Please read these Terms and Conditions carefully before signing up for and using Hilton Honors Debit Card

These legal terms are between you and Currensea and by signing up for and using the Hilton Honors Debit Card and Account, you agree to them. You should read this document along with our Privacy Policy. It’s important that you understand these T&Cs, so if you have any questions please contact us at help.hiltonhonorsdebitcard@currensea.com or call 020 3861 7959, leave us a message, and we will be happy to explain.

What is Currensea?

We are Currensea, a payment service that lets you connect your existing Bank Account to your Hilton Honors Debit 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 create a Hilton Honors Debit Card Account, 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 Hilton Honors Debit Card Account in your name. Therefore:

1. Any reference in these terms or on our website to your “Hilton Honors Debit Card Account” means your Hilton Honors Debit Card and the mobile app
2. Any reference in these terms or on our website to your “Bank Account” means your separate bank account which is linked to your Hilton Honors Debit Card Account
3. Any reference in these terms or on our website to your “Card” or “Hilton Honors Debit Card” means your Currensea Mastercard debit card (this may be a physical or virtual card depending on what you choose or is available to you when you sign up)
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.

Hilton Honors Worldwide LLC and Hilton Worldwide Manage Limited (together “Hilton”) own, operate, and administer the Hilton Honors Program, a frequent guest program which allows qualified enrolees to earn point credits redeemable for various rewards, subject to the terms and conditions of the Hilton Honors Program.

Hilton Honors Worldwide LLC is a limited liability company organised and existing under the laws of the State of Delaware in the United States of America whose principal office is at 7930 Jones Branch Drive, McLean, Virginia, 22102, USA.

Hilton Worldwide Manage Limited is a company established in the United Kingdom with registered number 746067 and registered office at Maple Court, Central Park, Reeds Crescent, Watford, Herts WD24 4QQ, UK.

 

Who you are

We need to have 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 us 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 Hilton Honors Debit Card you must:

1. Be aged 18 or over
2. Have a valid mobile phone number
3. Have an active current account with one of the UK banks we support (basic accounts are not supported)
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 us by email at help.hiltonhonorsdebitcard@currensea.com or via the contact form on our website and in the mobile app.

 

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 Hilton Honors Debit Card. Authorised spend using your Hilton Honors Debit 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 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 Hilton Honors Debit 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 Hilton Honors Debit Card services are:

The Hilton Honors Debit Card is a subscription debit card that enables users to earn Hilton Honors Points as they spend in the UK and internationally. For details on how Hilton Honors Points are earned please see the Earning Points section below.

Currensea charges a subscription for its services. Please see the Pricing Plan section below.

The Hilton Honors Debit Card is also designed to save you money on international purchases. Our Realtime Exchange Rates can be found here.

Please note that the 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 rate via our website or mobile app.

Whenever you make an exchange using your Hilton Honors Debit 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.

 

Using Currensea

When using your Hilton Honors Debit Card to make a transaction, you must have enough funds available in your linked Bank Account. We’ll 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 Hilton Honors Debit Card is not a credit card and is not intended for borrowing.

You will need the Hilton Honors Debit Card mobile app to authenticate online payments. 

If the Direct Debit or Faster Payment is unsuccessful, we’ll 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 and apply a compounded monthly fee of 25% on funds outstanding after 30 days (at the original unsuccessful payment date, and which will include the late payment fee). Your Hilton Honors Debit 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.

You can keep track of how much you are spending via the transaction list in your mobile app.

Spend on your Hilton Honors Debit Card is subject to our Fair Use Policy. We may block a transaction if:

1. We suspect any criminal or fraudulent activity on your Hilton Honors Debit Card (to protect you)
2. We’re not legally allowed to process the transaction
3. The transaction takes you over your Currensea spend limits
4. You don’t have enough funds in your linked Bank Account
5. we’ve had to apply a fee due to uncollected funds
6. Your spend is not in-line with our Fair Use Policy
7. 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.

