What is Currensea?

• We are Currensea, a payment service that lets You connect Your existing Bank Account to Your Card. The Currensea platform powers a number of different Currensea Services. The specific Currensea Services available to You will be shown when You sign up to Currensea. 
• This bit is important: when You sign up to the Marriott Bonvoy Debit Card or the Marriott Bonvoy Premium Debit Card, it is not a bank account. It is a payment card and Mobile App, connected to Your Bank Account via Open Banking. You can only have one Card in Your name:
  1. Any reference in these terms or on our website to Your “Card” means Your Marriott Bonvoy Debit Card or Marriott Bonvoy Premium Debit Card issued by Currensea and governed by these Terms and Conditions (this may be a physical or virtual card depending on what You choose or is available to You when You sign up)
  2. Any reference in these terms or on our website to Your Subscription means Your Card (either the Marriott Bonvoy Debit Card or the Marriott Bonvoy Premium Debit Card) and the Mobile App
  3. Any reference in these terms or on our website to Your “Bank Account” means Your third-party issued bank account which is linked to Your Card
  4. You must have an active Direct Debit when You authorise the payment until the payment has been debited from Your linked Bank Account
  5. For other defined terms please see the glossary at the end of these T&Cs

 Who We are

• Currensea Limited (“We”, “Us”, or “Currensea”) is a company registered in England and Wales with company number 11413946 and whose registered office is at Suite 1 Amersham House, Mill Street, Berkhamsted, Hertfordshire, United Kingdom, HP4 2DT.
• We are authorised by the FCA as a Payment Institution with Firm Reference Number 843507. The head office address is at 25 Wilton Rd, Pimlico, London SW1V 1LW.
• We are also a Mastercard™ Principal Member, with Member Number 256494.

 Who You are

• Currensea requires up to date information about You, which includes Your full name, date of birth, home address, email address and mobile phone number.
• If You change Your name, move address, change Your Bank Account details or change Your contact details (including Your mobile phone number or email address), You must notify Currensea as soon as possible. We may need to carry out additional Know-Your-Customer (KYC) checks to confirm that the details and information You provided are correct. If required, We may perform a soft credit check via a credit reference agency.
• To be eligible for a personal Card, You must:
  1. Be aged 18 or over
  2. Have a valid mobile phone number
  3. Have an active current Bank Account 
  4. Be registered and have access to online or mobile banking
  5.  Be suitable for a payment card that uses a Direct Debit, and have no active CCJs

How to contact us

• You can reach Currensea by email at help.marriottbonvoy@currensea.com, via the contact form in the Mobile App, or call 020 3949 4848 (or +44 20 3949 4848 from abroad), and leave a message.

How Currensea works

• When You sign up to Currensea, You link Your Bank Account through Your bank's secure online banking platform or mobile application. We perform a check on Your linked Bank Account to ensure it meets our eligibility criteria. Once linked, You provide Us with the authority to debit Your linked Bank Account for transactions made using Your Card. By linking a Bank Account, You confirm that You have all necessary permissions and authority to do so. You acknowledge and agree that You remain personally and solely liable for all amounts due to Currensea in connection with Your use of the Card. This includes, for the avoidance of doubt, where You or any other named holder of a linked Bank Account disputes Currensea’s rights in respect of an Authorised transaction. Authorised spend using Your Authorised spend using Your Card, will be taken as consent to debit Your linked Bank Account for the GBP/£ equivalent amount, based on the applicable exchange rate.
  •    For each transaction made, We will send an email to the email address You have provided, identifying the Merchant and the amount of the transaction. Where used for Spend Abroad, the email will also show the exchange rate used and the GBP/£ amount that will be debited from Your Bank Account.
  •    You have also authorised Us to access information from Your Bank Account, based on the usage conditions in our Privacy Policy. This authorisation and Your Bank Account link is reconfirmed by You each time You access the app or use Your Card. You can update Your linked Bank Accounts via the app at any time.

Costs of using Currensea

• Currensea is a platform powering different Currensea Services. Costs for using the Card services are:
  • The Card is a subscription debit card that enables users to earn Marriott Bonvoy Points as they spend in the UK and internationally. For details on how Marriott Bonvoy Points are earned, please see the Earning Points section in this document.
  • Currensea charges a Subscription for its services. Please see the Pricing Plan section below.
  • The Card is also designed to save You money on international purchases. Our Realtime Exchange Rates can be found here.
  • Please note that the exchange rate may change throughout the day, but We will let You know what rate has been applied to Your transaction in Your confirmation email. You can also check the relevant exchange rate via our website or the Mobile App.
  • Whenever You make an exchange using Your Card You will be charged the Realtime Exchange Rate. We may add an exchange fee, depending on Your pricing plan. An additional rate applies to ATM withdrawals over a certain amount per month, depending on Your pricing plan. Please see our Pricing Plan table for more information. Please note, some ATM providers may charge a separate transaction fee. For the avoidance of doubt, We do not permit ATM withdrawals in GBP/£.

