Card Usage

Your T24 BlackShield VISA Prepaid card works just like a regular VISA card


Use anywhere in the world where the VISA Acceptance Mark is displayed

Withdraw cash at any VISA-enabled ATM

Change your PIN in any VISA-enabled ATM that has PIN change capabilities

Swipe your card in any VISA-enabled POS machine and enter your PIN

Shop online using your T24 BlackShield Card and enter your 3D security code for online verification

Your T24 BlackShield Card automatically converts to any currency based on where you are

Account Management

The transactions on your T24 BlackShield card happen in real time and allow you to have full financial control over your spending. Enjoy.


Real time online statements

Check your Balance through these options; Online ATM, IVR or SMS

Track your expenses

No overdrafts or overdraft fees

In order to qualify for a T24 BlackShield Prepaid card, you are not reqired to:

Have a bank account

Undergo any credit checks

SMS Functionality

You can now get several T24 BlackShield services delivered straight to your phone. Simply SMS +44 (0)7797 800 035 and enter one of these commands:

Function Instruction Example
The card balance TRA BAL ACCESSCODE [LAST 4 OF CARD] TRA BAL 123456 1111
Last 3 transactions TRA TXN ACCESSCODE [LAST 4 OF CARD] TRA TXN 123456 1111
Stop notification TRA STOP [LAST 4 OF CARD] TRA STOP 1111
Stop all notifications TRA STOP ALL [LAST 4 OF CARD] TRA STOP ALL 1111

Card Security

The T24 BlackShield Card has several safety features integrated on the card. The T24 BlackShield Card has several security features integrated on the card to protect both the cardholders and vendors from fraud and unauthorised card usage. These security features include:


Chip with encrypted PIN

The T24 BlackShield Card must be used at a PIN-enabled terminal and your personal PIN code is used to authorise any transaction

Flat numbers/Indent

The T24 BlackShield Card does not have raised numbers. This protects against the possibility of the card being copied in a Zip Zap machine

3D Secure Verified by VISA

With Verified by VISA, you're protected whenever you make an online payment with your VISA card at more than 300,000 websites across Europe


You must sign your card on the back when you receive it. A T24 BlackShield Card is not valid unless signed


The CVV number is used to authenticate online transactions and is there for your security

Electronic Use Only

The T24 BlackShield Card cannot be used if the Merchant is unable to verify that the funds are available on the card. This will safeguard you from any unauthorised usage.

VISA hologram

The VISA dove hologram glimmers in different angles. Check the hologram if you suspect that the card you are holding might be fraudulent

Card Fee Highlights

This Fee Summary shows you the main fees and limits of the T24 BlackShield Card. Download a full Fee Schedule or complete the Terms and Conditions

Activation Fee Free
Get PIN/PIN Change Free
Card to Card transfer (by SMS or Website) 2
Bank/Telegraphic Transfer (TT) load 2
Maximum Load Per Transaction (Bank/Telegraphic Transfer only) 20,000
Maximum Card Balance 20,000
Retail Purchase Transaction Free
Retail Transaction Refund Free
Declined Transaction Fee Free
Maximum POS & Online Daily Spend 10,000
ATM Withdrawal Domestic - UK 1.20
ATM Withdrawal - Outside UK (of amount withdrawn) 3.00
Foreign Exchange Markup (for transactions in a currency other than USD) 2.00%



T24 BlackShield Card FAQ

How does the T24 card work?

The T24 BlackShield Card is a reloadable prepaid card that looks and functions just like any other VISA card without offering credit facility. Cards are activated, and provided a PIN, over the phone. You may use the card at any POS, online or ATM terminal displaying the VISA® trademark. In order to use the card, you must load funds onto the card. The value of a purchase is then deducted from the funds available on the card.

Does my credit rating or bank account balance matter?

No, you can apply for and obtain a T24 BlackShield Card regardless of your credit rating or bank account balance.

How do I manage my prepaid account?

The T24 online transaction platform enables cardholders to conveniently transact with and manage their card accounts from their mobile phones by simply sending SMS messages to transfer funds, load funds, checking balances, etc.

Is my account, with full transaction detail and history available for viewing?

Yes, all account and transaction information is available 24/7 online via an account management facility. You can also check your balance and three last transactions anytime via SMS.

How secure are these cards? What if a card is lost/stolen?

The cards personalised and a PIN is associated with every card. All payments are made through a secure channel. In the event that a card is lost or stolen it can be blocked immediately, locking the funds on the card, and replaced. Exposure to a loss is limited to the amount of funds that exist on the card at any point in time. To read more about the security feature, please see the section.

How does the mobile functionality work?

For full information on the SMS functionality on your T24 BlackShield Card, please see SMS functionality

Can I block a card temporarily?

Yes, you may lock a card temporarily and unlock it at your convenience using SMS. Please see the SMS section for instructions SMS functionality

When can I start using my Card?

Upon receipt of a Prepaid Card, cardholders must sign the back of the card in the box highlighted 'authorised signature' and then activate their card following the instructions provided in the welcome pack over the phone.

Is any interest earned on the prepaid account?

There is no interest accrued on the prepaid funds.

What are the fees and terms and conditions?

Read the full Terms and Conditions here: Terms and Conditions

Do the cards have an expiry date?

Yes, the T24 BlackShield Card expires after three years. If the cardholder is actively using the card, a replacement will be offered. The validity period is printed on the front of the card.

How do I get my PIN?

Your PIN is retrieved through IVR. To activate your T24 Prepaid Card, have your card and AccessCode ready. Then call +44 77978 00035 and follow the instructions.

What is the minimum balance I have to keep on the card?

There is no minimum balance requirement for the T24 BlackShield Card.

What is 3D secure?

3D Secure is a safety protocol developed by VISA to improve the security of online payments.

Why is my card declined at self-service petrol stations when I have enough money to cover the bill?

Self-service petrol stations do not have the ability to check your balance online. For your security, we cannot authorise this type of transaction.

Can I use my card overseas?

You can use your T24 BlackShield Card anywhere in the world where the VISA Acceptance Mark is displayed.

How do I log on to my account?

You can log on to your account here: Account Login

Card Services Centre:

Address: Transact24 Limited, 8A Pitmans Alley, Main Street, Gibraltar
Phone: +44 20 7281 3033