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Cookie Policy | Card One Money

Last updated: September 2026
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This Cookie Policy explains how Card One Money uses cookies and similar technologies on our website. It is designed to meet the requirements of the Privacy and Electronic Communications Regulations 2003 (PECR), the UK General Data Protection Regulation (UK GDPR), and the guidance of the Information Commissioner’s Office (ICO).
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This policy should be read alongside our Privacy Policy, which explains how we handle the personal data we collect about you (including any personal data collected through cookies).

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1. What is a cookie?

A cookie is a small text file that is placed on your device (computer, tablet or mobile phone) when you visit a website. Cookies are widely used to make websites work, to make them work more efficiently, and to provide information to the operator of the site.

We also use similar technologies that perform the same or comparable functions, including web beacons, pixels, tags, software development kits (SDKs), local storage and session storage. In this policy, “cookies” refers to all of these technologies.

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2. Categories of cookies we use

We group cookies into five categories, matching the choices presented on our cookie banner. The categories determine when your consent is required:

  • Necessary. These are strictly necessary to operate or deliver the service you have asked for and, for that reason, do not require your consent.
  • Functionality. These enable basic interactions and functionalities that allow you to access selected features of our service and facilitate your communication with us.
  • Experience. These help us to improve the quality of your user experience and enable interactions with external content, networks and platforms.
  • Measurement. These help us to measure traffic and analyse your behaviour to improve our service.
  • Marketing. These help us to deliver personalised ads or marketing content to you, and to measure their performance.

All categories other than Necessary are set only with your consent.

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3. How we obtain your consent

When you visit our website for the first time, we display a cookie banner. The banner allows you to:

  • Accept all cookies, including all non-essential categories;
  • Reject all non-essential cookies (Necessary cookies will still be set, as they are required for the website to function);
  • Manage your preferences by selecting which categories of non-essential cookies you wish to allow.

Non-essential cookies are not set on your device until you give consent. The “Reject all” option is presented with equal prominence to the “Accept all” option. You can change your mind at any time – see section 4.
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Where cookies process your personal data, the lawful basis for that processing is your consent. You can withdraw your consent at any time without affecting the lawfulness of processing carried out before withdrawal.

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4. How to manage or withdraw your consent

You can review and change your cookie preferences at any time by:

  • Using the cookie preference centre on our website, accessible from the “Cookie settings” or “Manage cookies” link in the footer of every page;
  • Adjusting your browser settings to block or delete cookies. Most browsers let you refuse some or all cookies, or be notified when a cookie is set. The exact method depends on your browser – see the help section of your browser for instructions.

Please note that if you block necessary cookies, parts of our website may not function correctly. If you block measurement or marketing cookies, you will still be able to use our website, but some content may be less personalised.

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5. The cookies we use

The table below lists the cookies that may be set when you visit our website. The list is reviewed regularly. The specific cookies set on your device will depend on which categories you have consented to and which areas of the site you visit.
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Note: Cookie names, providers and durations can change as we update our website and third-party services. If you would like an up-to-date list, or you cannot find information about a specific cookie, please contact us using the details in section 9.

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5.1 Necessary cookies

Cookie name Category Purpose Duration Party
__cf_bm Necessary Distinguishes humans from bots to protect the website from malicious traffic (Cloudflare bot management). 30 minutes Third party
cf_clearance Necessary Used by Cloudflare to identify trusted web traffic. 1 year Third party
OptanonConsent / cookie-consent Necessary Stores your cookie consent preferences so the website knows which cookies to set on subsequent visits. 12 months First party
OptanonAlertBoxClosed Necessary Records that the cookie banner has been closed so it is not shown to you again unnecessarily. 12 months First party
XSRF-TOKEN / csrftoken Necessary Cross-site request forgery protection for forms and authenticated requests. Session First party

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5.2 Functionality cookies

Cookie name Category Purpose Duration Party
wf-locale / language Functionality Remembers your selected language or region so that you see the appropriate version of the website. 12 months First party

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5.3 Experience cookies

We do not currently set any cookies in this category. If we begin to use cookies that personalise content or your experience on our site, we will update this table and seek your consent before they are set.

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5.4 Measurement cookies

Cookie name Category Purpose Duration Party
_ga Measurement Google Analytics: distinguishes unique users by assigning a randomly generated number as a client identifier. 2 years Third party
_ga_<container-id> Measurement Google Analytics 4: used to persist session state. 2 years Third party
_gid Measurement Google Analytics: distinguishes users for 24 hours. 24 hours Third party
_gat / _gat_UA-* Measurement Google Analytics: used to throttle the rate of requests to limit data collection on high-traffic sites. 1 minute Third party

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5.5 Marketing cookies

Cookie name Category Purpose Duration Party
_gcl_au Marketing Google Ads: used to measure advertising efficiency across websites using Google services. 3 months Third party
IDE Marketing Google DoubleClick: used to register and report your actions after viewing or clicking an ad, to measure ad performance and present targeted ads. 13 months Third party
test_cookie Marketing Google DoubleClick: used to check whether your browser supports cookies. 15 minutes Third party
fr Marketing Meta (Facebook): used to deliver, measure and improve the relevance of ads. 3 months Third party
_fbp Marketing Meta (Facebook): used to deliver advertising on Facebook or on a digital platform powered by Facebook advertising. 3 months Third party
li_sugr / lidc / bcookie Marketing LinkedIn: used for browser identification, advertising and analytics on LinkedIn campaigns. Up to 2 years Third party

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6. Third-party cookies

Some of the cookies described above are set by third parties when you visit our website. We are responsible under PECR for ensuring that your consent is obtained before non-essential third-party cookies are set via our site. The third parties are independently responsible for what they do with the data they collect through those cookies; for more information, please refer to their privacy notices:

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7. International transfers

Some of the third parties listed above process personal data outside the United Kingdom and the European Economic Area. Where this happens, the transfer is made under one of the safeguards set out in our Privacy Policy (section 8), which include a UK adequacy decision, the UK International Data Transfer Agreement (IDTA), or the UK Addendum to the European Commission’s Standard Contractual Clauses.

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8. Changes to this Cookie Policy

We may update this Cookie Policy from time to time to reflect changes to the cookies we use, our website, or applicable law. The date at the top of this policy shows when it was last updated. Where changes are material, we will draw them to your attention via the cookie banner or another prominent notice on our website.

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9. Contact us

If you have any questions about this Cookie Policy or our use of cookies, please contact our Data Protection Officer at privacy@equalsmoney.com, or by writing to Data Protection Officer, Equals Money UK Limited, 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London, EC4V 3BJ.

You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) at ico.org.uk.

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Card One Money is a trading style of Equals Money UK Limited.  Equals Money UK Limited is authorised as a Payment Institution by the Financial Conduct Authority (FCA) with Firm Reference Number (FRN) 504547. Company registered in England & Wales No.06268340. Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St, London, EC4V 3BJ. Cards are issued by Equals Money International Limited pursuant to licence by Mastercard International Inc. Equals Money International Limited is authorised as an Electronic Money Institution by the FCA with FRN 900493. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.