Using Currensea

• When using Your Card to make a transaction, You must have enough funds available in Your linked Bank Account. We will check the balance of Your Bank Account to ensure there are sufficient funds before approving the transaction. Once a transaction has been authorised, We are immediately entitled to collect the funds which will be collected from Your Bank Account via Direct Debit or Faster Payment. If We are unable to collect the funds from Your Bank Account, We may charge You for late payment. Your Card is not a credit card and is not intended for borrowing.
• You will need the Mobile App accompanying the Card to authenticate online payments.
• If the Direct Debit or Faster Payment is unsuccessful, We will contact You regularly and keep trying to collect the funds, or request that these are sent to Us via Faster Payment. If We have still not received the funds after 7 days, We will charge a one-off late payment fee of up to £35. If payment remains outstanding for more than 30 days, We will also charge an additional monthly fee of 25% of the overdue amount (inclusive of any late payment fee) to cover Our costs. Your Card will be blocked until outstanding funds are repaid. Currensea reserves the right to refer any outstanding payments, including any additional fees, to a third party. If further fees are applied by those third parties, these will also be added to the balance. Outstanding payments may be reported to credit reference agencies and negatively impact Your personal credit score. Currensea also reserves the right to terminate our service to You and cancel Your Card.
• You can keep track of how much You are spending via the transaction list in Your Mobile App.
• Before Your Annual Fee payment is taken by Direct Debit, We will always give You at least 14 calendar days’ advance notice of the amount, date and purpose of the payment, unless a shorter notice period has been expressly agreed with You. This notice will normally be provided by email. If we need to change the amount, date or frequency of a renewal payment, We will notify You in advance using the same notice period.
• All Direct Debits are protected by the Direct Debit Guarantee. You can read the full Direct Debit Guarantee wording here:  https://www.directdebit.co.uk/direct-debit-guarantee/ 
• Spend on Your Card is subject to our Fair Use Policy.
• We may block a transaction. Reasons we may do this include:
  • We suspect any criminal or fraudulent activity on Your Card (to protect you)
  • We’re not legally allowed to process the transaction
  • The transaction takes You over Your Currensea spend limits
  • You don’t have enough funds in Your linked Bank Account
  • We’ve had to apply a fee due to uncollected funds
  • Your spend is not in-line with our Fair Use Policy
  • The transaction is for a non-permitted purchase. Details of non-permitted purchases can be found in our Fair Use Policy
• If We do block a transaction, we'll let You know as soon as possible via email. Therefore, please ensure Your contact details are correct.
• We are not responsible for any losses You incur if we do not authorise or block a transaction. Also, We are not responsible if any merchant refuses to accept the Card.

Limits

• Spend limits will be based on Your balance and transaction history, as well as other information We hold on you.
• Your spend limits can be viewed in Your Mobile App. These limits may change over time, in Our sole discretion, and We will let You know if they do. Please note, Your Card cannot be used for ATM withdrawals in the UK.
• Please contact Us at help.marriottbonvoy@currensea.com if You want to discuss Your limits.

Keeping Your card safe

• You must always keep Your Card and its details safe and never let anyone else use them. You should memorise Your PIN and other security information and keep them secret at all times.
• You must only ever reveal Your card number to make a transaction, report the loss or theft of the card, or if We ask You to. We’ll never contact You to ask You for Your passwords, CVC, PIN, OTP token or full security details. When We contact you, we’ll always check we’re corresponding with the right person by asking You several security questions associated with Your Subscription.
• If Your Card is lost or stolen, or You see unrecognised transactions, You must freeze it immediately via Your Mobile App and contact Us at help.marriottbonvoy@currensea.com as soon as possible. If You need a new card, We may charge You GBP £5 for a replacement.
• We’ll usually refund You for any unrecognised transactions; reasons for which You may not get a refund include:
  1. You didn't keep Your Card, CVC, OTP, and/or PIN safe (as We have told You above)
  2. You broke the terms of these T&Cs or website Terms of Use
  3. The unrecognised transactions are over 13 months old
  4. You acted fraudulently or with intent or gross negligence
  5. The losses are not the direct result of our actions

Authorised transactions

• All spend using Your Card is deemed as authorised, thereby giving Us the authority to take the funds from Your linked Bank Account via Direct Debit or Faster Payment. This means You must always have an active Direct Debit.
• You will receive an email notification each time a transaction takes place using Card or a daily summary of transactions. If You did not authorise the transaction, You must freeze Your card via Your Currensea dashboard or Mobile App immediately and contact Us at help.marriottbonvoy@currensea.com as soon as possible. If You have been a victim of fraud, We will usually, but at our discretion, refund any money You have lost; reasons for which You may not get a refund include that You acted fraudulently or with gross negligence (as listed above).

Purchase protection

• For Your protection, Currensea supports Mastercard™ chargebacks. This may help You reclaim funds if:
  • Your goods do not arrive
  • Your goods arrive damaged
  • Your goods are different from how they were described
  • The Merchant has ceased trading
  • Chargeback requests are reviewed on a case-by-case basis, at Our sole discretion, and will require supporting evidence to be submitted by the Cardholder. If You need to raise a chargeback, please contact Us at help.marriottbonvoy@currensea.com

Marketing preferences

• By providing Your contact details and opting in to receive marketing communications, You consent to receive marketing materials from Currensea and the Marriott Bonvoy Program, and from carefully selected partners. You can opt out at any time. For more details, please see our Privacy Policy.

Our Cards

• Currensea offer plans for personal customers. Details of our plans can be found here.
• When You subscribe to one of our plans, You are committed for the full annual Subscription term. No right to cancel within 14 days of sign-up (i.e. no cooling off period) exists. Payment is collected via Direct Debit or Faster Payment. If You choose to end the Agreement before the 12-month term has elapsed, You will be charged for any outstanding payments. If You have activated the Card or received any benefits associated with the Card, including but not limited to Marriott Bonvoy Points and/or Welcome Bonus Offers and/or Limited Time Offers (LTOs), You will not be entitled to a full or partial refund of the Annual Fee. If You cancel without having activated or otherwise received any benefits associated with the Card, We reserve the right to retain GBP 5 from any refund to which You are eligible to cover Card issuance and onboarding costs. For details on upgrading or downgrading Your plan, see here.
• Your Subscription will automatically renew at the end of the term. To prevent this, please get in touch with Us at least 30 days before Your Subscription is due to end.

How to make a complaint

• If You have a complaint, please contact Us at help.marriottbonvoy@currensea.com and we'll do our best to fix the problem.
• If you're still not happy, You can refer Your complaint to the Financial Ombudsman Service. For more details, You can visit their website at www.financial-ombudsman.org.uk.

