We are aware there has been a technical issue with a number of direct debits that were due on the 1st and 2nd April. We are working to rectify the problem and customers need take no further action. Payments will be taken automatically on the 7th or 8th April. We sincerely apologise to all of our customers for any inconvenience caused. If you believe you have been impacted by this problem and have any concerns please contact us on 02380 215298, or by email to collections@southernfinance.co.uk

Redemptions Privacy Notice

We at Raphaels Bank are the issuer of the Avuba, 3V, Anytime and PayTop cards. Your use of this card was formerly managed by our partners Avuba, 3V, Anytime and PayTop who have since closed. As a result of this closure your card is no longer working. We have therefore taken over the responsibility for the management of the account including redeeming any funds.


In providing you with the Avuba, 3V, Anytime and PayTop cards, we receive, use and share personal data about you. The information contained in the Privacy Notices attached below tells you how your personal data is collected, used and shared by Raphaels Bank.



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The new Privacy Notice will supersede any other notices or provisions in an agreement or terms and conditions which may exist between yourself and Raphaels Bank.

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