One4All Gift Cards

edited 19 May at 11:11PM in Shop but don't drop
Stuart_WStuart_W Forumite
1.6K Posts
Part of the Furniture 1,000 Posts Name Dropper
edited 19 May at 11:11PM in Shop but don't drop
I had not quite realised how irritating these are.

The One4All gift card is a multi-retailer gift card valid in various high street shops and online. Quite heavily promoted at post offices everywhere, but also available in supermarkets etc.

Now I understand that gift cards have an expiry date - usually 12 or 24 months after purchase, or in some cases 12 or 24 months since last usage.

And I also appreciate  it's an easy and convenient way to buy a gift card locally that isn't store-specific and can seem as more of a "gift" than cash can be.

But this card is really irritating.

The small irritation - the One4All card is actually processed as a weird type of Visa prepaid card (in that it is only valid in a select number of stores). This means when using online the voucher has to cover the whole order, you can't usually use One4All gift card plus pay the rest, as you enter the One4All card as a visa payment card, not a gift voucher. It also means when using in store, it generally produces a slip to sign as it goes though as a swipe-and-sign Visa transaction (the card has no chip) and the gift card has no name or signature on it, which has been known to confuse some till staff and led to protracted discussions with supervisors and even a phone call to head office in one instance.

The big irritation - as a prepaid visa it has an expiry date shown on the front of the card. Now it would of course be perfectly reasonable, when one has received a gift card with an expiry date on it that the balance on the gift card is valid until the expiry date.
Oh, no. Not with this card. 18 months after the gift card is purchased a 90p/month fee is deducted from the card. I have a card with an expiry date of 07/24 but it started charging the 90p from last month. I only discovered this by luck after checking my balance to see if a refund had been paid back to the card.

It doesn't state this fee or expiry on the back of the card - all other store gift cards I know of refer to expiry conditions on the card. Not with this shambles. 

Luckily I found the  website and swapped my remaining balance into a proper john lewis voucher so no more 90p fees could be taken!

Anyone else been caught out with one of these? A gift card with an expiry date printed on the front should be valid for the full amount it was purchased until that expiry date in my opinion.  

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