 

Limits

Spend limits will be based on your balance and transaction history, as well as other profile or business information.

Your spend limits can be viewed in your mobile app. These limits may change over time, and we will let you know if they do. Please note, your Hilton Honors Debit Card cannot be used for ATM withdrawals in the UK

Please contact us at help.hiltonhonorsdebitcard@currensea.com if you want to discuss your limits.

 

Keeping your card safe

You must always keep your Hilton Honors Debit 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 Hilton Honors Debit Card Account.

If your Hilton Honors Debit Card is lost or stolen, or you see unrecognised transactions, you must freeze it immediately via your Hilton Honors Debit Card mobile app and contact us at help.hiltonhonorsdebitcard@currensea.com as soon as possible. If you need a new card, we may charge you £5 for a replacement.

We’ll usually refund you for any unrecognised transactions, unless:

1. You didn't keep your Hilton Honors Debit 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 Hilton Honors Debit 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 your Hilton Honors Debit 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.hiltonhonorsdebitcard@currensea.com as soon as possible. If you have been a victim of fraud, we will usually refund any money you have lost, unless 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:

1. Your goods do not arrive
2. Your goods arrive damaged
3. Your goods are different from how they were described
4. The merchant has ceased trading

If you need to raise a chargeback, please contact us at help.hiltonhonorsdebitcard@currensea.com.

 

Marketing preferences

By providing your contact details and opting in to receive marketing communications, you consent to receive marketing materials from us and the Hilton Honors Program. You can opt out at any time. For more details please see our Privacy Policy.

 

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 Hilton Honors Debit 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 customer and are limited to one offer per customer unless otherwise explicitly stated. 

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.

 

Our Hilton Honors Debit Card Plans

We 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 term. No right to cancel within 14 days of sign-up (i.e. no cooling off period) exists. Payment is collected via your Currensea 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 Hilton Honors Points and/or introductory or LTOs, you will not be entitled to a full or partial refund. 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 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.hiltonhonorsdebitcard@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 this agreement

This agreement will be available on our website and through your Hilton Honors Debit Card 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.hiltonhonorsdebitcard@currensea.com. Once we have checked there are no uncollected payments, we'll close your Hilton Honors Debit Card Account.

 

Ending the agreement

To close your Hilton Honors Debit Card Account and cancel your Hilton Honors Debit Card, you need to get in touch with us by emailing help.hiltonhonorsdebitcard@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 it, your Hilton Honors Debit Card won't work and you won't be able to access your Hilton Honors Debit Card mobile app.

We can end the Currensea agreement (and stop providing any services) by giving you at least two months' notice. We may end the agreement or stop you using your Hilton Honors Debit Card immediately (and retain any subscription paid and continue to recover any outstanding payments) if we believe you've:

1. Broken any terms of this agreement or website terms of use
2. Failed to provide satisfactory Know Your Customer (KYC) information or fulfil any due diligence requirement
3. Used your hilton honors debit card account to break or attempt to break the law
4. 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
5. Put us in a position where we might break the law or fail to fulfil our legal or regulatory obligations
6. Been abusive to anyone at currensea or a member of our community
7. Tried to access a hilton honors debit card account other than your own
8. Allowed anyone else access to your hilton honors debit card, currensea dashboard or mobile app
9. Attempted to get around usage restrictions set by your bank account
10. Where there has been a failed payment from your bank account
11. Where we reasonably believe (in our sole discretion) that your hilton honors debit card account fails or falls outside of our fraud and risk modelling assessment

 

General legal information

Who is this agreement between?
This agreement is between Currensea and you. You can’t transfer any rights or obligations under it 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 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, mobile application 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.

 

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.

 

Welcome Bonus

We may offer a welcome bonus to new customers from time to time based on certain spend or other criteria. No welcome bonus will apply when a current Cardholder or a former Cardholder signs up to a new subscription plan.

