Thomas Cook Prepaid Cards - WSFx

Thomas Cook Prepaid Cards are reloadable travel prepaid cards for cashless and worry-free travel - be it for business or for leisure. The prepaid card is an ideal travel partner and a welcome, safe and simple alternative to carrying currencies in cash.

Thomas Cook today has 2 different cards to offer

The Borderless Prepaid Card & the One Currency Card

Borderless

Prepaid card

The Borderless Prepaid Multicurrency Card is a unique smart multi-currency card enabling the cardholder to use the appropriate currency loaded on the card – based on the country being visited. As of today, 10 currencies can be loaded on the same.

The ten currencies include:
  • US Dollar
  • Great Britain Pound
  • Australian Dollar
  • Canadian Dollar
  • Emirates Dirham
  • Euro
  • Japanese Yen
  • Swiss Franc
  • Singapore Dollar
  • Thai Baht
Prepaid Card
One

Currency Card

The One Currency Card is a single currency US dollar denominated pre-loaded card. Thomas Cook is the only non-banking entity, and the first in India with this unique card, offering zero cross currency conversion charges, across the world.

Prepaid Card

Benefits of Thomas Cook Cards

  • Withdraw local Currency from over 2 million Mastercard ATMs worldwide
  • Welcomed online and at over 35 million Mastercard merchants worldwide, with no transaction fee.
  • No bank account required.
  • Quick and simple to buy and to reload.
  • Use unspent funds on your next trip, withdraw the funds at an ATM abroad, or cash out your Card.
  • Manage your Card easily online.
  • Prepayment helps you keep to your spending plans.
Simple
  • Add up to ten Currencies on the same Card – USD, GBP, EUR, CAD, AUD, JPY, SGD, CHF, AED and THB.
  • Avoid currency fluctuations by loading funds in advance.
  • Load your Card as often as you like.
Smart
  • Chip and PIN protected.
  • 24/7 Global Emergency Assistance.
  • Emergency cash, up to your available Card balance, subject to availability.
Secure

Know more

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FAQ

Your Thomas Cook Prepaid Travel Card will generally be activated within twenty-four (24) business hours of purchase or as advised by the Purchase Location. You can use your Multicurrency Thomas Cook Prepaid Travel Card worldwide, at ATMs displaying the Mastercard Acceptance Mark, as well as Mastercard merchants, including shops, restaurants and online. Just enter your PIN or sign, as requested by the merchant. If an ATM asks you to choose an account or card type, it is suggested you choose the "Credit" option.

With a Thomas Cook Prepaid Travel Card you do not need to worry about bank opening hours or lengthy queues to access your funds whilst travelling.

Due to FEMA regulations, the Thomas Cook Prepaid Travel Card cannot be used at ATMs or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan. In addition, the card is also unable to be used in countries subject to economic sanctions, including: Afghanistan, Bosnia and Herzegovina, Democratic People’s Republic of Korea (DPRK) – North Korea, Guyana, Iran, Iraq, Lao PDR, Libya, Pakistan, Syria, Uganda, Vanuatu, Yemen. The list of sanctioned countries is subject to change from time to time.

The Thomas Cook Prepaid Travel Card is chip and PIN protected.To reduce the threat of fraud, your Thomas Cook Prepaid Travel Card is completely separate from your bank account. For even more security, all Thomas Cook Prepaid Travel Cards are insured under the ICICI Lombard Insurance against frauds.

Thomas Cook Prepaid Travel Card is a convenient and safe way of carrying your travel money overseas, offering all the peace of mind and security of traditional travelers cheques, and the convenience of cash, worldwide.

Pre-loading your Thomas Cook Prepaid Travel Card gives you more control of your travel budget than a standard debit or credit card and with fixed ATM fees and no transaction fees on purchases, it's easier to manage your overseas spending.

Due to FEMA regulations, the Thomas Cook Prepaid Travel Card cannot be used at ATMs or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan.

