Travel Money Card

FAQs

Barclays withdrew Travel Money Cards from sale on 27 May 2011. If you have an existing Travel Money Card, we will continue to provide you with support and service until your existing card expires.

Who do I contact to discuss my Travel Money Card?

Please contact the Customer Services line on 0870 010 0059 (Outside of the UK, phone +44 1928 584421).

What happens when my card is about to expire?

We will write to you before your card expires, advising you of your options.

How can I use the remaining funds on my card?

You can continue to use your card until it expires. If you want to withdraw the funds from your card then you need to phone the Customer Services line.

What happens if my card expires and I have an unspent balance?

• If you do not choose to redeem a remaining balance up to £10 (or sterling equivalent if you hold a euro or dollar card) we will donate to charity as per the existing Terms and Conditions (Clause 12.4)
• Balances between £10 and £100 (or sterling equivalent) will be credited back to your account in sterling
• Balances of £100+ (or sterling equivalent) will also be credited back to your account, and you will receive a letter

Can I ring you after expiry to reclaim funds?

Yes, we will do our best to make an immediate refund should you contact us
 

Where can I use my Travel Money Card?

Anywhere Visa is accepted. For example, you can use the card in restaurants, shops, supermarkets, museums and online, as well as for withdrawing money from cash machines ¹  . The card can't be used for illegal transactions, gambling or purchasing fuel from automated dispensers. Other transactions may also be restricted from time to time.

How do I check my balance?

Just phone our hotline anytime, day or night. You can also check your balance free at global cash dispensers supported by Visa (you’ll need your PIN).

How do I put more money on (top up) my Travel Money Card?

Once you've received your card, you can top up as often as you like while you’re away – 24 hours a day, seven days a week – from anywhere there’s a phone connection. All you’ll need to remember is your PIN, the phone number you registered with us and your date of birth (for security purposes). You'll also need to have your UK debit card or credit card handy to pay for the top-up ² .

What currencies can I choose from?

You can load and top up your card with US dollars, euro and sterling, but you can use the card anywhere Visa is accepted. Any transactions you conduct in a different currency to what you've loaded on your card will be converted at the exchange rate used by Visa on the day it processes the transaction and deducted along with a fee of 2.75% of that amount.

What happens if my card is lost or stolen, or I think it may be fraudulently used?

You need to phone our Customer Services line as soon as possible if:

• Your card is lost or stolen
• Your card (or the numbers on it) may be misused
• You think someone else may know your PIN

We will then put a stop on your card and replace it as soon as we can with your remaining balance. The Customer Services line is open 24 hours a day, seven days a week.

You should take care to keep your card, the numbers on it and your PIN safe. If you find a card that you've reported as lost, stolen or at risk of misuse, don't use it. Cut it in half and return it to a branch as soon as possible. 

Terms & conditions

Barclays withdrew Travel Money Cards from sale on 27 May 2011. If you have an existing Travel Money Card, we will continue to provide you with support and service until your existing card expires.

Please read these terms and conditions (the 'Terms') carefully and keep a copy for your records. This agreement applies to the Barclays Travel Card (the 'Card'). It sets out the obligations we have to you and the obligations you have to us.

1. Meanings
1.1 In this agreement:
(a) 'We' or 'us' or 'our' means Barclays Bank PLC;
(b) 'You' or 'your' means the principal cardholder;
(c) 'Transaction' means both making purchases for goods or services from a retailer and cash withdrawals.
1.2 These Terms will apply between you and us in relation to the Card.
1.3    You can ask us for a copy of these Terms at any time.

2. About The Card
2.1 The Card is only available to existing Barclays Bank PLC customers.
2.2 The Card is a prepaid card and should be treated just like cash in a wallet or purse. We do not pay interest on funds stored on the Card.
2.3 The Card is not a debit or a credit or a charge card. The Card may only be used to obtain cash from cash machines or to make payments.
2.4 The Card is a Sterling or Euro or US Dollar denominated card (you must decide the currency when you purchase the card and may not change this). You may hold a maximum of one Card (not including any Cards issued to your additional Card users) in each denomination (Sterling, US Dollars, Euros).
2.5 The maximum sum which may be held on the Card at any one time is £2,500 or its equivalent (or such other maximum sum as we may set from time to time). This limit applies collectively to the Card issued to you and to any additional Cards issued on your account.  The minimum opening balance is £100. There is no minimum balance after this.
2.6 We may give you replacement Cards from time to time until this agreement ends.

