CARDS & DAILY PAYMENTS

FF credit & debit cards for your everyday and big plans.

Future Funds – B.B. Bank plc. provides card products that combine conservative banking risk management with global acceptance, so you can pay and withdraw funds in a controlled way — at home and abroad.

Physical, virtual and travel cards 3-D Secure & strong customer authentication Granular limits and manual review for sensitive changes

FF cards at a glance

Choose the combination of debit, credit and virtual cards that matches how you spend and move funds.

Everyday debit card

Link your day-to-day spending directly to your main account, with clearly defined limits and the option to restrict cash withdrawals.

Request a debit card →

FF credit card

A brand-new credit card for your bigger plans, with configurable limits, repayment options and optional travel insurance.

Apply for a credit card →

Virtual card for online use

Generate virtual cards for online merchants, subscriptions or one-off transactions — with the option to pause or delete the card at any time.

Create a virtual card →

Travel card

Card configured for international travel, with ATM access and payments in more than 130 countries, and optional travel-related limits.

See travel features →

Introducing the FF credit card

With 0% interest on purchases for up to 15 months (if you make your minimum repayments), no foreign exchange fees from us, and no annual fee, it could be ideal for your next big purchase or international adventure.

Already bank with us? You can check if you're eligible for an FF credit card directly in the app — see "How to apply" below for more details.

Open your FF account

18+, UK residents. FF current account required — eligibility applies. Subject to status.

Open your FF card in 3 steps

From initial request to an active card in your wallet or on your phone.

Guided onboarding · subject to approval

STEP 1

Submit your request

Choose the card type (debit, credit, travel, virtual) and submit a short request via your online depot or through our contact form.

STEP 2

Verification & limits

We review your profile, perform the required KYC and affordability checks and agree on card limits, currencies and usage preferences.

STEP 3

Activation & first transaction

Once your card is issued, you receive PIN and activation details. From there, you can start using your card in-store, online or at ATMs.

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What a FF credit card can be good for

Added protection for your purchases
As with all UK credit cards, if there's ever an issue with a purchase you make between £100 and £30,000, you could be eligible for a refund under Section 75.
Spreading the cost
Flexibly pay off your balance over the promotional period, without paying interest — as long as minimum monthly payments are met.
Spending right away
If accepted, you can spend instantly with your in-app card details and Apple Pay / Google Pay™.
Travelling
Pay no foreign exchange fees from us overseas.

What a FF debit card can be good for

Daily purchases
Such as your morning coffee or lunch at your favourite spot.
Travelling
Pay no foreign exchange fees from us overseas.
Keeping your spending in check
Head to the app for easy money management.
Withdrawing cash
Prefer paper? Use an ATM and pay zero fees from us.
Cash withdrawal limits apply.

Card advantages for FF clients

Our card offering is built around clients who need both flexibility and control when moving funds between accounts, currencies and countries.

Incoming transfers from the US and other jurisdictions, including major banks such as JP Morgan Chase, subject to SEPA/SWIFT rules.
Cards connected to multi-currency depot accounts (EUR, GBP, USD), with internal FF transfers at zero FF internal transfer fees.
ATM withdrawals and POS payments possible in more than 130 countries, with clear information on FX conversions and fees.
Optional separation of “spending card” and “savings/depot” accounts to reduce risk in case of card loss or misuse.

Availability of products and services depends on your country of residence and is subject to our onboarding and risk policies.

Security, limits and approvals

Card usage is integrated into our overall risk framework, so that important changes do not go unnoticed.

Strong customer authentication (SCA) and 3-D Secure for online purchases where supported by the merchant.
Real-time blocking and unblocking of cards through your online depot or by contacting the bank.
Manual or rules-based review of limit increases, new countries and other sensitive changes to card settings.
Full transaction history and linking of card movements to your overall depot and transfer history.

Cards – frequently asked questions

Key information about how your Future Funds cards work – limits, security, international use and what to do in case of loss or suspected misuse.

How are my cards issued and activated?

Physical cards are produced and shipped once your account and KYC checks are completed. After delivery, you activate the card in the client portal, where you can set PIN delivery options and initial limits.

Can I change card limits and usage settings?

Yes. You can adjust POS, online and ATM limits directly in the portal. Certain changes may require additional verification or bank approval, especially for higher risk or unusually high limits.

Do you support 3-D Secure and extra card checks?

All cards are enrolled in strong customer authentication (including 3-D Secure where supported by the merchant). Additional risk checks and monitoring are applied to unusual or cross-border transactions.

What should I do if my card is lost or stolen?

Block the card immediately in the client portal or call our support line. Once reported, the card is blocked for further use and a replacement card can be issued in line with our card conditions.

Can I use my card abroad and in foreign currencies?

Yes, your card can be used internationally wherever the scheme is accepted. FX conversion is applied according to the card programme’s exchange rates and any applicable fees listed in your tariff.

Where can I see all card-related fees?

All fees are listed transparently in your fee schedule and in the Cards section of the portal. This includes annual fees, ATM charges, FX mark-ups and replacement card costs, where applicable.

View general FAQ → Contact card support