Upgrade or Downgrades of Pricing Plans

Upgrading your plan

Cardholders of the basic Hilton Honors Debit Card can upgrade to the Hilton Honors Plus Debit Card plan at any point in time. On upgrading, the Cardholder will be billed the full annual membership for the Hilton Honors Plus Debit Card, and their new renewal date will be twelve months from the date their new Hilton Honors Plus Debit Card subscription commences.

The Cardholder will also receive a fractional refund relating to their original plan, equal to the number of full months remaining until their original card subscription. E.g. customer signs up to the basic Hilton Honors Debit Card on 15 October 2025, and then requests to upgrade to the Hilton Honors Plus Debit Card on 5 June 2026. This customer would be entitled to a refund for the residual 4 complete months between 15 June and 15 October, equating to GBP 20. This refund would be issued by Currensea on receipt of the GBP 150 subscription for the customer’s new Hilton Honors Plus Debit Card. The customer’s new renewal date will become 5 June 2027. No welcome bonus will apply to upgrades. 

Downgrading your plan
Hilton Honors Plus Debit Card Cardholders can downgrade their plan to a basic Hilton Honors Debit Card, but only on their 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 will apply to downgrades.

 

Earning Points

By spending with your Hilton Honors Debit Card, you will be able to earn Hilton Honors Points for every £1 of eligible spend as follows:

To receive the accelerated Hilton Earn Rate for charges made at the time of booking, the booking must be made directly through a reservation channel operated by Hilton. Eligible spend at Hilton and Hilton Grand Vacation Properties, whether in the UK or Overseas, may include room bookings and charges made on the Hilton hotel property, such as at restaurants, spas, and other establishments operated by Hilton.  

Points will accumulate with each eligible transaction, and will be attributed to the cardholder’s underlying Hilton Honors account periodically. The attribution of points is provisional and subject to verification.

All transactions are subject to our Fair Use Policy and we reserve the right to disqualify transactions or cardholders from accruing points via the Hilton Honors Debit Card if found to be in breach of this policy or these Terms and Conditions.

We reserve the right to amend the quantum of points associated with each Earn Rate, or any other Earn Rate applicable at a given time.

 

Hilton Honors Status

You will receive instant Hilton Honors Silver Status with your Hilton Honors Debit Card. If your Hilton Honors Debit Card is cancelled for any reason, your instant Hilton Honors Silver Status provided with the Card will be cancelled. Hilton reserves the right to change, modify or revoke instant Silver Status at any time. If your instant Silver Status is cancelled, you may be able to maintain your Silver Status by qualifying under the Hilton Honors Program terms. Silver Status benefits are subject to availability and vary by hotel.

You will receive instant Hilton Honors Gold Status with your Hilton Honors Plus Debit Card. If your Hilton Honors Plus Debit Card is cancelled for any reason, your instant Hilton Honors Gold Status provided with the Card will be cancelled. Hilton reserves the right to change, modify or revoke instant Gold Status at any time. If your instant Gold Status is cancelled, you may be able to maintain your Gold Status by qualifying under the Hilton Honors Program terms. Gold Status benefits are subject to availability and vary by hotel.

For more information on Hilton Honors Status benefits or how to maintain Status each year with qualifying stays, nights or Hilton Honors Points through the Hilton Honors Program, visit HiltonHonors.com/MemberBenefits and Hilton.com/en/hilton-honors/benefit-terms/. The Hilton Honors Program, including the benefits of Hilton Honors Membership, are subject to Hilton Honors Terms and Conditions; see Hiltonhonors.com/terms.

 

Point Booster

Cardholders have the option to activate the “Point Booster” feature in their mobile app. When activated, it allows cardholders to round-up eligible transactions to the nearest 10p and thereby purchase points at a rate of 1 point / £0.01. See our help section for more examples.

This feature can be disabled by the cardholder at any time. As with the underlying transaction, this feature is subject to our Fair Use Policy and all points purchased 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.