3. Additional Card Users
3.1 You may request the issue of up to four additional Cards on your account in the name/s of additional Card users, who will be required to provide evidence of identity and verification acceptable to us. We may require additional Card users to be over the age of 16.
3.2 You can ask us to cancel any additional Card by telephone using the telephone number provided with the card. Unless and until you cancel any additional Card, you authorise its user to use it for transactions. Transactions may take up to 15 business days following cancellation to become apparent.
3.3 You must ensure that every additional Card user is aware of these Terms and uses the Card issued in his or her name in accordance with these terms and conditions as if 'you' referred to the additional Card user.
3.4 To avoid any doubt, no additional Card user has any rights against us except in connection with any use by us of information pursuant to condition 18 below. You must also ensure that every additional Card user consents to the use by us of his or her information in the same way as information about you under condition 18 below.
3.5 You will be responsible for all transactions made by additional Card users and for ensuring that every additional Card is used only in accordance with these terms and conditions.

4. Using The Card
4.1 You must:
(a) Sign your Card as soon as you receive it; and
(b) Follow any reasonable instructions that we give about using the Card and keeping it safe; and
4.2 Before you can use your card you must activate your Card by telephone using the telephone number provided with the card to receive your pin.
4.3 You must load or reload money onto the Card by using your Barclays Sterling debit or credit card or any other Sterling card agreed with Barclays. Amounts are converted into US Dollars or Euros at the rate of exchange used by us at the time. You can top up and reload the card at any time.
4.4 You can load and re-load the card by telephone using the telephone number provided with the card 24 hours a day, 365 days a year. You must be the principal cardholder to do this and will need your 16 digit card number, your date of birth and the pass code (usually the last four digits of your contact telephone number provided when you applied for the Card).
4.5 Money transferred to the Card will be available for use instantly.
4.6 For remote or mail order transactions, you will be required to provide the 16-digit Card number, the security number and possibly the start and/or expiry date. You can use the Card at points of sale using Chip and Pin technology where Visa Cards are accepted.
4.7 You can only make ATM withdrawals of up to £250 or its equivalent (or such other maximum sum as we may set from time to time) in one day.
4.8 We are entitled to assume we are dealing with you or an additional Card user and that you have agreed to us acting on any instructions, without getting further confirmation from you, if you or an additional Card user use your Card for a transaction, or if you reload your Card by phone, as long as any relevant security checks have been completed by us.
4.9 You may only use your Card if you have sufficient available credit to cover the value of the transaction. Available credit takes into account any outstanding transactions not yet debited. If you do not have sufficient credit on your Card to cover the value of a transaction you will still be liable to pay us the value of any outstanding transactions and charges.
4.10 You are responsible for keeping track of the balance on your Card. You can check your balance and get information about transactions and amounts loaded onto your card, charges and currency exchange rates by calling us on using the telephone number provided with the card or logging onto our website. If you ask us for information by telephone banking, we will also give you the details we provide in writing, by post or email, if you ask us to.
4.11 You must notify us as soon as possible if you think any of the transaction are wrong.

5. Security
5.1 You must do all that you reasonably can to make sure that your Card and the pin is kept secret. In particular, it is important that you follow any security instructions we give you.
5.2 You must not give anyone else your Card or any information about your Card that would enable them to use it. For example, this means you should not store information on a mobile phone, personal organiser, browser or other hardware or software that would allow anyone using the same equipment to see the stored details.  In addition you must:
(a) Try to remember your pin; and
(b) Destroy the written details we send you and never record them in a way that might be recognised by someone else.
5.3 If you think someone else may be able to use, or has used, your Card (because, for example, they have your Card, or have found out your pin), you must tell us as soon as you can by telephoning the number displayed in our branches or on your statements, or advised to you from time to time. If we ask, you must give us any information you know about the misuse of the Card and or pin. We will pass this to the police if we think that will be useful.
5.4 Use of the Card may be restricted for some transaction types, eg gambling and automated fuel dispensers.

