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Eligibility & Membership
Caxton Insider is an invite-only membership, automatically applied to selected Caxton Card customers. Eligibility is determined solely by Caxton, and invitations are non-transferable.

Membership Benefits
Members receive exclusive benefits, including increased load and withdrawal limits, no dormancy fees, free replacement cards, and early access to promotions. Benefits are subject to change at Caxton’s discretion.

Fees & Charges
There is no additional cost for eligible customers. For ease, the fees that explicitly apply to Caxton Insiders are shown in the table below

FEES & CHARGES	GBP
Card purchase and Annual Fee	Free
Secondary Card purchase (applied to the card balance)	5.00
Load and reload	Free
Point of sale Transaction - international	Free
Point of sale Transaction - domestic	Free
ATM Transaction - international	Free
ATM Transaction - domestic	1.50
Over the counter cash - international	4.50 plus 2% of withdrawal amount
Over the counter cash - domestic	4.50 plus 2% of withdrawal amount
FX mark-up where a Transaction is performed in a currency different from the currencies available on the card	2.49%
Available balance enquiry - ATM	0.3
Available balance enquiry - online	Free
PIN reminder*	Free
Card renewal	Free
Card replacement fee - damaged/lost/stolen	Free
Redemption processing fee	Free
Account Management fee (applied every month if there have been no transactions, card loads or balance switches, in the previous 12 months)	Free

*PIN reminder is available online on Your account or on the app. If You change Your PIN at an ATM, Your online account and app will still show the new PIN.

Limits	GBP
Minimum load	50
Maximum single load	15,000.00
Maximum total available balance	15,000.00
Maximum number of loads per day	2
Maximum load amount per year	100,000.00
Maximum number of point of sale Transactions per 24-hour period	20
Maximum number of ATM withdrawals per 24-hour period	4
Maximum value of single ATM withdrawal	600
Maximum withdrawal amount in 24 hours at ATM	2,400

Changes & Termination
Caxton reserves the right to modify or withdraw the Caxton Insider membership or benefits at any time without prior notice. Membership may be revoked at Caxton’s discretion.

General
Caxton Insider is governed by the standard Caxton Card terms and conditions. Continued use of the card constitutes acceptance of these supplementary terms.