Free Top Ups

Important Update

You can top-up your pre-paid MasterCard® account by online banking* or by visiting your local Post Office® branch. You can also go online at your convenience to download a Standing Order* or Wages Payment form* – once you have submitted the form, regular payments could be made to your account from another bank account or your employer.

You can top-up your account between £10 and £5,000 per day. Scroll down to view more detailed information about topping up.

How much can I spend?

Subject to having sufficient available funds and being a fully verified customer there is no limit to how much you can spend. Limits do apply for customers who are not fully verified, click here for more details. Remember, if you are fully verified you may also withdraw a maximum combined amount of £500 per day at ATMs and bank counters.

Online

If you or your family and friends have an online bank account you can easily and simply transfer funds to your Sterling pre-paid account.

It’s easy to top up online

1. Log onto your internet banking account

2. Set up a payment (contact your bank if you need help) using the following details:

Payee name: (Please enter the first and last name of the cardholder)

Account number: (You can find your unique 8 digit Account Number on the 'Account details' screen in the Members' Area)

Account details

IMPORTANT INFORMATION: It's vital that you use your Sterling Account Number and Sort Code, otherwise your money will take longer to arrive into your Sterling card’s account.

Sterling Card top up processing times

  • Same day:
    For top up payments we receive before 3:30pm from a bank with a Faster Payments Service, the money will be loaded into your account the same day.
  • Next day:
    For top up payments we receive after 3:30pm from a bank with a Faster Payments Service, the money will be loaded into your account the next day.

If your bank doesn’t use ‘Faster Payments’, or the money is sent via BACs, it should arrive on the third working day. Once we receive the money, we’ll get it into your account and available to spend the same date it arrives.

Please note:

  • To top up your Sterling Card account at your bank branch or over the phone, use the same details as above
  • The account and Sort Code details can only be used for putting money into your account

Standing Order

To reload your Sterling Card account by Standing Order, you will need to set up a standing order mandate.

Online:

To reload your Sterling Card account by Standing Order, you will need to set up a standing order mandate, using the details shown in step 2 above.

In your bank branch:

If you don't bank online, you can print off our standing order form. Simply complete this form and take it to your bank.

Please note: It's essential that you use your Sterling Account Number and Sort Code, otherwise your money will take longer to arrive into your Sterling card’s account. If you print off our standing order form, again, be sure to use your Sterling Account Number and Sort Code.

At a Post Office® branch

You can reload your Sterling Card with cash between a minimum amount of £10 up to a maximum of £500 per transaction.

If you are a primary cardholder and you have provided your mobile number when purchasing your card we will notify you by text message free of charge when the funds are available for use on your Pay As You Go Sterling Card.

Find your nearest Post Office®

Fast Top-up

e-pay outletsIf you need to top-up money into your account for your card or an additional card urgently, you can visit thousands of outlets nationwide and the money should be available for use in minutes. You can top-up at two types of outlets:

  • Retail outlets: Top-up any amount from £10 to £5,000 per day for FREE.
  • epay outlets: Here you can top-up any amount from £10 to £150, in multiples of £10, up to a maximum of £5,000 per day. You can top-up by cash and in some places by debit card.

The epay outlet will charge you £3 per top-up and your money should be available to spend in 30 minutes.

To find a top-up outlet check on the store locator using the form below (you may also see the epay logo).

To find your nearest top-up outlet:

  • Enter your town or postcode in the box below
  • Then, select whether you would like to visit a retail location or epay outlet

Remember to confirm any top-up fees with the retail outlet before they top-up your account and ask for a receipt of your top-up which you should keep for your records.

Post Code:
Outlet Type:
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*Terms and Conditions

*Subject to terms and conditions including applicant providing acceptable ID, being a UK resident & aged 18 years+. Card & usage fees apply. Sterling Cashplus is issued by APS Financial Ltd (AFL) pursuant to license by MasterCard International Incorporated. APS Financial Limited is authorised by the Financial Services Authority under the Electronic Money Regulations 2011 for the issuing of electronic money. (www.fsa.gov.uk/register/2EMD/2EMD_MasterRegister.html Reference 900002). Cards are serviced by Advanced Payment Solutions Ltd ("APS") which operates the card on behalf of AFL. AFL & APS registered address is 6th Floor, One London Wall, London EC2Y 5EB. Registered numbers 06029941 & 04947027. Sterling Cashplus is a registered trademark of APS. MasterCard is a registered trademark of MasterCard International Incorporated. The Post Office® and Post Office symbol are registered trademarks of Post Office Ltd. †Creditbuilder is provided by APS. APS Consumer Credit Licence No. 0608377.

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