th

10.00am Welcome and introductions followed by a Fincan Update
10.20 am 2 Way Tenancies
10.45 am Cred-e-Card
11.15am Comfort Break
11.30am Shelter National Update
12.00am Financial Inclusion Consultation Discussions
1.00pm
Close and lunch

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PRODUCT INFORMATION
FEBRUARY 2015

 Who we are

How is credEcardplus more than a basic bank account?

Key benefits cardholder

Key benefits partner

How it works?

Mobile app

Money management tool

Cashback rewards
 Online discounts
 Cardholder Journey
 Partner journey
 Fees
 Travel money card
 Business account
 Instant issue
 We protect personal partner and cardholder data

We are regulated by the Financial Conduct Authority

Contact Info

Appendix What you see – screenshots

 UK based member of Visa Europe offering payment solutions and end to end program management
 White label / Gift side capabilities, along with ethical banking services
 Established in 2008 – privately funded
 Corporate clients include Pizza Express, Argos, Zizi’s, Ffrees and many more…
 Operate in a number of sectors including credit union, housing associations, debt charity and managements, local authorities, corperate and international travel

 Alternative to a bank account with a UK sort code & account number provided
 Financially inclusive: no credit checks and no financial history information required and transparent fees
 Gives you more: cashback rewards and online discounts

 Free mobile app to check account balance on the go
 Visa debit card to use wherever you see the Visa logo (ATMs, instore or online)
 24 hour access to online current account
 Money management tool
 UK based customer services
 Exclusive: cashback rewards and online discount
 No unexpected charges

 Pay bills, shop online and obtain bank account details
 Safer than carrying cash – secure PIN
 Cash can be paid into PayPoint and Post
Office (coming soon)
 Use it at home or worldwide- cost efficiently
 Flexible & low cost
 Lost and Stolen 24 hour phone line
 No credit, debt checks / financial history information required

 One-on-one account management
 Flexible program options
 Initial and ongoing staff training
 Marketing Support & advice
 We own the whole process: IT Systems, processes and programmes all run by us
 Friendly, UK Customer Services support
(6 days a week)
‘We give you the full train set’

Our free mobile app lets you:
 Check your balance on the go at anytime
 See whether payments have been sent/received in your account
 Make payments
 Leave a note to request a call back
 Access on any smartphone/most tablets
 Available FREE from Google Play or the
Apple Store


Budget with the Envelope™ facility.
 Our money management tool is a handy way to pay your bills more easily
 It ring-fences and safeguards money for essential bills
 Helps card holders manage their finances and avoid arrears
 Let’s you put money aside
 Gives you peace of mind that your bills are being taken care of
 No unexpected charges
 FREE service
 Can be switched off if conflicts with any
CU product

 Receive discounts from high street shops
 Save on everyday essentials and treats
 Top ten rates offers

Step 1 Apply for credEcard via referring partner
Step 2
Receive online login details via email to:
 Obtain PIN online
 View account balance / recent transactions
 Set up standing orders and pay bills
 Move money to bank accounts
Step 3 PIN obtained and card received
Step 4 Activate card online or by phone
Step 5 Use card online, in-store or at ATMs

Step 1
Referral Agreement signed
Step 2
We create your back office portal
Step 7
One-to-one account management
Step 3
We train your team
Step 6
UK Customer
Services team support
Step 5
Free marketing support given
Step 4
You can open accounts and distribute funds

We’re upfront and straightforward with:



Our fees are available to see on our website: www.credecard.com/fees

 Can use the card worldwide where the Visa logo can be seen
 Withdraw cash from over 2 million ATM’s in over
200 countries
 £2.00 monthly management fee – covers ALL electronic loads into the account per month
 Ideal for regular loaders (e.g. weekly wage/benefit)
 Flexible issue fee (on-going marketing and promotional offers)
 Rest of the fees are found on the website / fees page
 Secure CHIP & PIN with 24/7 lost and stolen line
 Optional commissions for the referring partner

 Can use the card worldwide where the Visa logo can be seen
 Withdraw cash from over 2 million ATM’s in over 200 countries
 £1.00 is deducted from the balance per electronic load
 Ideal for seasonal loaders (holiday/festive loan)
 Flexible issue fee (on-going marketing and promotional offers)
 Rest of the fees are found on the website / fees page
 Secure CHIP & PIN with 24/7 lost and stolen line

Lets your organisation load a prepaid card and hand it to an individual in just a matter of minutes.
 A Visa debit card can be used to purchase goods wherever the Visa logo is displayed including shops and at ATMs
 Allows customers to pay bills online
 Reduces costs for referring organisation handling cash/issuing cheques
 Secure CHIP and PIN
 Ability to cancel and re-issue card if lost
 Eliminates risk of issuing cash loans

