These are an absolute scam and I am convinced one day there will be an enquiry into this companies practices. On this occasion I received the restaurant one. £25 loaded on to the card not spent within one year and £25 expires. How is this allowed? The standard ones are a nightmare too, they take money off you each month you don't spend it but you have to know exactly how much is on it to be able to spend! Who has the time to go online to check such a thing when you are at the point of payment? I would never buy these and wish people wouldn't buy them for us as they are a complete waste of money.