In addition, the card is also unable to be used in countries subject to economic sanctions, including: Afghanistan, Bosnia and Herzegovina, Democratic People’s Republic of Korea (DPRK) – North Korea, Guyana, Iran, Iraq, Lao PDR, Libya, Pakistan, Syria, Uganda, Vanuatu, Yemen. The list of sanctioned countries is subject to change from time to time.

Fees Applicable on Borderless Prepaid Card

Currency ATM Cash Withdrawal Balance Enquiry Fee
US Dollar (USD) USD 2.00 USD 0.50
British Pound (GBP) GBP 1.50 GBP 0.50
Euro (EUR) EUR 1.50 EUR 0.50
Swiss Franc (CHF) CHF 2.50 CHF 0.60
Canadian Dollor (CAD) CAD 2.50 CAD 0.50
Australian Dollor (AUD) AUD 2.50 AUD 0.50
Japanese Yen (JPY) JPY 250.00 JPY 60.00
Singapore Dollor (SGD) SGD 3.25 SGD 0.75
United Arab Emirates Dirham (AED) AED 7.00 AED 1.00
Thai Baht (THB) THB 80.00 THB 25.00
Cash Over The Counter 1.75% of the Transaction value
Inactivity Fees (debited from your card if it remains unused for 6 months) USD 6.99

Fees Applicable on One Currency Card

Currency ATM Cash Withdrawal Balance Enquiry Fee
US Dollar (USD) USD 4.99 USD 0.50
Cash Over The Counter 1.75% of the Transaction value
Inactivity Fees (debited from your card if it remains unused for 6 months) USD 6.99

Taxes as applicable from time to time, shall be levied on all fees.

A Thomas Cook Prepaid Travel Card purchased in India can be loaded with one or more of the up to ten Currencies available on your Card: USD, GBP, EUR, CAD, AUD, JPY, SGD, CHF, AED and THB.

Whereas a Thomas Cook One Currency Card purchased in India can be loaded with only USD and can be used across the globe with zero cross conversion fees.

All loads and reloads are subject to the sole discretion of the Card issuer and/or its authorized agents and as per FEMA regulations as applicable from time to time.

Your Thomas Cook Prepaid Travel Card can be used to withdraw local currency from 1.9 million ATMs worldwide displaying the Mastercard® Acceptance Mark.

To check their location, visit the following link https://www.mastercard.co.in/en-in/personal/get-support/find-nearest-atm.html

You can also use your Card to pay directly for goods or services online and in store, wherever Mastercard is accepted.

Please Note: It is currently not possible to use your Prepaid Travel Card in a number of countries. If you attempt to withdraw cash from an ATM or use your Card at merchants in any of these countries, your request will be declined.

The countries currently affected by sanctions are (the list of sanctioned countries is subject to change from time to time):

Cuba, Iran, North Korea, Sudan and Syria

Due to FEMA regulations, the Thomas Cook Prepaid Travel Card cannot be used at ATMs or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan. In addition, the card is also unable to be used in countries subject to economic sanctions, including: Afghanistan, Bosnia and Herzegovina, Democratic People’s Republic of Korea (DPRK) – North Korea, Guyana, Iran, Iraq, Lao PDR, Libya, Pakistan, Syria, Uganda, Vanuatu, Yemen. The list of sanctioned countries is subject to change from time to time.

The great flexibility and added functionality of Thomas Cook Prepaid Travel Card means that as long as you have more than one Currency loaded, the Card will automatically select the next available Currency, in the following order; USD, GBP, EUR, CAD, AUD, JPY, SGD, CHF, AED and THB. The search will automatically begin from USD.

If you do not have the currency of the country you are visiting on your Card at all (or not enough to cover the cost of a purchase), you can still use it to make a payment. The Currency (-ies) of the Card will automatically be converted into Local Currency, in the order described above. It is possible for a transaction to be funded from multiple Currencies (this process will occur automatically by drawing funds from the Currencies loaded on your Card in the above default order, until the total amount of the transaction is satisfied).