 It’s £3.00 per card
 Loads are FREE

75p to withdraw cash at an ATM (you can get cashback for free instead)
 Free UK POS purchases

No cost to upgrade to the full credEcardplus account
 Secure £2,000 turnover limit for account per year

Can be loaded up to 4 times in a 12 month period
 Maximum £800 per year can be withdrawn from
ATM’s

Our credEcard account for business is open to all and has low usage fees.
It’s free to receive payments from your customers or to make a purchase (UK). Also you can pay your business bills, wages, suppliers direct from your online business account portal.
Your Visa card comes with online monthly statements and is an ideal way to keep track of expenses and other costs.
The business account is available to all including:
 Sole traders
 Partnerships
 Limited Companies
 Charities
‘ Our credEcard account is an alternative to a business bank account: No credit checks / financial information required. No business plans or interviews are needed ’

 We adhere to the Data
Protection Act 1998
 We will not share any personal client data with third parties
 We only contact clients with marketing and promotional updates if they opt in to receive marketing communications
 All personal client information will be kept safe and secure

We are strictly regulated by the FCA, however, funds we hold on behalf of others are not covered by the standard FCA protection scheme. Of course, under e-money regulations and as a condition of our principle membership of Visa, we are legally bound to safeguard cardholder funds.
Therefore, all funds including partner and cardholder deposits must be held in a segregated account that is not accessible by ourselves or any of our creditors. If we were to fail as a company, the funds on account are not part of the Contis Assets and therefore protected. The practitioner handling the insolvency would handle all claims and ensure funds held on account are returned to cardholders.
As part of credEcard’s commitment to providing an ethical service, we endeavour to ensure all cardholders and partners are aware of the difference in how their money is protected, and all advertising, literature and promotional material displays the following standard information wherever relevant: credEcardplus is issued by Contis Financial Services Ltd who is authorised by the Financial Conduct
Authority to issue e-money (Firm Reference Number: 900025). Registered office: credEcardplus,
Navigation House, Belmont Wharf, Skipton, North Yorkshire, BD23 1RL. Your funds are not covered by the Financial Services Compensation Scheme, however funds are held in a segregated account so that in the unlikely event that Contis Financial Services Ltd becomes insolvent your funds will be protected against claims made by creditors

 Full back office program for CU’s and a like – slick ‘one page does all’ set up
 No set up, annual or training costs
 Direct debit facility
 Improved reward partners
 Regional discounts, community incentive
 Contactless cards
 Low / no ATM charges
 Junior and basic accounts
 Ability to ‘cherry pick’ services
 Regional seminars beginning 23 rd February 2015

Email: oliver.smith@contisgroup.com
Contact: 07970131886
Office: (01756) 693245

 Fees
 Online account – homepage
 Secure login
 Active card information
 Loading via PayPoint
 Account management
 Standing orders
 Transfer money

ISSUE/ACCOUNT OPENING FEE
MONTHLY MANAGEMENT FEE
TBC
£2.00** (first charge within 15 days of card activation) / £1.00 per electronic load
ATM WITHDRAWL
ISSUE/ACCOUNT OPENING FEE
UK PURCHASES
MONTHLY MANAGEMENT FEE
BALANCE ENQUIRY
ATM WITHDRAWL
UK PURCHASES
£0.75
£2.00 + 2% FOR INTERNATIONAL WITHDRAWL
FREE
£1.00 + 2% FOR INTERNATIONAL PURCHASES
MOBILE APP – FREE
CUSTOMER SERVICES – FREE
ONLINE ACCOUNT - FREE
ATM - £0.10
TOP UP FEE
BALANCE ENQUIRY
EXPIRY
TRANSACTION REVOCATION FEE
FREE VIA BACS (TO/FROM ACCOUNT)
PAYPOINT CASH LOAD - £1.50
TOP UP FEE
(LOST/STOLEN/DAMAGED)
£5.00
REPLACEMENT CARD (LOST/STOLEN/DAMAGED)
FREE PIN RE-SET
OTHER FEES
£1.50 PAPER STATEMENT (62 DAY PERIOD)
£0.10 SMS ALERTS (OPTIONAL)
TRANSACTION REVOCATION FEE
CANCELLATION FEE
£15.00 SAME DAY TRANSFERS (UK)
£20.00 REGULAR INTERNATIONAL TRANSFER
£28.00 URGENT INTERNATIONAL TRANSFER
CANCELLATION FEE
EXPIRY
£5.00
£2.00 (BEFORE EXPIRY DATE)
CARD VALID FOR 36 MONTHS

The NHAS
Specialist Support on Housing Advice

The National Homelessness Advice Service
• FREE membership FREE services
• Partnership project between Shelter and Citizens Advice, since 1990
• Funded by Department for Communities and Local
Government
• 2 nd tier specialist support on housing advice

• Shelter helps millions of people every year struggling with bad housing or homelessness - and we campaign to prevent it in the first place.
• We're here so no one has to fight bad housing or homelessness on their own.