Making changes to these Terms and Conditions

• These Terms and Conditions will be available on our website and through Your Mobile App. If We make any changes, we'll give You two months' notice (unless the change is urgent or due to legal requirements).
• If You don't agree to these changes, let Us know by contacting Us at help.marriottbonvoy@currensea.com. Once We have checked there are no uncollected payments, we'll cancel Your Card.

Ending Your Subscription

• To cancel Your Subscription, You need to get in touch with Us by emailing help.marriottbonvoy@currensea.com.
• Cancelling Your Direct Debit is not the same as ending Your Agreement with us. We’ll need to ensure there are no uncollected payments before We can end the Agreement.
• Once we've ended the Agreement, Your Card won't work and You won't be able to access the Mobile App.
• Currensea can end the Agreement (and stop providing any services) by giving You at least two months' notice. We may end the Agreement or stop You using Your Card immediately (and retain any subscription paid and continue to recover any outstanding payments) for any reason, including if We believe you've:
  • Broken any terms of this Agreement or website terms of use
  • Failed to provide satisfactory Know Your Customer (KYC) information or fulfil any due diligence requirement.
  • Used Your Subscription and/or Your Card to break or attempt to break the law
  • Given Us false or inaccurate information at any time, or fail to provide Us (on request at any time during the Agreement) with information We require to verify Your identity
  • Put Us in a position where We might break the law or fail to fulfil our legal or regulatory obligations
  • Been abusive to anyone at Currensea, a member of our community, or anyone at Marriott International, Inc.
  • Tried to use a Card or access a Mobile App other than Your own
  • Allowed anyone else access to Your Card or the Mobile App
  • Attempted to get around usage restrictions set by Your Bank Account
  • Where there has been a failed payment from Your Bank Account
  • Where We reasonably believe (in our sole discretion) that Your creditworthiness, and/or transactions on Your Card and/or Your Bank Account fail or fall outside of our fraud and risk modelling assessment

General legal information

Who is this Agreement between?

• This Agreement is between Currensea and You. You cannot transfer any rights or obligations to anyone else.
• We can transfer our rights and obligations in this Agreement if We reasonably think that this won't have a significant effect on Your rights or for legal reasons. When We transfer Our rights and obligations, We will let You know beforehand.

Operation and Suspension of our services

• We cannot and do not guarantee continued and interruption free access to our website, the Mobile App or Our services generally. Our services may become inaccessible due to technical issues which We will use reasonable endeavours and care and skill to resolve, subject to the same being within our reasonable control.
• We will not be liable for any failure or delay in performance of Our obligations caused by events outside Our reasonable control (Force Majeure).

Severability, Waiver and No Agency

• In the event that any term or part of a term of this Agreement is found to be invalid or unenforceable, the remainder of the term and of this Agreement will remain valid and fully in force.
• In the event We elect not to enforce our rights in respect of any breach by You of this Agreement, this does not act as a waiver of that right, or of our right to enforce our rights in respect of subsequent instances of the same, or a different breach.

English law and courts

• The laws of England and Wales apply to this Agreement.
• If these terms and conditions are available in any other language, the translation is for reference only and the English version will apply. English Courts have non-exclusive jurisdiction.

Our right to enforce the Agreement

• If You have broken the Agreement between You and us, and We don't enforce our rights, or We delay in enforcing them, this will not prevent Us from enforcing those or any other rights at a later date.

Entire Agreement

• Only the Terms and Conditions as set out in this Agreement apply (except where external terms are specifically referenced within these Terms and Conditions).

Pricing plans

• We may change our subscription plans and the price of the service from time to time. We will inform You of any upcoming price changes at least 30 days prior to it coming into effect. 

Data Sharing

• When a Cardholder applies and is approved for a Card, the Cardholder authorises and expressly consents to the sharing by Currensea of the Cardholder's personal data, including Subscription information, with Marriott International, Inc., who may process and host outside of the United Kingdom such personal information, including first name, last name and email address, for administrative purposes and to enable Marriott International, Inc. and any of its affiliates globally to provide Marriott Bonvoy Program benefits and Card services to the Cardholder in accordance with these Terms and Conditions, as permitted by applicable law.
• Without a Cardholder's authorisation to Currensea to share such Cardholder’s personal data with Marriott International, Inc., Marriott International, Inc. and its affiliates will not be able to provide the services to the Cardholder in accordance with these Terms and Conditions.
• Please find more details on how Cardholders' personal data will be processed in Currensea’s privacy policy at https://www.currensea.com/legal/privacy-policy and the Marriott Group Global Privacy Statement at https://www.marriott.com/about/privacy.mi.

Points Earning Overview: 

• Cardholders will accrue Marriott Bonvoy Points only after activating the Card.
• You will receive Marriott Bonvoy Points only for Valid Spend, which are purchases for goods and services minus returns and other credits which are eligible for Marriott Bonvoy Points earning under the Fair Use Policy in these Terms and Conditions.
• In addition to the standard Marriott Bonvoy Points earned, We may from time-to-time launch promotions to offer incremental Marriott Bonvoy Points (bonus Marriott Bonvoy Points) whether on its own or through the Marriott Bonvoy Program or other third parties. Such promotional offers will be governed by the terms and conditions of the applicable promotion, as well as these Terms. The terms and conditions of the applicable promotion will be communicated at the time of the launch of such a promotion.
• Cardholders will be able to view all Marriott Bonvoy Points earned on the Card in the Mobile App. Marriott Bonvoy Points can be viewed by visiting https://www.marriott.com/sign-in.mi
• Use and redemption of Marriott Bonvoy Points are available only through the Marriott Bonvoy Program’s redemption channels and are governed by the Marriott Bonvoy Program Rules, which are subject to change by Marriott International, Inc. at any time.
• Marriott Bonvoy Points have no monetary value and are not exchangeable for cash.