6. Charges
6.1 We will charge 2% for a cash withdrawal using the Card, including a cash withdrawal from any ATM.  You may also be charged a fee for the use of any non-Barclays ATM; if so you will be notified on-screen of the exact amount of the charge and who is levying it.
6.2 Any transactions in a currency different from the denomination of the Card will be converted at the exchange rate used by Visa on the day it processes the transaction and deducted along with a fee of 2.75% of that amount. 

7. Actions we may take
7.1 We may stop or suspend the use of your Card, if we reasonably consider it necessary:
(a) to protect the security of the Card or pin and pass code; or
(b) because we suspect that there may be unauthorised or fraudulent use of the Card or pin and pass code.
If we do this we may require you to return the Card.
Unless the law prevents us from doing so, we will try to contact you to tell you our decision and, where possible, the reasons for it and what you can do to put right any errors in the instruction. We may do this through someone acting on our behalf, such as a retailer. We will do this at the earliest opportunity and, in the case of a payment, by the time the payment should have reached the bank you asked us to make the payment to.  You can also contact us to find out why we have refused to carry out your instruction. If it is apparent from the context that your instruction has been refused, we may not contact you but you can still ask us for details.
7.2 We can refuse to act on any instruction if we reasonably believe that:

• By carrying out the instruction we might break a law, regulation, code or other duty which applies to us; or
• You do not have enough money on your Card;
• It is necessary to protect the security of your Card;
• There may be unauthorised or fraudulent use of the Card or access code;
• The user or someone else has used or obtained, or is using or obtaining, or may use or obtain, a service or money illegally or fraudulently;
• Someone else may have rights over money on your Card (in this case we can also ask (or require you to ask) a court what to do, or do anything else we reasonably need to do to protect ourselves),

or if any other reason set out separately in this agreement applies
Unless the law prevents us from doing so, we will try to contact you to tell you our decision and, where possible, the reasons for it and what you can do to put right any errors in the instruction. We may do this through someone acting on our behalf, such as a retailer. We will do this at the earliest opportunity and, in the case of a payment, by the time the payment should have reached the bank you asked us to make the payment to.  You can also contact us to find out why we have refused to carry out your instruction. If it is apparent from the context that your instruction has been refused, we may not contact you but you can still ask us for details.
7.3 We can also refuse to act on any instruction (including a payment) or application for a card if:

• We reasonably believe that carrying out the instruction might expose us (or another Barclays Group company) to action or censure from any government, regulator or law enforcement agency; or
• It is for a payment to or from, or you are trying to make a card payment in, a limited number of countries. (We will tell you which countries if you ask us or if you try to make a card payment there.)

7.4 We use systems to identify transactions that seem unusual and help us prevent the misuse of your Card.  If we think a transaction involves misuse, we may tell the retailer to turn down the transaction or to check with us before processing the transaction.  So there might be a delay before a retailer agrees to a transaction, and it might not always be possible to make a transaction straightaway, or at all. 

• If you are thinking of making an unusual transaction, please let us know beforehand so we can try to avoid delays. 
• We may contact you about any transactions made using your Card that seem unusual. 

We will not be liable for any loss as a result of any delay or if we do not allow the transaction to be made for this reason.
Cancelling Transactions
7.5 We cannot cancel a payment once you or the User have given consent to make the payment to a retailer (you will need to contact the retailer separately if you want to cancel a payment
7.6 Unless the law prevents us from doing so or we believe it would undermine our security measures, we will try to contact you, by telephone or in writing, in advance to tell you that we will stop or suspend the use of your Card or your access code and our reason for doing so.  If we are unable to tell you in advance we will tell you as soon as possible afterwards. As the Card belongs to us, we (or a person acting for us, for example a retailer), may take or retain it on our behalf if we stop or suspend the right to use it.  If we stop or suspend your Card, you and the User must then stop using the Card.  You can call us at anytime to ask if we are able to lift the stop on the use of your Card or access code. 

