Co-op gift card terms and conditions

Gift cards should be treated like cash – we cannot be held liable for lost, stolen or damaged cards, any credit amounts on such cards or fraudulent use of your card. The gift card is not a cheque guarantee, credit or charge card and no interest is paid on gift card balances. The gift card can be used in any Co-operative Group food store within the UK and the balance on the card may be used for in-store purchases in full or part payment for goods (excluding lottery, fuel or third party concession products or services) at any time whilst the card is valid. You must present the gift card at the checkout to use the balance. Unfortunately at this time you cannot use the card when shopping online. You can activate your card, check your balance and (if your card is reloadable) load more funds of a minimum of £1 up to a total balance of £1000 at the checkout. The amount deposited on or redeemed from a card will be shown on the till receipt after each use, which you should keep.

No change can be given from the card or the balance on the card exchanged for cash. If any item purchased with a card is exchanged or refunded by us, any money owed will be added to the balance on the gift card.

The card remains valid for a period of 24 months from your last transaction (including balance enquiries). You will not be able to use your card after the end of this period and any unused balance on the card will be lost.

Please be aware that if you purchase the card online and the item goes missing in the post, we are not liable to replace, compensate or refund any funds that may have been lost. If you selected 'Standard Recorded' delivery, we will investigate this for you and provide you with relevant information.

We reserve the right to amend the gift card terms and conditions, to cancel or refuse to accept a gift card where we have reason to believe it is being used fraudulently or otherwise without authorisation or discontinue the card scheme at any time. A refund may be offered in appropriate circumstances.

Nothing in these terms and conditions shall affect your statutory rights. We will not keep money deposited on cards separate from our own funds. Card balances are not covered by the Financial Services Compensation Scheme or the Financial Ombudsman Service. We issue the cards. We are Co-operative Group Limited, 1 Angel Square, Manchester, M60 0AE, a society registered in England and Wales with registration number 525R.