Merchant Classification

• Merchants are assigned a specific merchant identification number (ID). We do not control the assignment of these numbers and are not responsible for the ID used by Merchants.
• Sometimes You may expect a purchase to fit within a rewards category, but if the ID assigned to the Merchant was not grouped into that category, as recognised by Currensea, Your purchase may not qualify for a specific Earn Rate or reward.
• For example, You may not earn additional rewards for purchases at a restaurant located within a Marriott hotel if the restaurant is not assigned the relevant Marriott Merchant ID and/or is not operated by Marriott.

Card Application and Marriott Bonvoy Membership

• If the applicant is not an existing Marriott Bonvoy Member, they will be automatically enrolled in the Marriott Bonvoy Program upon Card application approval and receive a Marriott Bonvoy Membership Number.
• If the applicant is an existing Marriott Bonvoy Member, the applicant will be responsible for providing their Marriott Bonvoy Membership Number upon Card application approval. If the applicant fails to provide the applicant’s Marriott Bonvoy Membership Number, a new Marriott Bonvoy Membership Number will be generated for the applicant. If an existing Marriott Bonvoy Member receives a second Marriott Bonvoy Membership Number, the two Marriott Bonvoy Member Accounts must be merged into one Marriott Bonvoy Member Account. To merge Marriott Bonvoy Member Accounts, please visit: https://help.marriott.com/s/article/Article-22511.
• Applicants who are not approved for a Card will not be automatically enrolled in the Marriott Bonvoy Program pursuant to these Terms and Conditions, although existing Marriott Bonvoy memberships will not be affected.

Rewards, Introductory or Limited Time Offers (LTOs) and Benefits

• We may offer rewards, introductory or limited time offers (LTOs) and benefits for new or existing Cardholders or things like referring a friend or using your Card with specific Merchants. We reserve the right to withdraw or change these offers at any time without notice. Any introductory or limited time offer, rewards, or benefits will be available one time per Cardholder and are limited to one offer per customer unless otherwise explicitly stated. Unless otherwise stated, introductory or limited time offer, rewards, or benefits do not apply to plan upgrades or downgrades.
• These offers are non-transferable and may not be combined with any other discounts, promotions, or offers unless expressly permitted.
• We expect you to enter accurate information when required by our partners in order to collect associated benefits or rewards. Failure to do so may result in the reward being declined or removed.
• If an offer includes specific terms and conditions, those specific terms will prevail over these general Terms and Conditions in the event of any conflict.

Marriott Bonvoy Debit Card Benefits

Points Earning

• By spending with Your Marriott Bonvoy Debit Card, You will be able to earn Marriott Bonvoy Points for every GBP £1 of Valid spend as follows:
• You will earn one (1) Marriott Bonvoy Points per GBP £1 of Valid Spend charged on Your Card in Domestic Spend (available on every £ Domestic Spend) and European Spend.
• You will earn two (2) Marriott Bonvoy Points per GBP £1 of Valid Spend charged on Your Card in Non-European Spend (points earned on any Non-European Spend).
• You will earn two (2) Marriott Bonvoy Points per GBP £1 of Valid Spend for Domestic Spend (available on every £ of Domestic Spend), and four (4) Marriott Bonvoy Points per GBP £1 of Valid Spend for Spend Abroad (available on every GBP £ 1 of spend abroad) charged on Your Card when charged directly with Participating Marriott Bonvoy Properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards) that, in each case, are wholly owned or managed by Marriott International, Inc. and/or its affiliates. Additional Marriott Bonvoy Points received under the Marriott Bonvoy Program for stays at Participating Marriott Bonvoy Properties will be earned in accordance with the Marriott Bonvoy Program Rules.  The use of Marriott Bonvoy Points and participation in the Marriott Bonvoy Program is subject to the Marriott Bonvoy Program Rules.
  • Purchases made at some restaurants and retail outlets located within a hotel may not be considered Marriott Bonvoy Participating Hotel Valid Spend if the outlet is operated by a third party and is not managed by the Participating Hotel.
  • In addition, purchases of third-party services, such as rental cars, transportation, golf, activities and tours will not be considered Marriott Bonvoy Participating Hotel Valid Spend if the purchase transaction is settled by the third party.
• Marriott Bonvoy Points will accumulate on Valid Spend and will become visible in the Your Mobile App as “pending” Marriott Bonvoy Points on a daily basis. The attribution of points is provisional and subject to verification. Once verification is completed, all relevant Marriott Bonvoy Points will become visible in Your Marriott Bonvoy Member Account 14 days after the relevant Marriott Bonvoy Points earning transaction on your Card was made.
• All transactions are subject to our Fair Use Policy, and We reserve the right to disqualify transactions or Cardholders from accruing points via the Card if found to be in breach of this policy or these Terms and Conditions, or the Marriott Bonvoy Program Rules.
• Currensea reserves the right to amend the quantum of Marriott Bonvoy Points associated with each Earn Rate, or any other Earn Rate applicable at a given time.

