Your Housing Perks
Payment Card.

Download the Housing Perks app from the Apple App Store or Google Play Store.

Sign up to the app and enter your mobile phone number and tenancy reference. If you're not sure what your tenancy reference is, you'll find it on your rent statement. Alternatively, you can contact your social landlord and ask for it.

Tap on your wallet in the app and complete the form.

For virtual payment cards, you'll receive your virtual payment card instantly. It can be used to pay online or over the phone by providing the long number and CVV. The card is a Visa credit card. For in-store transactions, the merchant will need to key in the card number manually instead of using contactless, chip-and-PIN or swipe methods.

The payment card is locked to specific uses, so it won't work for payments that aren't relevant. For example, the Energy Card will only work for paying for energy. Physical payment cards take up to 3 working days to arrive in the post and also work in store.

About

The Purchaser is your social landlord. These Terms are applicable when a Card has been issued to you by the Purchaser. The Card is provided by an authorised electronic money institution, referred to as the Issuer, which is regulated by the Financial Conduct Authority for issuing e-money and offering payment services in the UK. The Card functions as a debit card storing electronic money and is not a credit or charge card.

The associated Account is not a traditional bank account, and no interest is earned on the balance. Housing Perks partners with a third-party distributor for Card services. You may need to agree to additional terms set by the Distributor. The Account funds are safeguarded but are not covered by the Financial Services Compensation Scheme. Activating the Card may require identity verification. Any issues with the Card balance should be addressed directly with the Purchaser.

The Purchaser is fully responsible for purchasing and assigning the Card.

Card Overview

The Issuer provides the Card, which is linked to an Account in GBP. The Card is issued by the card issuer or Distributor. Physical cards can be used to pay for goods or services in store, online and over the phone. Virtual cards are limited to online and phone payments only. The Card is accepted at any terminal that supports the payment card's transactions. All payments and applicable fees will be deducted from the Account balance.

How to Claim Your Card

Follow prompts via text or email to access your Card through the Housing Perks app. The Purchaser sets the Card value, which cannot be altered. Cards cannot be reloaded. The link to claim your Card will expire 11 months from the purchase date, and the balance must be used within 12 months after redemption. Once the link expires, it will be removed from the Housing Perks app, and claiming the Card will no longer be possible.

Security Protocols

You must keep your Card and security details secure. Avoid recording security details in an identifiable manner. Refrain from sharing security details or allowing others access. Ensure personal devices that access the Card are secured. Choose security details that are not easily guessable. The Card may be restricted or blocked if security concerns arise, there is suspicion of unauthorised, illegal, or fraudulent use, it is required by law or court order, you request it, or you breach these Terms.

Notification will be given, if possible, when restrictions are applied unless doing so compromises security or is against the law. The Card will be reactivated as soon as the issues leading to its restriction are resolved.

Payment Authorisation

Payments can be authorised by entering a PIN or signature for in-store transactions or providing Card details and security codes for online or phone transactions. Payments will be one-time. Certain merchants may pre-authorise amounts that exceed the final charge, holding funds for up to 15 days. Ensure payment instructions are accurate; Housing Perks is not responsible for errors in your provided instructions. Payments will be declined if there is insufficient balance.

Fees and Currency Conversion

Applicable fees are detailed within the Housing Perks Dashboard. Changes to fees will be shown in the Housing Perks Dashboard. For payments in other currencies, exchange rate and associated mark-up fees will apply.

Notifications

Report any unauthorised or incorrect payments promptly and no later than 1 week after the debit date. Notify Housing Perks immediately if your Card is lost, stolen, or misused.

Handling Non-Executed or Incorrect Payments

If a payment is not executed or is incorrect, the Issuer will reimburse the amount unless it can demonstrate the payment was received by the intended recipient. Housing Perks can assist in tracing such payments upon request. Housing Perks is not liable for payments processed according to your instructions. Reasonable efforts will be made to recover incorrect payments, potentially for a fee. If recovery is unsuccessful, Housing Perks can provide relevant payment details on request.