 

Fair Use Policy

In order to ensure that you get the best experience using the Hilton Honors Debit 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:

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

If your Hilton Honors debit card has been limited or blocked and you disagree with our decision, please get in touch 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, Hilton Honors Points cannot be earned on certain non-personal spend and certain categories of personal spend. Ineligible spending categories include but are not limited to:

1. Any payment of UK or European taxes, including HMRC, council tax and any equivalent foreign taxes;
2. UK or European rent or mortgage payments;
3. Payment of card fees;
4. ATM cash withdrawal abroad (for avoidance of doubt, UK ATM cash withdrawal is not supported by the card);
5. Payments in relation to financial products;
6. Cash recycling schemes;
7. Payment of UK or European school, university, or other educational fees;
8. Obtaining cash through a transaction which the cardholder knows will be treated as a purchase of goods and services; and
9. Using the card at a retailer that the cardholder controls.

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

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 the Hilton Honors Debit Card Account ​Terms and Conditions​. If you do not understand any of the glossary terms, please contact us at help.hiltonhonorsdebitcard@currensea.com and we will be happy to explain.

Glossary Terms

 

Agreement	The agreement between You and Currensea
ATM	Automatic Teller Machine – a cash machine
Authorised	Any transaction made using your Hilton Honors Debit Card is deemed to be authorised spend
Bank Account	Your Bank Account linked to your Hilton Honors Debit Card Account
Business Day	A day on which banks are open for business in London (weekdays), excluding weekends and bank holidays
Cardholder	A customer who has a valid Hilton Honors Debit Card Account
Chargebacks	A Mastercard service that enables you to claim a refund where; your goods do not arrive, are damaged, are not how they were described, or where the merchant has ceased trading
Co-Brand card	Earn points with a partner of your choice when you spend
Corporate Benefit Card	A staff benefit, which also helps charitable causes
Currensea	This is us!
Currensea Services	Different card services available on the Currensea Platform including: Currensea Direct Debit Travel Card, Charity Card, Co-Brand Card, Corporate Benefit Card and BuildMyCreditScore pilot (previously TotallyMoney) Debit Card
Currensea Direct Debit Travel Card	Letting you make international and domestic purchases as well as money transfers
CVC	CVC stands for card verification code. It’s the 3 digit number on the back of your card used as an extra security measure to verify your card-not-present transactions
Earn rate	This is the rate at which you can earn Hilton Points for every £1 of eligible spend
Email Address	The email address that you used to register for your Hilton Honors Debit Card Account
Gross Negligence	A very significant degree of carelessness
Hilton Honors Debit Card Account	Your Hilton Honors Debit Card and mobile app (references to Hilton Honors Debit Card also refer to the Hilton Honors Plus Debit Card, unless otherwise specified)
Hilton Honors Debit Card	Your Mastercard debit card connected to your Hilton Honors Debit Card Account (references to Hilton Honors Debit Card also refer to the Hilton Honors Plus Debit Card, unless otherwise specified)
Hilton Honors Points	Hilton Honors Points that can be redeemed with Hilton or one of its partners
Hilton Honors Program	A frequent guest program which allows qualified to earn Point credits redeemable for various rewards.
Merchant	A company or retailer selling goods or services
Overseas	Means any eligible foreign currency spend (including e-commerce transactions)
Payment Institution	This is a business that makes electronic payments on behalf of their customers and it is the type of business that We are. Our payment processes are governed by the Payment Services Regulations 2017 (PSRs 2017) and the Electronic Money Regulations 2011 (EMRs), and we are regulated by the Financial Conduct Authority
OTP	A one-time password (OTP) is an automatically message sent via text message or generated by an authenticator application which allows you to approve a single transaction or login session.
PIN	Your Personal Identification Number – required to use your Hilton Honors debit card
Privacy Policy	Our privacy policy is available here
Realtime Exchange Rate	The Currensea real-time foreign exchange rate made available to cardholders, which can be found here
T&Cs	These Currensea Terms and Conditions
Transactions	A card transaction you have made using the Hilton Honors debit card. See “Authorised Transactions”