5,000 Marriott Bonvoy Points Base Welcome Bonus Offer

• As a one-time offering, subject to the terms and conditions provided below, Cardholders will have the opportunity to earn 5,000 bonus Marriott Bonvoy Points (the “Base Welcome Bonus Offer”).
• The Cardholder will have the opportunity to earn 5,000 bonus Marriott Bonvoy Points after reaching the equivalent of GBP 1,000 in Spend Abroad (“Base Valid Spend Target Amount”) on the Card within the first twelve months of their Card Anniversary Year.
• In rare instances, the Cardholder’s period to spend the Base Valid Spend Target Amount may be shorter if there is a delay in receiving the Card.
• To earn the bonus Base Welcome Bonus Offer, the Cardholder’s Subscription must not be canceled or past due at the time of Base Welcome Bonus Offer fulfilment.
• If a Cardholder fails to activate their Card or cancels their Subscription, then the Cardholder’s Marriott Bonvoy Program benefits earned, including Marriott Bonvoy Elite Status and Marriott Bonvoy Points, will be removed from their Marriott Bonvoy Member Account. 
• Cardholders who have been a Cardholder at any time in the past are not eligible for any subsequent Base Welcome Bonus Offer, Premium Welcome Bonus 

Complimentary Marriott Bonvoy Silver Elite Status

• You will receive Marriott Bonvoy Silver Elite status upon Card application approval when Your Annual Fee has been collected and upon each Subscription renewal when Your Annual Fee has been collected.
• Please allow up to 60 days from Annual Fee collection for Marriott Bonvoy Silver Elite Status to be applied to Your Marriott Bonvoy Account.
• To qualify for and receive Marriott Bonvoy Silver Elite Status, Your Marriott Bonvoy Account must be open and not in default.
• The Marriott Bonvoy Silver Elite Status awarded through the Card is valid as long as the Card is active and is in good standing.
• This complimentary Marriott Bonvoy Silver Elite Status benefit is only available to You as part of Your Subscription.
• Upon cancellation, Marriott Bonvoy Silver Elite Status will expire at the end of the then-current Marriott Bonvoy Program year in accordance with Marriott Bonvoy Program Rules.
• If You separately qualify for higher Marriott Bonvoy Elite Status under the Marriott Bonvoy Program Rules, then the higher qualification will take precedence.
• All services, amenities and benefits for Marriott Bonvoy Silver Elite members are subject to change in accordance with the Marriott Bonvoy Program Rules.
• For full details on Marriott Bonvoy Silver Elite Status, please visit: https://www.marriott.com/loyalty/member-benefits/silver.mi.

Elite Night Credits (ENC)

• You will receive 10 Elite Night Credits credited to Your Marriott Bonvoy Member Account within 60 days from when Your first Annual Fee has been collected.
• Each year thereafter, You will receive 10 Elite Night Credits with Your Subscription on or before 31 March; provided that, the Card is active and in good standing.
• To be eligible to receive the Elite Night Credits with this Card, You must have an active Marriott Bonvoy Member Account linked to Your Card.
• Elite Night Credits received from a Subscription will count toward achieving or renewing Marriott Bonvoy Elite Status in the calendar year that such Elite Night Credits are posted to Your Marriott Bonvoy Member Account.
• This Elite Night Credits benefit is only available to You as part of Your Subscription.
• The Marriott Bonvoy Program offers multiple cobrand cards around the globe.
• If You have more than one Marriott Bonvoy Member Account, then the Marriott Bonvoy Member Accounts will be merged, and 10 Elite Night Credits from Marriott Bonvoy Program cobranded cards will be retained even if Your multiple Marriott Bonvoy Member Accounts have received more than 10 Elite Night Credits from Marriott Bonvoy Program cobranded cards. If the Marriott Bonvoy Member Accounts are merged, if both accounts have received Elite Night Credits, only Elite Night Credits from one Marriott Bonvoy Member Account will remain.

Marriott Bonvoy Premium Debit Card Benefits

Point Earning

• By spending with Your Marriott Bonvoy Premium Debit Card, you will be able to earn Marriott Bonvoy Points for every GBP £1 of Valid spend as follows:
• You will earn one and a half (1.5) Marriott Bonvoy Points per GBP £1 of Valid Spend charged on Your Card in Domestic Spend (available on every £ of Domestic Spend) and European Spend.
• You will earn three (3) Marriott Bonvoy Points per GBP £1 of Valid Spend charged on Your Card in Non-European Spend (points earned on any Non-European Spend).
• You will earn four (4) Marriott Bonvoy Points per GBP £1 of Valid Spend for Domestic Spend (available on every GBP £ of Domestic Spend), and six (6) Marriott Bonvoy Points per GBP £1 of Valid Spend for Spend Abroad (available on every GBP £1 of spend abroad) charged on Your Card when charged directly with Participating Marriott Bonvoy Properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards) that, in each case, are wholly owned or managed by Marriott International, Inc. and/or its affiliates. Additional Marriott Bonvoy Points received under the Marriott Bonvoy Program for stays at Participating Marriott Bonvoy Properties will be earned in accordance with the Marriott Bonvoy Program Rules.  The use of Marriott Bonvoy Points and participation in the Marriott Bonvoy Program is subject to the Marriott Bonvoy Program Rules.
  • Purchases made at some restaurants and retail outlets located within a hotel may not be considered Marriott Bonvoy Participating Hotel Valid Spend if the outlet is operated by a third party and is not managed by the Participating Hotel.
  • In addition, purchases of third-party services, such as rental cars, transportation, golf, activities and tours will not be considered Marriott Bonvoy Participating Hotel Valid Spend if the purchase transaction is settled by the third party.
• Marriott Bonvoy Points will accumulate on Valid Spend and will become visible in the Your Mobile App as “pending” Marriott Bonvoy Points on a daily basis. The attribution of points is provisional and subject to verification. Once verification is completed, all relevant Marriott Bonvoy Points will become visible in Your Marriott Bonvoy Member Account 14 days after the relevant Marriott Bonvoy Points earning transaction on your Card was made.
• All transactions are subject to our Fair Use Policy, and We reserve the right to disqualify transactions or Cardholders from accruing points via the Card if found to be in breach of this policy or these Terms and Conditions, or the Marriott Bonvoy Program Rules.
• Currensea reserves the right to amend the quantum of Marriott Bonvoy Points associated with each Earn Rate, or any other Earn Rate applicable at a given time.