8. Cancellation Rights
8.1 If you are not happy with your Card, you have a 14 day period in which to cancel it by writing to Barclays, Leicester LE87 2BB. This period begins on the date you receive your terms and conditions. If you contact us to cancel your card within this period we will refund any amount on your card (save for a fee of £5 for redemption of unspent funds as referred to at condition 12 below). If the Card has been activated, we will first hold any balance of funds for up to 15 business days from receiving the cancellation instruction to ensure that details of all spending have been received. Reimbursement will be to the debit or credit card used for the purchase. Amounts in US Dollars or Euros will be converted to Sterling at the rate of exchange used by us at the time.

9. What you must tell us/cancellation and reissue/Liability
9.1 If your Card is lost, stolen, damaged or misused or you think it might be [you must] contact us immediately with your card number and [pass code][pin].  We will [on your request] then cancel your Card and replace it with a new Card and will transfer any balance remaining to the new Card at no charge.  We will reissue only after a period of up to 15 business days following your request to ensure that we have received details of all transactions up to cancellation.
9.2 You must give any information and help we reasonably ask for to deal with misuse or unauthorised access to your Card account, or in relation to any other transaction we, the police or other authorities are investigating.  We may pass on related information to other banks, to those involved in processing card payments, or to the police or other authorities in the UK or (if appropriate) abroad.
9.3 If you find a Card which you have reported as lost, stolen or at risk of misuse, you must not use it. You must cut it in half and return it to us immediately at any Barclays branch.

10. Refunds and claims
10.1 We will refund a purchase to your Card if the retailer asks us to or if the conditions set out below are satisfied.  We may ask you to provide information (in writing or over the phone) which is reasonably necessary to investigate whether or not you are entitled to the refund.  In addition, you may also find it helpful to contact the retailer who was paid.  We will refund the payment, or we will write to inform you of our reasons for refusing the refund within ten business days of receiving the request, or of receiving any further information we have requested.  The conditions are that:
(a) the payment was made to a retailer in the 'EEA' (which includes Norway, Iceland and Liechtenstein as well as EU member states);
(b) you did not agree a specific amount when agreeing to make the payment;
(c) the payment amount turned out to be more than you could have reasonably expected in the circumstances (including in view of your previous spending patterns); and
(d) you ask us for the refund within eight weeks of the date the payment was made. 
10.2 You cannot use a claim you may have against someone else to make a claim against us.
10.3 You cannot transfer any rights against us to anyone else.

11. Set Off
11.1 We may set off and deduct any amount held on the Card against any amount you owe us under any other agreement.
11.2 We will give you advance notice before we do this unless we reasonably consider that we need to take action immediately in which case we will tell you as soon as possible afterwards.

12. Redeeming Unspent Funds
12.1 You (but not, to avoid any doubt, any third party including any additional Card user) can ask us to redeem the balance of any unspent funds on the Card on 15 business days' notice at any time while the Card is valid or within 90 days after its expiry. We will charge you a redemption fee of £5 if you do this within the first 12 months of the start date. The minimum balance which may be redeemed is £5 or the equivalent amount.
12.2 We will pay the balance of any unspent funds back to the card used for the purchase or according to your instructions at the time, on or before the business day following the expiry of the notice period in 12.1 to ensure we have received the details of all transactions. The money will be available to you the third Business Day after that. Amounts in US Dollars or Euros will be converted to Sterling at the rate of exchange used by us at the time.
12.3 If the transfer is not made correctly we will:
(a)    immediately try to trace the money (and call or write to tell you of the outcome) if you ask us to; and
(b) (unless you gave us the wrong payment details or have not told us about the problem within 13 months of the transfer) promptly refund the amount of the transfer and any charges you have to pay as a result to your Card.
12.4 If there is any balance left on the Card 90 days after the Card's expiry we will donate it to a charity selected by us.
12.5 Following the redemption of unspent funds in accordance with 12.1 above, this agreement will end (except that you will continue to owe us the amount of any outstanding transactions and charges).
12.6 If, in breach of this Agreement, you hold more than one Card in the same currency we may cancel the second or subsequent Card and reimburse its value (less a redemption fee of £5 per Card) to the card used for its purchase. Amounts in US Dollars or Euros will be converted to Sterling at the rate of exchange used by us at the time. You can find out the exchange rate at any time by calling the telephone number provided with the card. 