The National Homelessness Advice
Service
Second tier specialist to;
• all 326 Local Authorities in England
• all CABx in England
• around 165 other local advice agencies
• 18 national organisations

● Action for Blind People
● Addaction
● National Debtline
●
People, Potential, Possibilities (P3)
● Age UK ● Prisoners Abroad
● Christians Against Poverty ● Royal Association for Deaf People
● Freedom from Torture ● Royal British Legion
● Depaul UK
● Gingerbread
● Refugee Action
● Refugee Council
● Huntington’s Disease ● RNIB
● National Autistic Society ● The Debt Counsellors Charitable
Trust

• Consultancy Line
• Housing & Debt casework (HDC)
• Training
• NHAS Website
– Resources, fact sheets
• Improving Outcomes for Young People website
(for all professionals working with young people)

Consultancy Line
• Dedicated telephone consultancy for information, advice and casework support
• Any type and level of housing issue
• Monday to Friday, 9am – 8pm
• National number 0300 330 0517
• NHASConsultancy@Shelter.org.uk

Consultancy Line
• Experienced housing caseworkers
• One-off enquiry / ongoing advice and support
• Immediate diagnosis of the issue; legal information; practical options; tactical guidance; N244
• Advice confirmed in writing by email

A specialist housing debt 2nd tier advice and casework referral service
• Free expert assistance available for CABx, local authorities and our voluntary agency members. The Housing Debt Casework team can provide second-tier support and a referral service where required for:
• mortgage debt cases, from early stage arrears to possession and warrant stage
• welfare benefit cases, where the welfare benefit issue impacts on housing affordability
• some rent arrears cases

• We can provide:
• advice on housing cost arrears and related priority debts
• welfare benefit advice to maximise income and support housing affordability
• negotiations with lenders and landlords
• submissions to court and supporting representation where available
• advice confirmed in writing (both direct client cases and second tier)

• NOT a service to be used directly by the public
– however once referred
• direct c/w with the client
• For initial advice or to make a referral call the NHAS consultancy line on 0300 330
0517, Monday to Friday between 9am –
8pm, or log on to www.nhas.org.uk

Training Service
• National programme;
– delivered at regional venues
– in-house (off the peg) to your organisation
– Half day briefings
• Developing legal knowledge and practical skills
• Flexible approach to learning; face-to-face courses/ on line bite-size/self study packs/webinars
• Booking/course information – www.NHAS.org.uk

Our free webinars have been developed to provide you with the opportunity to learn and share best-practice initiatives, and keep up to date with legislation and policy
• Non Priority Clients: Assistance and Prevention
– What’s happening in your area?
• Preventing Mortgage Repossessions
• Spare Room Subsidy
• Student Advice on Tenancy Deposits
• General Tenancy Deposits

• AST - Section 21
– 09/02/2015 11.30 – 12.45
– 30/03/2015 11.30 – 12.45
• Advising & Assisting Non Priority Clients: What's happening in your area
–
19/02/2015 11.30 – 12.45
– 18/03/2015 11.30 – 12.45
• General Tenancy Deposits
– 27/03/2015 11.30 – 12.45
• Persons from Abroad
– 26/03/2015 11.30 – 12.45

• Preventing Mortgage Repossession Webinar:
• Mid to late January 2015
• This webinar is a free 75 min introductory session on what happens to a home owner once a lender has started possession proceedings. It looks at the requirements of the pre-action protocol, forbearance options, county court possession hearings and other options available to home owners, including assisted voluntary sale and possession warrants.
• Book your place by emailing nhaswebinars@shelter.org.uk

• Improved Website:
• Information: Housing Matters ; articles in The Adviser; e-bulletins; fact sheets; leaflets; posters; podcasts
• Good Practice Guide
– ex-service personnel guide
– Supporting people to exit home ownership through a voluntary or assisted voluntary sale

• Other DCLG funded partners
– Bi-monthly meetings with
• Crisis
• Homeless Link
• NPSS
(National Practitioner Support Service)
• Women’s Aid

• Housing Debt casework (HDC)
• Consultancy Line extended hours 9am – 8pm
• Improved website
• Webinar courses
• Podcasts
• Improving Outcomes for Young People website
• Local Authorities Gold Standard

A comprehensive online resource for all professionals working with young people

youngpeopleoutcomes.shelter.org.uk
• Housing services from local authorities
• Emergency housing options
• Tenancy rights
• Benefits and money
• Education and employment
• Family and health

2 x dedicated Partnership Managers
Partnership Manager Anne Limbert
Anne_Limbert@shelter.org.uk
Partnership Manager – Vicky Hines
Vicky_Hines@shelter.org.uk