15,000 Marriott Bonvoy Points Premium Welcome Bonus Offer

• As a one-time offering, subject to the terms and conditions provided below, Cardholders will have the opportunity to earn 15,000 bonus Marriott Bonvoy Points (the "Premium Welcome Welcome Bonus Offer").
• The Cardholder will have the opportunity to earn 15,000 bonus Marriott Bonvoy Points after reaching the equivalent of GBP 3,000 in Spend Abroad ("Premium Valid Spend Target Amount”) on the Card within the first twelve months of their Card Anniversary Year.
• In rare instances, the Cardholder’s period to spend the Premium Valid Spend Target Amount may be shorter if there is a delay in receiving the Card.
• To earn the bonus Premium Welcome Bonus Offer, the Cardholder’s Subscription must not be canceled or past due at the time of Premium Welcome Bonus Offer’ fulfilment.
• If a Cardholder fails to activate their Card or cancels their Subscription, then the Cardholder’s Marriott Bonvoy Program benefits earned, including Marriott Bonvoy Elite Status and Marriott Bonvoy Points, will be removed from their Marriott Bonvoy Member Account.
• Cardholders who have been a Cardholder at any time in the past are not eligible for any subsequent Base Welcome Bonus Offer, Premium Welcome Bonus Offer or any limited time welcome offer which may be offered from time to time.

Complimentary Marriott Bonvoy Gold Elite Status

• You will receive Marriott Bonvoy Gold Elite status upon Card application approval when Your Annual Fee has been collected and upon each Subscription renewal when Your Annual Fee has been collected.
• Please allow up to 8 weeks from Annual Fee collection for Marriott Bonvoy Gold Elite Status to be applied to Your Marriott Bonvoy Account.
• To qualify for and receive Marriott Bonvoy Gold Elite Status, Your Marriott Bonvoy Account must be open and not in default.
• The Marriott Bonvoy Gold Elite Status awarded through the Card is valid as long as the Card is active and is in good standing.
• This complimentary Marriott Bonvoy Gold Elite Status benefit is only available to You as part of Your Subscription.
• Upon Card cancellation, Marriott Bonvoy Gold Elite Status will expire at the end of the then-current Marriott Bonvoy Program year in accordance with Marriott Bonvoy Program Rules.
• If You separately qualify for higher Marriott Bonvoy Elite Status under the Marriott Bonvoy Program Rules, then the higher qualification will take precedence.
• All services, amenities and benefits for Marriott Bonvoy Gold Elite members are subject to change in accordance with the Marriott Bonvoy Program Rules.
• For full details on Marriott Bonvoy Gold Elite Status, please visit: https://www.marriott.com/loyalty/member-benefits/gold.mi.

Elite Night Credits (ENC)

• You will receive 15 Elite Night Credits credited to Your Marriott Bonvoy Member Account within 60 days from when Your first Annual Fee has been collected.
• Each year thereafter, You will receive 15 Elite Night Credits with Your Subscription on or before 31 March; provided that, the Card is active and in good standing.
• To be eligible to receive the Elite Night Credits with this Card, You must have an active Marriott Bonvoy Member Account linked to Your Card.
• Elite Night Credits received from a Subscription will count toward achieving or renewing Marriott Bonvoy Elite Status in the calendar year that such Elite Night Credits are posted to Your Marriott Bonvoy Member Account.
• This Elite Night Credits benefit is only available to You as part of Your Subscription.
• The Marriott Bonvoy Program offers multiple cobrand cards around the globe.
• If You have more than one Marriott Bonvoy Member Account, then the Marriott Bonvoy Member Accounts will be merged, and 15 Elite Night Credits from Marriott Bonvoy Program cobranded cards will be retained even if Your multiple Marriott Bonvoy Member Accounts have received more than 15 Elite Night Credits from Marriott Bonvoy Program cobranded cards. If the Marriott Bonvoy Member Accounts are merged, if both accounts have received Elite Night Credits, only Elite Night Credits from one Marriott Bonvoy Member Account will remain.

 1 Elite Night Credit for Every GBP £4,000 of Valid Spend 

• You will earn 1 Elite night credit for each GBP £4,000 in Valid Spend.
• We have the right to determine which purchases qualify for this offer. We reserve the right to change or end this offer at any time.
• There is a maximum of 5 additional Elite Night Credits that You can earn.
• Please allow up to 8 weeks for Elite Night Credits to be credited to Your Marriott Bonvoy Member Account from the last day of each calendar month You qualify.
• To qualify for the Elite nights, Your Card must be open and not in default at the time of processing and fulfilment. Currensea is not responsible for offer fulfilment or the provision of or failure to provide the stated benefits and services.

