I am afraid it doesnt work like that at all. After they sent me the card - even though I hadnt submitted my details, I was then able to phone customer services and find out information. The only way you can top up is via cash, debit card or transfer, to top up with a cheque you go into one of their Cash Shops and cash your cheque at extortionate prices and then top up with cash. I then told them that wasnt acceptable and cancelled my card.
My main concern was why they used my details even though I hadn't submitted