For example, if you have the following Currencies and amounts loaded onto your Card; GBP 250, EUR 10, and AUD 100, you are in France and want to make a purchase for EUR 20, the Card will automatically check the Currencies on the Card, starting at EUR (being the relevant Local Currency) and then GBP, from which to fulfill the remaining EUR 10, in order to authorize the transaction. If EUR aren't available, the Card will move along the list until it finds an available Currency from which to deduct payment. You do not need to have the total amount required for the transaction in a single Currency, as long as the total amount of all your converted Currency balances is greater than the relevant transaction amount.

Please note that any transactions in a currency other than a Currency loaded on the Card will be exchanged to the relevant Currency/ies on the Card at an exchange rate determined by Mastercard on the day the transaction is processed plus a Currency Conversion Fee as set out in the Table of Fees and Limits.

You can use your Thomas Cook Prepaid Travel Card to shop online (within the limits and restrictions of your Card) at any merchant that accepts Mastercard cards. By using your Thomas Cook Prepaid Travel Card in the currency that the online site trades in, you know exactly what your purchase will cost and you won't be stung by unknown exchange rate fees, unlike when you use your domestic credit or debit card. For your security, you may be asked to provide the security code that's printed on the signature strip on the back of the Card.

Thomas Cook Prepaid Travel Card may not be used for money transfers or for accessing or purchasing goods from adult or gambling internet sites and must not be used for any unlawful activity. You must comply with all laws and regulations (including any foreign exchange controls), in respect of the Card in India and in the country of use.

Due to FEMA regulations, the Thomas Cook Prepaid Travel Card cannot be used at ATMs or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan. In addition, the card is also unable to be used in countries subject to economic sanctions, including: Afghanistan, Bosnia and Herzegovina, Democratic People’s Republic of Korea (DPRK) – North Korea, Guyana, Iran, Iraq, Lao PDR, Libya, Pakistan, Syria, Uganda, Vanuatu, Yemen. The list of sanctioned countries is subject to change from time to time.

For peace of mind on your holiday, you may purchase an Additional Card and use it as a backup. Please see the Terms and Conditions for more information.

You can simply change the PIN by registering your card on www.borderlessprepaid.com

By registering your Thomas Cook Prepaid Travel Card you can check your balance, review your transaction history, change your PIN, view or download statement and also raise a query.

Every transaction done on your card is followed with an alert on your registered e-mail and mobile phone. Moreover you can also register yourself on https://www.borderlessprepaid.com/ or download our Mobile App on Android or AppStore to view the transactions

If you have any queries about your Thomas Cook Prepaid Travel Card balance or you notice a Card transaction that you do not recognize, please notify the 24 hour Card Services team as soon as possible and in any event within thirty (30) days of the transaction debit date. We will be happy to check and confirm the transaction details for you.

If there is a transaction which is not correct, Card Services can start the dispute process on your behalf and may request you to provide additional written information concerning any unrecognized transaction, or to complete a dispute form. Please help them to help you by providing as much information as you can.

It is recommended that you check your transaction history and Card balance at least once a month.

Details of how to contact the 24/7 Card Services team is available below.

For Card queries

Country Dialed Digits
Australia 0011 800 9920 9920
Brazil 0021 800 9920 9920
Brazil Mobile 0021 800 9920 9920
China 00 800 9920 9920
Czech Republic 00 800 9920 9920
Denmark 00 800 9920 9920
France 00 800 9920 9920
Germany 00 800 9920 9920
Hong Kong 001 800 9920 9920
Hungary 00 800 9920 9920
Italy 00 800 9920 9920
India 1800 270 9920
Japan 010 800 9920 9920
Malaysia 00 800 9920 9920
New Zealand 00 800 9920 9920
Russia 810 800 9920 9920
Singapore 001 800 9920 9920
Spain 00 800 9920 9920
Spain Mobile 00 800 9920 9920
Switzerland 00 800 9920 9920
Thailand 001 800 9920 9920
UK 00 800 9920 9920
USA 011 800 9920 9920
South Africa 09 800 9920 9920
South Korea 001 or 002 800 9920 9920

Your Thomas Cook Prepaid Travel Card should work in any ATM displaying the Mastercard Acceptance Mark. If after several attempts to withdraw cash at an ATM, your Card still doesn't work, you can get 24/7 help from Card Services, via the Global Emergency Assistance numbers.