Free Night Award

• Each Card Anniversary Year, after paying the Annual Fee and achieving Spend Abroad the prior year, You will earn one of the following:
  • Spend Abroad equal to between GBP £5,000 and GBP £9,500 will earn a Free Night Award with a redemption level up to 25,000 Marriott Bonvoy Points; or
  • Spend Abroad equal to GBP £9,501 and above will earn a Free Night Award with a redemption level up to 50,000 Marriott Bonvoy Points.
  • For the avoidance of doubt, You can only earn one Free Night Award per Card Anniversary Year, which, depending on meeting the relevant Spend Abroad criteria mentioned above will either have a redemption level of up to 25,000 or 50,000 Marriott Bonvoy Points.
• The Free Night Award may be applied to one (1) night in a standard guest room at a Participating Hotel. The Free Night Award benefit is only awarded to You.
• Please allow up to 8-12 weeks after paying the Annual Fee and the above spending thresholds for Your Free Night Award to be automatically deposited into Your Marriott Bonvoy Member Account.
• The Free Night Award will expire 12 months after issuance.
• If there is a change in the month in which Your subsequent Subscription anniversary occurs (for example, due to a Card upgrade), the Free Night Award will be triggered by the Your new Subscription anniversary.
• The Free Night Award can be redeemed for a one-night stay, inclusive of room rate and applicable taxes, at Participating Marriott Bonvoy Properties at the redemption level value.
• If You apply the Free Night Award on a night where the value of the Free Night Award is higher than the award redemption rate You will forfeit the difference in Marriott Bonvoy Points and will not receive a Marriott Bonvoy Points refund for the unused Marriott Bonvoy
• The Free Night Award may not be combined with cash when redeeming for the free night, but You are able to redeem or purchase up to 15,000 additional Marriott Bonvoy Points to expand the value of Your Free Night Award in accordance with the Marriott Bonvoy Program Rules.
• A Free Night Award may be used up to its expiration date listed; it cannot be extended beyond the validity date, exchanged, or re-deposited into the Cardholder’s Marriott Bonvoy Member Account for Marriott Bonvoy Points or future use.
• For more details on redeeming Free Night Awards, please visit: https://help.marriott.com/s/article/Article-33946.
• You may be responsible for payment of additional mandatory resort fees at properties where resort fees are applicable and is responsible for all incidental charges and other fees at such properties.
• Free Night Awards are not transferable and may not be redeemed for cash or converted into Marriott Bonvoy
• To qualify for the Free Night Award, the Your Card must be open and not in default at the time of the Free Night Award issuance.
• Participating Marriott Bonvoy Properties may limit the number of standard rooms available for redemption on a limited number of days. For complete limitations and exclusions, please visit: marriott.com/loyalty/redeem.mi.
• The Free Night Award benefit, and the applicable terms and conditions are subject to change.
• You will receive an email from Marriott Bonvoy to the email address listed on Your Marriott Bonvoy Member Account confirming that the Free Night Award has been deposited into Your Marriott Bonvoy Member Account. The email will also provide instructions on how to redeem the Free Night Award.

Upgrades or Downgrades

Upgrading Your Subscription

• Cardholders of the basic Marriott Bonvoy Debit Card can upgrade to the Marriott Bonvoy Premium Debit Card plan at any point in time.
• On upgrading, You will be billed the full Annual Fee for the Marriott Bonvoy Premium Debit Card. Your Card Anniversary Year will reset, and Your new renewal date will be twelve months from the date Your new Marriott Bonvoy Premium Debit Card Subscription commences (the date on which Your new Marriott Bonvoy Premium Debit Card Subscription commences, the "Upgrade Date”).
• You will also receive a fractional refund of the Annual Fee relating to Your original plan, equal to the number of full months remaining until Your original card subscription. E.g. a customer signs up to the basic Marriott Bonvoy Debit Card on 12 October 2026 and then requests to upgrade to the Marriott Bonvoy Premium Debit Card on 8 June 2027. This customer would be entitled to a refund of the Annual Fee for the residual 4 complete months between 12 June and 12 October, equating to GBP £33. This refund will be issued by Currensea on receipt of the GBP £175 subscription for the customer’s new Marriott Bonvoy Premium Debit Card Annual Fee. The customer’s new renewal date will become 8 June 2028. Their Card Anniversary Year will now start on 8 June 2028 and this will be the relevant date for any renewal related bonuses or rewards.
• When You as a Cardholder of basic Marriott Bonvoy Debit Card upgrade to the Marriott Bonvoy Premium Debit Card plan, You will receive an additional 5 Elite Night Credits from the Upgrade Date. You will also be eligible for 1 Elite Night Credit for Every GBP £4,000 of Valid Spend from the Upgrade Date. For the avoidance of doubt, any spend on Your Marriott Bonvoy Debit Card before the Upgrade Date will not count towards such additional Elite Night Credits.
• You will receive Marriott Bonvoy Gold Elite status upon the Upgrade Date.
• In addition, You will become eligible for the Free Night Award renewal benefit in the Card Anniversary Year commencing on the Upgrade Date. For the avoidance of doubt, any spend on Your Marriott Bonvoy Debit Card before the Upgrade Date will not count towards the Free Night Award renewal benefit.
• Unless otherwise explicitly stated in the relevant offer, no welcome bonus, limited time offers or refer-a-friend bonus will apply to upgrades.

Downgrading Your Subscription

• If You are a Marriott Bonvoy Premium Debit Card Cardholder, You can downgrade Your plan to a basic Marriott Bonvoy Debit Card, but only on Your renewal date by contacting customer service at least 30 days before the renewal date until this feature is built into the product. No welcome bonus or refer-a-friend bonus will apply to downgrades. All other benefits or rewards linked to Your Marriott Bonvoy Premium Debit Card will end when the downgrade takes effect. The Elite Status program period will last from the downgrade date to 31 December of the same year.

Net Valid Spend

Any spend criteria mentioned in these Terms and Conditions relate to net Valid Spend. In other words, this would exclude any spend which is not eligible for Marriott Bonvoy Points earn and/or other limited spend under the Fair Use Policy and it also does not include any refunds and/or Chargebacks.

Point Booster

• You have the option to activate the “Point Booster” feature in Your Mobile App. When activated, it allows You to round-up eligible transactions to the nearest 10p or 20p and thereby earn points at a rate of 1 point / GBP £0.01. See our help section for more examples.
• This feature can be disabled by You at any time. As with the underlying transaction, this feature is subject to our Fair Use Policy and all Marriott Bonvoy Points earned in this way remain pending until verified.
• We reserve the right to amend the terms of this offer, or remove it in its entirety, at any time. We will endeavour to inform You of any upcoming changes to Earn Rates at least 30 days prior to it coming into effect.

