Encourage customers to build up a savings account towards the minimum balance requirement over a year and then refund the swipe fees paid during the year when the balance requirement is met (preferably into the savings account).
If you either owed the government a substantial balance or received a significant refund, you have some work to do on the tax segment of your cash flow management.
Shashi Verma, TfL's director of customer experience, said: ''Pay as you go Oyster cards do not expire and customers are able to return their cards to a Tube ticket office at any time for a refund of the remaining balance and card deposit.
People who know they're getting a refund tend to file as early as possible, while those with a balance due tend to file late in the season, IRS spokesman John Lipold said.