Immediate access to your funds
Transactions are debited directly to your account, with full narrative appearing on your regular bank statements. Provided sufficient funds are held in the account, the VISA Gold Debit Card entitles the holder to:

•  Withdraw up to £500 in local currency in any 24 hour period from banks or cash machines worldwide that display the VISA symbol.
•  Pay for goods and services up to the value of £3,500 per day from retailers and suppliers (there is an hourly limit of £1,500)worldwide who display the VISA symbol.

Making purchases
Whether you are making purchases on the Internet, at home or abroad; from department stores, hotels or restaurants; the VISA Gold Debit Card is the easy way to pay. Any outlet displaying the VISA symbol will accept the card as payment. Over 20 million locations around the world welcome your VISA Gold Debit Card.
It is just like paying by credit card, except that payment is debited directly from your account so there is no monthly bill to settle and no annual fee. Payments will simply be debited from your account as soon as we receive the details, normally within a few days.

Withdrawing cash in the British Isles, Portugal & Spain
You can withdraw cash from automatic cash machines (ATMs), or over the counter at the many High Street banks which display the VISA symbol. Close Wealth Management Group make no charge for Sterling withdrawals from cash machines in the British Isles and Gibraltar using your Sterling card and Euros in Portugal or Spain.

Chipped Debit Cards from VISA
The latest chip technology means that in conjunction with VISA our Visa Gold Debit Card will be safer and transaction times will be quicker. All VISA chip cards, card terminals and cash machines are based on a global industry standard, so you can use them wherever you are. In some countries, you will be asked for your PIN (personal identification number) instead of a signature to confirm your identity. You simply enter your PIN into the card terminal's key pad, just as at a cash machine.

‘Verified by Visa’
‘Verified by Visa’ is a service offering added online protection against unauthorized use of your Visa card. During checkout at a participating online merchant, you will be asked to register by simply setting-up a password before completing your online transaction.
This is a one-off registration process and, after you’ve chosen your password, all future purchases at all participating merchants will be completed with added security.

Lost or stolen cards
If your card is lost or stolen, it should immediately be reported to us using the dedicated Close Gold Card 24 hour Activation Line +44 (0) 1481 703554, available 24 hours a day, 7 days a week. We will arrange for a new card and a new PIN to be issued as soon as possible.

Joint Accounts
We will be pleased to issue separate cards to all signatories with individual signing rights on a joint account and each card will be subject to minimum account balance requirements. However, it is not possible for us to issue cards to joint account holders who operate their account on a ‘both to sign’ basis. If this applies to you, you may wish to review the basis on which you operate your account in view of the benefits of the VISA Gold Debit Card.

How to apply