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5AMLD Explained - How new EU regulations impact One4all Gift Cards

As of 10th January, new EU regulations affect the sale and use of One4all Gift Cards in the UK and Irish markets.

Why it affects One4all Gift Cards

For maximum security of funds and spending flexibility, the One4all Gift Card operates as an E-Money product on the Visa platform. This means that, unlike gift card products that are not governed by regulations, funds on your One4all Gift Card are held securely and segregated, and can be spent in thousands of different stores.


The 5th Anti-Money Laundering Directive (5AMLD)

The 5th Anti-Money Laundering Directive, which took effect on 10th January 2020, restricts the sale and use of anonymous prepaid cards (including the One4all Gift Card) in one key way: classic ‘swipe to spend’ One4all Gift Cards sold after 10th January 2020 are limited to a maximum balance of £120 per card.


Introducing the Chip & PIN One4all Gift Card for Businesses

Corporate clients wishing to reward their staff with a gift card worth more than £120 will soon be able to do so with the new Chip & PIN One4all Gift Card. Coming soon, this new product will offer increased security and a maximum value of £400. Recipients will be able to spend this gift card in-store or online with any One4all retailer following a brief ID verification process.


Find out more

The full text of the EU’s 5th Anti-Money Laundering Directive is available here.

If you have any questions about this change, please feel free to contact us at or 03700 84 4444.