13. Changes to the agreement
13.1 We may change any of the terms of this agreement for any of the following reasons:
(a) where we reasonably consider that:

• The change would make the terms easier to understand or fairer to you; or
• The change would not be to your disadvantage; or

(b) to cover:

• The improvement of any service or facility we supply in connection with the account;
• The introduction of a new service or facility;
• The replacement of an existing service or facility with a new one;
• The withdrawal of a service or facility which has become obsolete, or has ceased to be widely used, or has not been used by you at any time in the previous year; or

(c) to enable us to make reasonable changes to the way we look after your accounts as a result of changes in:

• The banking or financial system;
• Technology; or
• The systems we use to run our banking business; or

(d) as a result of a regulatory requirement (or where we reasonably expect that there will be a change in a regulatory requirement).
13.2 We will communicate all changes to you at least 2 months before they come into effect. We may do this by any means we consider reasonable, including post, email or SMS message. When we tell you about a change we will tell you the date it comes into effect.  As long as notice of a change is given to you at the most recent address (or telephone number) we have for you, you will be treated as accepting the change on that date unless, before then, you tell us that you want to terminate your agreement with us and not accept the change.  We will not make any termination charge, if you terminate your agreement in this case.
13.3 You must ensure that any additional Card users are made aware of any changes we communicate to you.
Changes for specific regulatory requirements
14. Some of the terms of this agreement reflect our understanding of regulatory requirements that will not have been published when this document is printed. If we find that any term is inconsistent with a regulatory requirement which is published after this document is printed, we will not rely on that term but will treat it as if it did reflect the relevant regulatory requirement. If we need to make operational changes before we can fully comply with the new regulatory requirement, we will make those changes as soon as reasonably practicable.  We will update our terms and conditions to reflect the new regulatory requirement when they are next reprinted.

15. Our liability and your liability
15.1 Generally, if you tell us that a payment from your Card was not authorised by you, we will carry out an investigation and, as soon as we are reasonably satisfied that you did not authorise the payment, we will refund the amount deducted and will return your account to the position it would have been in if the unauthorised payment had not taken place. We will have no further liability to you.
15.2 However, you will be liable for:
(a) all payments made from your Card if you have acted fraudulently; and
(b) all payments on your account(s) that take place until you tell us (as required by condition 5.3) that your Card has been lost or your pin (or similar) have become known to someone else, if the payment was made because you deliberately or very carelessly failed to keep Card or your pin . After you have told us you will not have any further liability for unauthorised payments.
15.3 We will not be liable to you for any losses you suffer or costs you incur because:

• We do not act on a payment order for any reason specified in this agreement;
• The details contained in the payment order were not correct; or
• We cannot carry out our responsibilities under this agreement as a result of anything that we cannot reasonably control. This may include, among other things, any machine, electronic device, hardware or software failing to work or being down for a period, industrial disputes and complete or partial closure of any payment system.

15.4 Unless condition 15.2 or 15.3 applies, or a different level of liability is imposed by law, we will be liable to you for any loss, injury or damage caused to you as a result of any failure or delay in carrying out your payment order (however caused), but we will not be liable to you in any circumstances for:

• Loss of business, loss of goodwill, loss of opportunity, loss of profit; or
• Any loss to you that we could not reasonably have anticipated when you gave us an instruction under this agreement.

16. Ending this agreement
16.1 We may end this agreement by giving you written notice. We will normally give you 2 months notice unless you breach its terms.
16.2 You may end this agreement at any time by notifying us. This agreement will continue until you have made any payments due to us.
16.3 The ending of the agreement will not affect your right (if any) to redeem unspent funds in accordance with 12 above.

