Your Questions Answered

Your Account

Can anyone open an account?

The Fair Everywhere account is designed to help all small and medium sized businesses based in the UK. Whether you have just one employee or an entire army, Fair Everywhere will make doing business abroad, cheaper, easier and quicker for you.

How much does the account cost?

Everything we charge, and everything we don’t charge, are clearly listed here.

Can I apply if I'm a sole trader?

All sole traders, limited companies and partnerships are welcome to sign up for a Fair Everywhere account. See our terms for further details.

Can I use Direct Debits?

Yes. You can make life easier by arranging regular payments via Direct Debit. We’ll even send you a text message if you need more funds to cover your payments.

How do I pay and receive money into my account?

Funds can be paid into your account by you or a third party via regular transfer, Standing Order or Faster Payments from any UK bank account. You can also deposit cash at the Post Office or any Barclays high street branch.

How do you keep my money safe?

Your money is held as segmented funds in segregated accounts with our bankers, Barclays. That means your funds would be safeguarded in the unlikely event that Fair Everywhere were to stop trading. Similarly, any credit on your Fair Everywhere Prepaid Mastercard® card is held safely and securely for you by Fair Payments Ltd.

Can I get my funds paid into my account directly?

Yes, you can. As soon as you've opened an account, we'll send you your account number and sort code. Simply share these two numbers with anyone you'd like to pay funds into your account. To receive funds into your account from abroad, please give the sender your IBAN and Swift details. You have different IBAN and Swift details for each of your currency wallets.

How can I check my balance? Do you send paper statements?

You can check your balance any time, 24 hours a day, 7 days a week, through your online account. We don't send paper statements but you can view your statements online and print these for your records. Your statements can be displayed in a range of formats compatible with most cloud accounting software providers.

Do you have an app?

The Fair Everywhere mobile app allows you to manage your day-to-day banking easily from any mobile device. You can check your balance quickly without having to log in, view your statements, pay your bills, and receive secure messaging with push notifications for all payments in and out of your account. You can also use the app to report your card lost or stolen 24 hours a day.

Do you offer overdrafts?

The Fair Everywhere account isn't set up to offer overdrafts at this stage.

How do I pay a bill/transfer money?

You can pay bills from your account by Direct Debit or Standing Order. You can also arrange same day/next day Faster Payments through online banking, our mobile app or by calling customer services.

Direct Debits

Simply give your sort code and account number to the company you're making payments to. You can view your active Direct Debits and cancel them at any time online.

Standing Orders

To set up a Standing Order on your account, you'll need the sort code and account number of the company or individual you're paying. Sometimes you'll also need a reference number. You can set up Standing Orders online or by phoning customer services.

Electronic Bank Transfer

You can transfer funds from your account to any other UK bank account via Faster Payments*. Please see the timetable for this service below.

Same Day Faster Payments Funds will be received at the beneficiary bank
Monday to Friday before 16:30** Same day
Saturday/Sunday Monday
Next Day Faster Payments Funds will be received at the beneficiary bank
Monday to Friday before 16:30** Next business day
Saturday/Sunday Tuesday

*If you send a Same Day Faster Payment after 16:30 Monday to Friday, it will reach the recipient's bank the next day. If you send a Next Day Faster Payment after 16:30 Monday to Friday, it will reach the recipient's bank two days later.

**Please note that some accounts only accept BACS payments. These take 3 working days.

How do I deposit cash or cheques?

To deposit a cash or a cheque into your account, use the bank giro slips provided by Fair Everywhere and make the deposit at any Barclays Branch or at any Post Office (cash deposits only).

What are your call centre opening times?

  • Monday to Friday: 8.30am - 7pm
  • Saturday: 9.30am - 1pm
  • Sunday: Closed

Do I have an IBAN and SWIFT code?

You can use your IBAN (International Bank Account Number) when making or receiving international payments. It doesn't replace your sort code and account number - it's an additional number that contains extra information to help overseas banks identify your account for payments.

A SWIFT (or SWIFTBIC) code helps overseas banks identify which bank they need to send the money to. For example, if an overseas bank is sending a payment to your Fair Everywhere account, they'll need our SWIFT code.

You'll find your IBAN number and our SWIFT number displayed in the log-in area of our website. Each currency wallet has its own IBAN and swift number.

Is there a minimum limit for online payments?

The minimum amount you can send in one payment is £100 / €120 / $140.

How much can I hold in my account?

You can send and receive up to £100,000 per month in total through your Fair Everywhere account. Get in touch for pricing if you need a higher limit.

Cards

Can I get a card for all my employees?

You can link as many cards to your account as you want, and you can set user permissions at different levels of security access.

How can I take out cash?

You can withdraw cash using your card and PIN from most cash machines (ATMs) that display the Mastercard Acceptance mark.

You can also get cash over the counter at any high street bank that shows the Mastercard Acceptance mark. You just need to take some photo ID along with your Fair Everywhere card.

Retailers who offer a cashback service can also provide you with cash.

What card fees do you charge?

See details in the Summary Box here

Rewards

What is the Fair Everywhere Rewards Scheme?

The Rewards Scheme gives you up to 8% cash rewards every time you shop with your Fair Everywhere card at participating retailers across the UK. Your rewards are automatically credited to your account.

How do I join?

You don’t need to do anything to join the scheme – you are automatically entered into it and can use your card to start earning rewards at participating retailers straightaway, or as soon as your account is active.

Which retailers are in the Rewards Scheme?

There are over 50 High Street retailers including: Asda, Argos, Marks and Spencer, plus many more.

How and when do I receive my rewards?

Your rewards will be credited automatically to your account. You will receive the credit into your account in the first week of the month following 60 days after the date you make the purchase at the participating retailer.

How will I know what rewards I have earned?

You will be able to see how much you have earned via your internet banking. The amount shown on the designated screen will update automatically on each purchase made at participating retailers in the week after the transaction was made.