Q: What is the difference between my 'Card Balance' and my 'Remaining Available Spend'?

CARD BALANCE shows either the total funds loaded onto your card by an administrator, OR if your card spends directly from the main account, you will see ‘This card spends from a shared balance’. REMAINING AVAILABLE SPEND is how much you can spend before hitting your daily limit. You cannot spend over this amount, even if your card balance is higher. You can check your card limits in the app .

Question 1

Are my funds safe?

Accepted Answer

All funds are held with Sutton Bank, Member FDIC which means all funds are secure and insured up to a value of USD 250,000.

Question 2

How can I apply to open a Centtrip account?

Accepted Answer

Please submit a secure, online application -

https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/ssTv2cUQS2/resources/BrMiOtdXzt/US%20application.png (US application)

Visit application.centtrip.com/usa.
Sign in or REGISTER to create an account.
Click the 'New Application' button in the top-right.
Complete the required fields and upload any acceptable supporting documentation.
Your progress can be saved to continue later if needed. Submit your application when ready.

Once submitted, your application will be reviewed and we will be in contact regarding the status, or if any additional information is required.

Question 3

What is the difference between my 'Card Balance' and my 'Remaining Available Spend'?

Accepted Answer

CARD BALANCE shows either the total funds loaded onto your card by an administrator, OR if your card spends directly from the main account, you will see ‘This card spends from a shared balance’.
REMAINING AVAILABLE SPEND is how much you can spend before hitting your daily limit. You cannot spend over this amount, even if your card balance is higher.

You can check your card limits in the app.

Question 4

How do I close a card which is no longer required?

Accepted Answer

If you are a Corporate Administrator, you can close cards directly within your account.

https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/ssTv2cUQS2/resources/ihGrqqU47X/close%20card%20US.png (close card US)

Sign into your Centtrip account
Select 'MANAGE CARDS' from the left hand menu
Use the search or filters to locate the card you wish to close
Click on the card to open the 'Card details' panel
Select 'CLOSE CARD'

Important - this cannot be undone. If unsure, we recommend locking the card.

Question 5

How many cards can I have?

Accepted Answer

There is no limit to the number of cards you can have associated to your account.

Question 6

What are your card usage fees?

Accepted Answer

Card usage fees are as follows:

Local Transactions (US):

International Transactions (Non-US):

Question 7

How do I find my nearest ATM?

Accepted Answer

To find your nearest chip-enabled ATM, we recommend using the Mastercard ATM Locator.

You can access this anytime via the Centtrip app - simply tap the app menu icon in the top right of the screen, select 'ATM Locator' and enter your location to search:

https://malcolm-en-gb.s3.eu-west-1.amazonaws.com/instances/ssTv2cUQS2/resources/xqzV7HwzfY/ATM%20Locator.png (ATM Locator.png)

Get your copy of our cardholder guide for more hints and tips.

Question 8

Is Centtrip’s corporate USD Mastercard a credit or debit card?

Accepted Answer

The Centtrip USD Mastercard is neither a credit, nor debit card. 

Centtrip cards are Corporate prepaid cards, reloadable and issued by a Federal Deposit Insurance Corporation member. Each time you use your Centtrip card, the purchase value is deducted from the funds available for the card or the associated Operating Account.

You can use your Centtrip Mastercard worldwide, online and in store. 

Question 9

How do I check my card limits in the app?

Accepted Answer

As a cardholder, you can check your cash withdrawal and card spend limits anytime using the Centtrip app, in either of the following ways.

From the app dashboard:

Sign into the app and select ‘All cards’ from the dashboard
Tap on your card to reveal additional functions
Choose ‘Card Settings’ and scroll down to view your limits

From the CARD TRANSACTIONS screen:

Access 'CARD TRANSACTIONS' from your app dashboard
Press 'BALANCE AND LIMITS' at the bottom of the screen
Tap on the 'Card Limits' tab to view

Get your copy of our cardholder guide for more helpful hints and tips on using your card and the app.

Question 10

How long does it take for Centtrip cards to arrive?

Accepted Answer

Once you have submitted your card order the cards will arrive at your designated address within 3 to 5 days.