17. Using information about you
17.1 In order to provide you with products and services we need to collect, use, share and store personal and financial information about you (“your information”). This may include information you provide relating to your health and lifestyle. This includes information which we:

• Obtain from you or from third parties, such as employers, joint account holders, fraud prevention agencies or other organisations, when you apply for an account or any other product or service, or which you or they give to us at any other time; or
• Learn from the way you use the Card, from the transactions you make such as the date, amount, currency and the name and type of supplier (e.g. supermarket services, medical services, retail services).

17.2 Where you provide personal and financial information relating to others (e.g. dependants, joint account holders) for the purpose of opening or administering your account you confirm that you have their consent or are otherwise entitled to provide this information to us and for us to use it in accordance with this agreement.
17.3 We and other companies in the Barclays Group will use your information to manage your account(s), give you statements and provide our services, for assessment and analysis (including credit and/or behaviour scoring, market and product analysis and market research), to prevent and detect fraud, money laundering and other crime, carry out regulatory checks and meet our obligations to any relevant regulatory authority, and to develop and improve our services to you and other customers and protect our interests.
17.4 We and other members of the Barclays Group will use your information to inform you by letter, telephone, text (or similar) messages, digital television, e-mail and other electronic methods, about products and services (including those of others) which may be of interest to you. You may tell us at any time if you do not wish to receive marketing communications from us and other members of the Barclays Group by writing to us or by visiting your local branch and providing your full name, address and account details and the types of communication that you no longer wish to receive (e.g. mail, telephone or email). If you have already told us that you do not want to receive marketing communications from us there is no need to re-confirm this when you take a new product from us.
17.5 We and fraud prevention agencies will share your information. We and other organisations may access and use this information to prevent and detect fraud, money laundering and other crimes. Examples of circumstances when your information or information relating to your partner or other members of your household may be accessed and/or shared include:

• Checking details on applications for products and services;
• Managing credit and credit related accounts or facilities;
• Recovering debt;
• Checking details on proposals and claims for all types of insurance; and
• Checking details of job applicants and employees.

17.6 We do not give information about your use of the Card to credit reference agencies.
17.7 If false or inaccurate information is provided or fraud is suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. The information recorded by fraud prevention agencies may be accessed and used by organisations in the UK and in other countries. Please contact us if you want to receive details of the relevant fraud protection agencies.
17.8 We may give information about you and how you manage your account to the following:
(a) Other companies within the Barclays Group and our relationship partners.
(b) Companies and organisations who provide a service to us or are acting as our agents (including their sub-contractors), on the understanding that they will keep the information confidential.
(c) Companies and organisations that assist us in processing transactions you make (including but not limited to payment processing service providers) and in providing value added services that you have requested
(d) Your advisers (including but not limited to accountants, lawyers, financial advisers or other professional advisers) where authorised by you and to any other person notified by you as authorised to give instructions or to use the account or products or services on your behalf.
(e) In order to make or receive some payments, the details of the payment (including information relating to those involved in the payment) may be received from or sent abroad, where it could be accessible by overseas regulators and authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing us to make payments you agree to this on behalf of yourself and others involved in your payments.
(f) Anyone to whom we transfer or may transfer our rights and duties under this agreement.
(g) Any third party as a result of any restructure, sale or acquisition of any company within the Barclays Group, provided that any recipient uses your information for the same purposes as it was originally supplied to us and/or used by us.
Otherwise we will keep information about you confidential unless we have a duty to disclose it or law or regulation allows us to do so for legitimate business purposes or in connection with the use, loss, theft or possible misuse of the Card or the access code, or in order for us to meet our obligations as a member of the Visa Electron card scheme.
17.9 If we transfer your information in accordance with condition 15.9(a) to (g) to a person, office, branch or organisation located in another country, we will make sure that they agree to apply the same levels of protection as we are required to apply to your information and, where appropriate, to use your information strictly in accordance with our instructions.
17.10 We will retain information about you after the closure of your account, or if your application is declined or abandoned, for as long as permitted for legal, regulatory, fraud  and other financial crime prevention and legitimate business purposes.
17.11 You can ask for a copy of the information we hold about you by writing to us. A fee will be charged for this service.

