FAQs

Ukash has been designed for people who want to use cash rather than a card when buying goods and services on the internet. Spending Ukash is like spending cash. You don’t need to be a certain age. You don’t need to register. And there’s no chance of anyone accessing your financial details.

We are a forward-thinking group of people who know cash is indispensable and have created a widely available and easy way to pay online with cash. We’re UK-based in the City of London and have been operating since 2001.

Smart Voucher Ltd. (of which Ukash is a trading name) is authorised and regulated by the Financial Services Authority in the United Kingdom as an electronic money institution. Ukash is currently available in  Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Hungary, Ireland, Italy, Latvia, Netherlands, Norway, Portugal, Poland, Slovakia, Spain, Sweden and the UK.

They don’t need a card, bank account, to be a certain age or to register. They don’t have to give any financial details if and their purchases remain anonymous. Ukash is easily available from many local shops, banks or you can even get Ukash using online banking. Getting and spending Ukash is almost instant – there’s no waiting.

Getting Ukash is instant – there’s no waiting for cards to arrive or lengthy registration.  Spending Ukash is just like spending cash – safe, quick and easy. Plus, you can even get change if you spend less than your Ukash value.

To get Ukash in Finland you can pay in cash at a local bank branch or use your online banking.  You don’t need to have a bank account but you will need an email address or mobile number. If you have a bank account but don’t want to give your details online you can make a bank transfer, either at your bank on using your online banking service.

Once you have paid your cash or transferred your funds you will then receive an email or SMS message with a unique and secure 19-digit Ukash voucher number.  You just use this voucher number when asked to pay at any of the hundreds of websites that accept Ukash.

Click here for easy to follow instructions on how to get Ukash.  And it’s free of any charges or fees, unlike some other prepaid cards.

No. To get Ukash in Finland you can pay in cash at a local bank branch.  You don’t need to have a bank account but you will need an email address or mobile number.

Once you have paid your cash or transferred your funds you will then receive an email or SMS message with a unique and secure 19-digit Ukash voucher number.  You just use this voucher number when asked to pay at any of the hundreds of websites that accept Ukash.

Click here for easy to follow instructions on how to get Ukash.  And it’s free of any charges or fees, unlike some other prepaid cards.

You can use your online banking.  Just click here for easy to follow instructions on how to get Ukash.  And it’s free of any charges or fees, unlike some other prepaid cards.

You can get Ukash in values from 15.00EUR to 750.00EUR.

You will receive your reference number when you complete the online order form to get Ukash. You will need to quote this number when getting your Ukash from a local bank or when you transfer funds from your online banking service.

You can get a paying-in slip at a bank. This is used together with your cash to get your Ukash. You will need to enter the details sent to your mobile or email address, including your reference number.

You can get Ukash at a local bank branch or use your online banking.

Get Ukash online now

You can receive your 19 digit Ukash number direct to your mobile or email address.

If you want to use your mobile then you will need a Finnish mobile number staring with +358.

To receive your 19 digit Ukash number direct to your mobile you will need a Finnish mobile number staring with +358.

It can take up to 120 hours for your voucher to be delivered, depending upon the country that you are in, the bank you have used and whether your funds have cleared if you are transferring online.

If you use our partner Skandinaviska Enskilda Banken then you will get your Ukash faster.

You can find links to the ever-increasing number of websites accepting Ukash for payment at Where to Spend: UK, Spanish and German sites.

Anybody can use Ukash in Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Hungary, Ireland, Italy, Latvia, Netherlands, Norway, Portugal, Poland, Slovakia, Spain, Sweden and the UK.

Keep coming back as Ukash will be accepted in many more countries soon. There are no age restrictions, and you don’t need to provide any financial information or undergo credit checks.

No. Please note that some websites may require you to register with them to use their services.

You will need to provide either your mobile number or email address.  These will be used to send you your reference number that you will need to keep safe to quote when getting Ukash at a local bank or when you use your online banking. Once you have paid with cash or transferred your funds you will receive your Ukash direct to your mobile or email address.

You do not need to register or provide any financial details as Ukash is not a bank account or credit card.

No. You can spend your exact Ukash value – there are no Ukash charges or fees deducted. However you may incur bank charges which are your sole responsibility. Ukash is like paying online with cash.

No. Ukash is not a bank account - it’s a convenient way to pay with cash online.

You’ll only need to supply an email address or mobile number to receive your Ukash or for a change voucher. The site where you’re spending Ukash may ask you for some delivery information (if applicable) and you may have to prove your age where the services are supplied to adults only.

Ukash is regulated by the Financial Services Authority and seeks only to deal with reputable web sites operating legally and ethically. Ukash has partnerships in place with age and identity verification companies which we can introduce to our merchant partners if they lack this functionality on their site.

Please let us know of any web site accepting Ukash that doesn’t undertake these checks effectively, even though they are legally asked to do so. Please email us.

Only if you give them the unique 19 digit number and value of your Ukash. Ukash is not for resale but you may choose to offer Ukash as a gift instead of giving cash. Never get Ukash from any unauthorised seller. If you’ve any questions, please email us.

Yes. Your Ukash is valid for 12 months from the date you got it.

Check the expiry date and that you’re using the correct 19 digit Ukash number. Also, make sure that the amount of Ukash covers the cost of your purchase. If all these things are correct and your Ukash is still rejected, please email us.

You can spend as many vouchers as you like, but each transaction is limited to a maximum value of 750.00EUR and minimum of 15.00EUR.

You can purchase up to five vouchers at one time.

Smart Voucher Ltd. (of which Ukash is a trading name) is authorised and regulated by the Financial Services Authority in the United Kingdom as an electronic money institution. Smart Voucher Ltd (trading as Ukash) FSA Register Number: 447811.

Yes. If the value of your transaction is less than your Ukash value, you’ll receive a new Ukash number, value and expiry date. Please print this or have it emailed to you and keep it safe. Remember: Ukash is like cash – so don’t lose your Ukash.

You can combine multiple values of your Ukash into a single amount and can have your new Ukash number and value emailed to you if you want.

You can split your Ukash value into multiple values of your Ukash and can have your new Ukash number and value emailed to you if you want.

Yes, if it’s still valid and unused in part or full. Contact us with your Ukash number, Ukash value, full name, email address and a contact number. You will need to send two proofs of Identity to Ukash at:

Ukash Refunds, 5-7 Tanner Street, London, SE1 3LE, United Kingdom or fax +44 (0)207 0894 072

This element is a legal requirement under our FSA ELMI license. We can refund the money directly into your bank if you have one, or send you a cheque. Ukash will levy a £2.00 charge for Cheque payments and a £4.00 charge for wire transfers, or the equivalent in the respective currency, in accordance with the Ukash Consumer Terms and Conditions. Please refer to www.ukash.com to view the Consumer Terms and Conditions.

Ukash is an independent payment method and has no affect on the retailer’s terms and conditions or your statutory rights.

Complete the easy to use form at Contact us.