600 also applies); you will need to send us 2 identity documents from the table below.

These documents should be sent to 360money Customer Services, PO Box 3371, Swindon SN5 7WJ.

Please note:

  • The documents you supply must match the personal details that you provided when the application was processed e.g. name, date of birth, address.
  • If you supply a passport, drivers licence, or national ID card it must be within the expiry date.
  • If you supply a utility bill, bank statement or insurance certificate these must be dated within the last 3 months.
  • Documents supplied must be legible. Any unclear, illegible copies cannot be accepted.
  • If you are under 18 and are unable to provide the required identification you can supply a photocopy of your signed passport and get your parents or guardian to supply one form of identification from Column B.

You must provide one document from column A and one from column B from the blank boxes e.g. from the boxes that are not shaded. The 2 documents must be from different columns and you can not use the same document twice.

Documentation Type required Column A Column B
Passport Photocopy
IND Application Registration Card Photocopy
Driving Licence - full UK
Driving Licence - full UK photo card
You can use your Drivers Licence once as either a column A or B document.		 Photocopy
Driving Licence - overseas Photocopy
National Identity card Photocopy
Government employers identity card
e.g. armed forces identity card, police warrant card, NHS, HMRC		 Photocopy
Benefits Agency/ Local Authority letter - confirmation of benefits
You can use a letter once as either a column A or B document (dated within the last 3 months)		 Original
Residence Permit Original
Letter from a known employer (dated within the last 4 months) Original
Letter from a university, college or known language school
(includes acceptance letters from UCAS)		 Original
Council tax bill Original
Gas, electricity or water bill Original
Landline telephone bill Original
TV, satellite or cable bill Original
Bank, building society or credit card statement Original
Home or motor insurance certificate/ schedule Original
Tenancy agreement or rent book Original
Vehicle registration document (dated within the last 12 months) Original

Do I have to upgrade my card?

No. You are free to use your card now and you can spend up to £1,600 per year (a single debit transaction limit of £600 applies), £600 of which can be withdrawn from a cash machine. You only need to upgrade your card if you think you will need to spend more than this.

Do I need to pay to upgrade my card?

Yes, there is a fee for upgrading your card, please view the Terms & Conditions. The fee will be deducted from your card balance.

How will I know if my card has been upgraded?

We will inform you by letter of your successful upgrade and return any original documents that you sent to us. You should receive notification within 10 working days of us receiving your documentation.

If any of the documents you supplied were insufficient to complete your card upgrade we will contact you and request further documentation.