Please note; if an ATM screen prompts you to choose 'which account?' it is recommended that you choose the 'Credit' option.

You can only withdraw cash from an ATM up to the available balance on your Thomas Cook Prepaid Travel Card (including any applicable fees) and if the amount is within the ATM's issuing limit.

Surcharge is an extra fee levied by the ATM operator over and above the withdrawal fee charged by the issuer on a withdrawal transaction. The fee is determined and charged by the ATM operator and is not retained by us.

All point Network is the largest surcharge-free ATM network with more than 55,000 ATMs in leading national and regional merchant locations across the United States, Canada, Mexico, United Kingdom and Australia. Thomas Cook is the only issuer to have such a tie up across India. All point ATMs can be located by using the below link. http://www.allpointnetwork.com/

In some countries, you may be asked for a six digit PIN, when using an ATM. However, Thomas Cook Prepaid Travel Card uses a standard four digit PIN, which will still be accepted if the ATM has been set up correctly in compliance with Mastercard requirements.

If you need assistance with any PIN issues, please call Card Services.

You must contact us as soon as possible. 24/7 Global Emergency Assistance will get you back in control of your money. Instructions are available above.

This should only happen when you don't have enough money on the Card to cover the purchase (though you can always use the total balance on your Thomas Cook Prepaid Travel Card to make a partial payment, if the merchant supports it).

Be aware that some merchants, such as restaurants and car hire companies, may require the Card to have an available (total) balance greater than the purchase amount, before they will authorize the payment.

It is not recommended to use your Thomas Cook Prepaid Travel Card as a guarantee of payment for hotels, car hire, etc. These companies may estimate your bill, and if you use your Card as a guarantee for the estimated amount, the funds will be temporarily unavailable to access or spend. You can of course use your Thomas Cook Prepaid Travel Card to settle your final bill.

Dynamic Currency Conversion (DCC) is an optional service that is sometimes offered by retailers and ATM operators abroad, giving cardholders the choice of paying in either the currency of the country they are visiting or their own domestic currency, i.e. Indian Rupees. You should not make a purchase or ATM withdrawal in Indian Rupees (as you are prohibited from doing so by law) and you should instead choose to pay in the local currency. Please note that there will be an additional cost if the merchant transaction or ATM withdrawal is in a currency other than a Currency on the Card, or where you do not have sufficient funds on the Card in the relevant Currency, and you should refer to the Table of Fees and Limits for further information.

No, cash back is not available on the Thomas Cook Prepaid Travel Card.

You can either transfer any remaining funds to a new Card or cash out the balance and close your Thomas Cook Prepaid Travel Card. To cash out and close your Card, you can visit your nearest Thomas cook branch across India.

Thomas Cook (India) Limited ("Thomas Cook") confirms that it is engaged in providing Borderless Prepaid Card (BPC) to customers buying Forex from them during their travel abroad (“Cardholders”).

For Card queries

Nature of coverage Sum Insured Deductible Time Excess
Accidental Death and Disability (Common Carrier) INR 10,00,000 (A) Nil Nil
Missing of Connecting International Flight During USD 300 (B) Nil 6 Hours
Transit
Loss of Passport and Travel Related Documents USD 500 (C) Nil Nil
Delay of Checked in Baggage USD 100 (D) Nil 6 Hours
Lost Card Liability USD 10,000 (E) Nil Nil

For more details on the insurance Click here

If you are not planning to travel again soon, you can withdraw your remaining balance, whilst outside India, from an ATM displaying the Mastercard Acceptance Mark (assuming it is within the ATM's withdrawal limits). Alternatively, you can take your Card back to the Thomas Cook (India) Ltd. branch or its authorized agent where you bought the Card and they will refund you the balance. A fee will be charged for this service (please refer to your Terms and Conditions for more information).