Your Questions Answered

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.

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 same day/next day Faster Payments from any UK bank account. You can also deposit cash at the Post Office or any Barclays high street branch.

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 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 Wirecard Card Solutions 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.

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. There's a maximum daily limit of £2,000 from cash machines (ATMs).

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. Again, there's a maximum withdrawal limit of £2,000 per day.

Retailers who offer a cashback service can also provide you with cash - up to their own limits.

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 and cancel Direct Debits 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 banks only accept BACS payments. These take 3 working days.

How do I deposit cash or cheques?

To deposit cash or a cheque into your account, you'll need to complete a bank giro form provided by Fair Everywhere and make the deposit at any Barclays branch.

Please check our terms and conditions for our cheque clearing rules. We don't accept cheques payable to a third party and endorsed in your favour. You can use our giro forms to make cash deposits at any Post Office.

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 to 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.