18. Telephone Calls
18.1 We may listen into or record any phone calls with you to check we have carried out your instructions correctly, to help improve our service, to check that we comply with our regulatory requirements (being any law, regulation, code or industry guidance we have to comply with) and to help detect or prevent fraud or other crimes.

19. General
19.1 We will communicate with you in English. 
19.2 We will contact you using the contact details you give us.  Where we say we will write to you we will send you a letter, unless we are able to write to you individually in some other way (such as by email or text) and we reasonably think it is appropriate to do so. 
19.3 It is your responsibility to ensure that we have your current contact details.  Where we are required to send information to you, by law we have to send it to the most recent address we have for you. If you do not tell us promptly about any change to your details, the security of your information could be at risk and you may not receive things which could be important, including notices about changes to this agreement which affect you.
19.4 You can contact us under this agreement or for advice in writing at Barclays Cardholder Services, PO Box 175,8 Shepherd Market, Mayfair, London W1J 7JY or call us on 0870 010 0059* or +44 1604 737 561.

20. Our losses/costs
20.1 If you break any of the conditions of this agreement, we can claim from you any losses or costs that we reasonably incur as a result of your breach. These include, but are not limited to, the costs of tracing you, telling you about, and taking steps to deal with, the breach, communicating with you about the breach and enforcing payment of any amount due to us. We can claim these amounts as well as recover from you all amounts that you already owe us (such as the amount outstanding on any overdraft or Personal Reserve we have made available to you, or any charges for our services that you have not yet paid).

21. Third Party Rights
21.1 Nothing in these terms and conditions gives any third party (including any additional Card user) any benefit or right (including any enforcement right).

22. Law
22.1 Unless we have made a different agreement with you, these conditions are governed by English law. Any banking terms and conditions implied by law will also apply to our relationship with you. The law that will apply to the establishment of our relationship will be the same as the law that governs these conditions.
22.2 If we choose not to exercise rights against you immediately we can still do so later.

23. About Us
23.1 We offer electronic money, savings, insurance and other financial services to our customers. 
23.2 We are authorised and regulated by the Financial Services Authority ("FSA").  Our FSA Register number is .  To find out more, see the FSA Register: www.fsa.gov.uk/pages/register or call the FSA on 0300 500 5000. 
23.3 We are also a member of the British Bankers' Association.  Please see www.bba.org.uk to find out more. 
23.4 Barclays Bank plc (company number 1026167) is a company registered with the Registrar of Companies for England and Wales.  Registered office: 1 Churchill Place, London, E14 5HP. To find out more, see the Registrar's website, www.companieshouse.co.uk or call the Registrar on 0870 33 33 636. 

24. Complaints
24.1 We want to hear from you if you feel unhappy with the service you have received from us. Letting us know your concerns gives us the opportunity to put matters right for you and improve our service to all our customers.
You can complain in person at your branch, in writing, by email or by telephone. A leaflet detailing how we deal with complaints is available on request in any of our branches, from the Barclays Information Line on 0800 400 100* or at www.barclays.co.uk. Alternatively you can write to Barclays, Leicester LE87 2BB.
24.2 If we do not resolve your complaint internally to your satisfaction, you may be able to refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR (Tel: 08000 234 567). The Financial Ombudsman Service is an organisation set up by law to give consumers a free and independent service for resolving disputes with financial firms. Details of those who are eligible complainants can be obtained from the Financial Ombudsman Service.

25. Compensation
25.1 This Card is an e-money product and therefore the Financial Services Compensation Scheme does not apply to it.  This means that in the unlikely event that we become insolvent, the Card may become unusable and you may lose the value stored on your Card. 

The information contained in this table summarises the key product features and is not a replacement for the full terms and conditions

Barclays withdrew Travel Money Cards from sale on 27 May 2011. If you have an existing Travel Money Card, we will continue to provide you with support and service until your existing card expires.