The Card & Payments Awards Announce 2018 Winners

Innovation, excellence and best practice celebrated at the premier awards for the UK and Irish card and payments industry.

1200 senior figures from the UK and Irish card and payments industries attended the thirteenth annual Card & Payments Awards to honour this years’ finalists and winners across a wide spectrum of categories.

The awards dinner and ceremony, held at The Grosvenor House Hotel was superbly hosted by the creator of Taskmaster, Alex Horne and his band, The Horne Section. The Card and Payments Awards recognises and rewards best practice, innovation and excellence in the Card and Payments Industry setting benchmarks for the industry to follow.

The event, once again, raised vital funds for the nominated charity. This year the industry supported the NSPCC raising an impressive £25,000 on the night.

A wide range of exceptionally high-quality entries were received from key participants and the winners of the awards came from a cross-section of the industry.  The Card & Payments Awards is delighted to celebrate women in payments this year with deserved recognition for Anne Boden with Industry Achievement Award and Alison Hutchinson being presented with the Judges’ Award.

The 2018 winners are:


Industry Achievement Award:                                  

Anne Boden, CEO, Starling Bank


Best Achievement in Customer Service:

Capital One – Principle Based Servicing: Empowering our People

Highly commended: Barclays – Barclays Cards Hub


Best Technology Initiative of the Year:                  

ClearBank – New Clearing Bank utilising Cloud technology and ISO20022


Best Initiative in Mobile Payments:                        

Worldpay – My Business Mobile – turning a smartphone into a payment device


Best Marketing Campaign of the Year:  

Sainsbury’s Bank – “Turning Milk into Movies”; how we helped communicate the benefit of reward and the luxury of choice


Best Security or Anti-Fraud Development:          

Capital One – TSYS Foresight Score℠ with Featurespace: real-time, machine learning customer fraud protection

Highly commended: UK Finance – The Banking Protocol


Best Achievement in Payments Processing

Bottomline Technologies – Enabling access to non-card payment rails for new digital players with Bottomline Technologies Universal Aggregator®


Best Business Card Programme:

Barclaycard – Reconnecting with small businesses


Best Design of the Year:              

Royal Bank of Scotland – Holt’s Military Banking Visa Debit Card


Best Alternative or Digital Payments Programme:           

eNett International – eNett International disrupts B2B travel industry with VAN technology


The Judges’ Award

Alison Hutchinson, CEO, Pennies


Best Industry Innovation of the Year:    

Saxo Payments – Banking Circle Virtual IBAN – the first multi-currency Virtual IBAN offered to the payments industry by a non-bank

Highly commended: Ethoca with Capital One & TSYS – Automating Fraud Loss Avoidance & Recoveries Creates a Better Experience and Cuts Costs


Best Benefits or Loyalty Programme of the Year:             

Coutts – Coutts re-launched its Silk Card Loyalty and Benefits programme with increased choice, flexibility, value and reward


Best Achievement in Retail Payments:  

Tesco Bank – Tesco Pay+


Best Achievement in TCF:           

Capital One – Championing Digital & Financial Inclusion


Best Payments Industry Newcomer:      

Nimbl – Inspiring financial confidence and independence for young people


Best Credit Card Product of the Year:    

Royal Bank of Scotland/ Natwest – RBSG Reward credit card


Best Prepaid Product of the Year:                           

Their Perfect Gift – Spend Anywhere Giftcard, issued by WireCard


Best Debit Card Programme of the Year:              



Best CSR Programme of the Year:           

One4all Gift Cards – Shop4Crumlin – A fun, inventive campaign to help raise funds for Crumlin Children’s Hospital


View a full list of winners and selected photos from the evening.


The independent judging panel of industry experts was chaired by Mr Roger Alexander. For a full list of judges please click here.

Michael Harty, Managing Director of The Card and Payments Awards, organisers of the Awards, “The evening is the culmination of a body of work by an industry obsessed with excellence and progression. All entrants should be very proud of their contribution to this process.

Critically, the main beneficiary of this awards process is the consumer. The recognition of ‘what’s best’ creates new industry benchmarks to which everyone can aspire. I am not certain what is more commendable than that.”

The Card & Payments Awards enjoy the support of prime sponsor TSYS and silver sponsor Ingenico.

Award category sponsors are American Express, Discover Global Network, Experian, FICO, First Data, Gemalto, Mastercard, Visa and Worldpay. The Champagne Reception was sponsored by Contis and the After–Show party was sponsored by Ethoca.  The entry process for The Card & Payments Awards 2019 will be launched in June 2018.

The Card & Payments Awards will issue a comprehensive award Winner’s e-magazine including event photos to be mailed in March 2018. To receive a copy please send your email address to


Award Sponsors