Vox Money is a digital account with a Visa Debit card and a dedicated sort code and account number. It offers innovative budgeting tools to make it easier for you to manage your money.
See: FAQ What do I get with Vox Money?
See: Using your Account
Vox Money offers all these features and benefits:
• Visa Debit card
• Full transactional capability including faster payments, direct debits and BACS credits
• Budget for the future with dedicated Vox Money Wallets
• Fully responsive online and mobile account management
• Pay your bills and track transactions online
• Manage your monthly payments in and out
• Transparent costs
• Clear and transparent communication on your payments
• No overdraft or credit facility
• No credit checks*
• Cashback & Rewards with major high street retailers
*All users must be over 18, subject to customer due diligence and other verification checks.
When your card arrives it will need to be unfrozen (activated). Please follow these steps either through the mobile app or on the website.
Mobile App:
1. Open the Vox Money app and login
2. Tap the ‘Manage Account’ button
3. Tap ‘Unfreeze Card’
Steps to get PIN via the app
1. Open the Vox Money app and login
2. Tap ‘Manage Account’
3. Choose ‘View PIN’
Website:
1. Log into your account on the Vox Money website
2. Click on ‘Manage Card’
3. Click ‘unfreeze card’
Your card will now be ready for use.
Steps to get PIN on website
1. Login
2. Click on ‘Manage Card’
3. Click on ‘View PIN’
Important: You must keep it secret at all times and not reveal it to anyone.
To keep your finances safe and secure we use advanced security technologies. You can also help to keep your information safe by following these guidelines:
• Protect your mobile phone – we’re all used to carrying our mobile phones everywhere we go but these days they contain lots on important information from passwords to contacts and even appointments and schedules.
Ensure your phone is protected by enabling passcode protection or biometric access using fingerprint or faceID.
• Beware of what you download – only download apps that have been approved by the App Store or Google Play store. Mobile phones are vulnerable to malware and malicious programmes, applications downloaded outside of the approved stores can contain malicious code.
• Only use the official Vox app, always download from approved app stores Google Play and Apple App store, ensure your phone is not rooted or jailbroken.
• Avoid using the app on public networks. Public networks are considered not secure, in fact most places that offer free WiFi will advise you not share sensitive information over the network which will include using your the Vox app.
Yes, there are paying in limits, usage limits and a maximum balance that you can hold on your Vox Money account. Please see the Usage Limits table below.
| VALUE OF MAXIMUM BALANCE | |
| Maximum Balance on Account | £7,500 |
| VALUE OF FASTER PAYMENTS AND DIRECT PAYMENTS | |
| Per Day | £5,000 |
| Per Month | £10,000 |
| Per Year | £60,000 |
| VALUE OF PAYING IN LIMITS | |
| Per Day | £5,000 |
| Per Month | £10,000 |
| Per Year | £60,000 |
| NUMBER OF PAYING IN TRANSACTIONS | |
| Per Day | 10 |
| Per Month | 30 |
| Per Year | 360 |
| VALUE OF CARD PURCHASES | |
| Per Day | £5,000 |
| Per Month | £7,000 |
| Per Year | £84,000 |
| NUMBER OF CARD PURCHASES | |
| Per Day | 20 |
| VALUE OF ATM WITHDRAWALS | |
| Per Day | £500 |
| Per Month | £7,000 |
| Per Year | £80,000 |
| NUMBER OF ATM WITHDRAWALS | |
| Per Day | 3 |
You can block your Vox Money Visa Debit Card from your app and online at www.voxmoney.co.uk or by contacting our customer service team.
When your card is frozen (blocked) you cannot carry out any withdrawals or purchases with your card. If you have reported your card as ‘stolen’, your account will be locked until a new card has been created. If you need help to access your money while you are waiting for your new card please contact Customer Services.
You can close your Vox Money account by emailing [email protected].
If you are moving to another account, we recommend that you transfer any money out of your Vox Money account electronically, using Faster Payment or if you have requested your new bank to switch your balance then this will be done automatically on their/your instruction.
If you have not arranged to transfer any unused money to another Vox Money account, we will arrange for the money to be transferred to your new account. For more information see Terms and Conditions >>>
Your e-money is not covered by the Financial Services Compensation Scheme (FSCS) instead the method of protecting your money is called “safeguarding”. We keep your money separate from our own money and place it in a safeguarding account with a bank.
Vox Money is an e-money account, we are not a bank and therefore:
We keep your money separate from our own money and place it in a safeguarding account with a bank. In addition to our daily checks, to ensure your funds are held correctly, we independently check that we are meeting our obligations every year.
These safeguarding rules are designed to ensure that if an e-money institution fails, your funds are protected. The protection means that if an e-money institution fails, there are sufficient funds to pay customers the money held in their e-money accounts. The only costs which can be paid out of the safeguarded account is the costs deducted by the insolvency practitioner for distributing the money to customers.
For more information about safeguarding we have included the below links which you will find useful:
Need help with your account or have a question? Take a look at our helppages for more information.
Apply via your local community group