General

• Your Card shall be subject to an Annual Fee at such rate as communicated to You under these Terms and Conditions which may be updated from time to time. The Annual Fee for the second year and for each year thereafter will be charged in the same month every year unless the Subscription anniversary changes, for example, due to a Card upgrade.
• Currensea reserves the right, at any time and by notice to You in accordance with applicable law, to change these Terms and Conditions and the qualifying services and/or to suspend or terminate Your Card notwithstanding that such change may result in reducing or extinguishing any related benefits. While Currensea shall make every endeavour to notify Cardholders of such changes, neither Currensea nor Marriott International, Inc. (including its subsidiaries and affiliates) will be held liable in any manner for failure to do so.
• Currensea and Marriott International, Inc. (including its subsidiaries and affiliates) will not be liable for a failure to perform any obligations under these Terms and Conditions if due directly or indirectly to the failure of any machinery or communication system, industrial dispute, war or act of God or anything outside their control. Nor shall Currensea or Marriott International, Inc. (including its subsidiaries and affiliates) be responsible for any delay by Merchants in transmitting evidence on any Card transaction.
• Currensea is not responsible for the redemption of Marriott Bonvoy Points, and Currensea gives no guarantee and has no liability to You for any failure to redeem Marriott Bonvoy Points by Marriott.
• Marriott is not responsible for the Subscription, and Marriott gives no guarantee and has no liability to the Cardholder for any failure by Currensea relating to the Subscription.

Points Don’t Expire Requirements

• Your Marriott Bonvoy Points that are transferred to Your Marriott Bonvoy Member Account will not expire as long as You remain an active Marriott Bonvoy Member as set forth in the Marriott Bonvoy Program Rules. You may remain active by undertaking Card earning activity or other qualifying earning or redemption activity every 24 months. For more information on Marriott Bonvoy Points expiration, please visit: https://help.marriott.com/s/article/Article-22242.
• If You do not remain an active Marriott Bonvoy Member, then Marriott International, Inc. reserves the right, in its sole discretion, to close Your Marriott Bonvoy Member Account in accordance with the Marriott Bonvoy Program Rules.
• In the event that Your Marriott Bonvoy Member Account is closed; all unredeemed Marriott Bonvoy Points in Your Marriott Bonvoy Member Account may be forfeited.

Losing Marriott Bonvoy Points

 You will immediately lose all Marriott Bonvoy Points that are pending and have not been transferred to the Your Marriott Bonvoy Member Account if Your Subscription is terminated for misuse, fraudulent activities, failure to pay, bankruptcy or other reasons described in these Terms and Conditions.

In addition, Marriott International, Inc. maintains the right to suspend, amend or cancel a Cardholder’s Marriott Bonvoy Points for any reason whatsoever, including, but not limited to, delinquent customers, reversal of transactions, fraud or chargebacks.

Marriott Bonvoy Program Information

• Marriott Bonvoy Points accrued, and awards issued are subject to the Marriott Bonvoy Program Rules. See https://www.marriott.com/en-gb/loyalty/terms/default.mi for complete Marriott Bonvoy Program Rules, including point earning and redemption terms. Marriott International, Inc. reserves the right to modify the Marriott Bonvoy Program Rules, and services and benefits may be added or deleted at any time in accordance with the Marriott Bonvoy Program Rules.
• This may include a change to Marriott Bonvoy Program benefits if the Card is cancelled or if You transfer to another Card offered Currensea and Marriott Bonvoy.

Fair Use Policy

In order to ensure that You get the best experience using the Card, there are some fair use limitations to be aware of. We reserve the right to limit the use of, or block Your card, if We see that You are using it in the following ways:

• Ecommerce micropayments: if You are using the Card solely or frequently for ecommerce micropayments (such as for online games)
• Non-permitted purchases: if You are using Card for any non-permitted purchases. Non-permitted purchases include:
  • Online gambling or betting
  • Dating or escort services
  • Massage parlours
  • Money transfer services (including money service bureaus)
  • Financial products (including prepaid cards, loans, virtual currencies, stocks and bonds, currency and commodity exchanges)
  • Defence or weapons (including manufacturing and/or distribution of weapons, explosives or armaments)
  • Activities undertaken by unregistered or unregulated charities
  • Distribution of non-licensed drugs

If Your Card has been limited or blocked and You disagree with our decision, please get in touch with Us and we’ll be happy to review this. If after further review our decision remains unchanged, we’ll let You know why.

In addition to the above, Marriott Bonvoy Points cannot be earned on non-personal spend and certain categories of personal spend. In addition to the categories listed above, Invalid Spend categories include but are not limited to:

• Any payment of UK or European taxes, including HMRC, council tax and any equivalent foreign taxes
• UK or European rent or mortgage payments
• Payment of card fees
• ATM cash withdrawal abroad (for avoidance of doubt, UK ATM cash withdrawal is not supported by the card)

• Payments in relation to financial products (for the avoidance of doubt, this includes any loyalty points purchases)
• Cash recycling schemes

• Payment of UK or European school, university, or other educational fees
• Obtaining cash through a transaction which the Cardholder knows will be treated as a purchase of goods and services
• Using the card at a retailer that the Cardholder controls

For customers selecting the business expenses option when signing up, broader categories of spend may be available for points earning, however ATM and counter cash withdrawals and cash recycling schemes are always excluded.

Some categories of government and financial transaction spend may incur a small surcharge, where additional Merchant fee caps have been imposed. Where applicable, confirmation will be provided prior to transaction authorisation. By approving the transaction, You accept the surcharge.

We reserve the right, at our sole discretion, to review any transaction or group of transactions. If We reasonably believe that a transaction or group of transactions has been entered into artificially or fraudulently for the primary purpose of earning points or other rewards, We may, without prior notice, block the earning of points on such transactions and take any additional actions deemed necessary, including but not limited to account suspension or termination. We reserve the right to amend this list at any given time, but We will notify Cardholders in advance of any material changes taking effect.

Glossary

The following defined terms are used in these ​Terms and Conditions​. If You do not understand any of the glossary terms, please contact Us at help.marriottbonvoy@currensea.com and We will be happy to explain.

Glossary terms