PREPAID CARDS - COMPARE PREPAID CREDIT CARDS 

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Prepaid cards are quickly becoming the credit card alternative. Prepaid cards can offer you a convenient way to access or transfer money if you have a poor or nonexistent credit rating, are travelling, are under 18 or need to transfer money abroad. The way they work is you top up the card with an amount of your choice and then you are free to spend and use the card as you would any other card. Once the funds have been spent you have to top up the card to use it again. These cards are very easy to get hold of. Because prepaid cards do not offer credit facilities, you won't need to pass a credit check, and online approval for prepaid credit cards can be as quick as a few minutes. As there are so many different types of prepaid cards available all with a variety of different features it makes sense to compare prepaid cards to find the one best suited to you. You can compare prepaid cards in the table below in the table below.

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CARD NAMEISSUER

ISSUER

Card Issuer

COST

COST

Cost of prepaid card

MONTHLY FEE

MONTHLY FEE

Monthly fee on credit card

MAX BALANCE

MAX BALANCE

Maximum balance you can load onto your card

FX FEE

FX FEE

Foreign exchange fee on foreign purchases

PURCHASE FEE

PURCHASE FEE

Fees on purchases

ATM FEE

ATM FEE

Fees for withdrawing cash at ATMs

TOP UPS

TOP UPS

Methods and cost topping up the card

MORE INFO

Orange Cash Prepaid Card
Orange Cash Prepaid Card

Mastercard£5.00£0.00£5,000.002.75%0%2.95%Top Up

Top Ups

BACS. (Rate: 0%)
Internet. (Rate: 0%)

Orange Cash Prepaid Card
Get The Orange Cash prepaid MasterCard for £5, load it with cash and use it just like a credit or debit card online and in the shops. As you spend earn rewards and have peace of mind that you will only spend the money that you have put on the card, so there is less chance that you spend more than you bargained for. When you spend Orange Cash instead of notes and coins you collect one point for every £1 you spend, then exchange your points for rewards. Please read the terms and conditions. DETAIL INFORMATION >>Advantages

Advantages

1. It’s a pre pay debit card, a bit like an Oyster card 
2. Use it anywhere you see the MasterCard mark including online
3. No credit check and no debt as you can’t spend more than you load
4. Contactless technology means you can use it for small payments without tapping in your pin number (in certain retailers)
5. Anyone over 13 can get a card
6. Rewards are earned on each spend that can be used for airtime on an Orange PAYG phone
7. Load card in Orange stores (for free), online, at the Post Office and PayPoint outlets
8. Parents may want to give it to their children as a pocket money card, students may want to so that family can load money onto for them or you might want to put your holiday spending money on it and in general it can be used to budget certain spend e.g. lunch money


Disadvantages

Disadvantages

1. £1.50 fee transaction on internet banking
2. Identity check required for full card

ClearCash Pay As You Go
ClearCash Pay As You Go

Mastercard£4.95£0.00£5,000.002.75%2.5%£0.75Top Up

Top Ups

BACS. (Rate: 0%)
Paypoint. (Rate: 3%)
Wages. (Rate: 0%)

ClearCash Pay As You Go
The ClearCash Prepaid card now offer a pay as you go tariff so you can choose the best card plan to suit your needs. With the ClearCash prepaid cards there is no monthly fee and you can earn cashback on purchases. This card is ideal for occasional use. Before you apply for a prepaid card it is important that you consider your financial circumstances carefully. Work out which prepaid card is best for you. Make sure that you read the terms and conditions carefully so that you understand your financial obligations before you apply. DETAIL INFORMATION >>Advantages

Advantages

1. No monthly fee.
2. Ideal for occasional use.
3. Earn cashback on purchases.
4. Free SMS balance checking service.
5. 24/7 free email customer services.


Disadvantages

Disadvantages

1. There is a 2.5% charge to buy goods in a shop
2. ATM withdrawal fee £0.75

ClearCash Pay Monthly
ClearCash Pay Monthly

Mastercard£4.95£9.95£5,000.002.75%0%£0.50Top Up

Top Ups

BACS. (Rate: 0%)
Cheque. (Rate: 0%)
Paypoint. (Rate: 3%)
Wages. (Rate: 0%)

ClearCash Pay Monthly
Features – Unique online “BudgetMaster” tool, downloadable budgeting packs, SMS Balance Checking, Purchase Protection Package, NEW Cheque to Card loading facility, Discount shopping site, Can be loaded for FREE at Post Offices or by bank transfer, at PayPoint (3% fee) Salary Load (Free), Cheque to Card loading (fees apply. Only £4.50 to £5.00 to buy card and now accepted everywhere the MasterCard logo is found, this is a great card for every day use! Please read the terms and conditions carefully before applying. DETAIL INFORMATION >>Advantages

Advantages

1. Free Top up at Post Office and by BACS Bank transfer.
2. Fantastic Budgeting tool "BudgetMaster".
3. Full Purchase Protection Package.
4. FREE SMS balance checking service.
5. 24/7 Free Email Customer Services.
6. Full online bill payment facility and standing orders.
7. Downloadable Budgeting packs.
8. "Ask The Experts" FAQ page.
9. Blogs, vodcast and client review area.
10. Online Livechat facility.
11. Most transparent of providers.
12. Discount shopping site


Disadvantages

Disadvantages

Overseas transactions 2.75% .
Overseas ATM withdrawals £1.50 + 2.75% of value.
Overseas Cash Advance Fee £1.50 + 2.75% of value.

CardOneBanking Current Account
CardOneBanking Current Account

Mastercard£30.00£12.50£25,000.002.75%0%0%Top Up

Top Ups

BACS. (Rate: 0%)
Bank. (Rate: 0%)
Wages. (Rate: 0%)

CardOneBanking Current Account
Onebanking is both a banking facility and a Prepaid card that's open to everyone. Irrespective of your current situation or past credit history. There are no credit checks! You will also get a personal account manager to help you manage your money. Before you apply for a prepaid card it is important that you consider your financial circumstances carefully. Work out which prepaid card is best for you. Make sure that you read the terms and conditions carefully so that you understand your financial obligations before you apply. DETAIL INFORMATION >>Advantages

Advantages

Bank Account and Prepaid Card - with no Credit checks
No purchase Fee
No UK ATM Fee
No Top Up Fees
One to One account manager available
Billing account allows a max balance of £25,000
You earn interest on any money held in your billing account


Disadvantages

Disadvantages

£30 application fee
£12.50 Monthly Fee

Kalixa Prepaid Mastercard
Kalixa Prepaid Mastercard

Mastercard£6.95£0.00£9,000.002.75%0%£1.75Top Up

Top Ups

BACS. (Rate: 1.99%)
Internet (Credit). (Rate: 0%)
Wages. (Rate: 0%)

Kalixa Prepaid Mastercard
Kalixa is the combined prepaid MasterCard and eAccount that puts users in control of their cash. New cardholders can get started by depositing as little as £10 - which covers the one time registration fee of £6.95. With Kalixa there are NO monthly account charges and NO charges on transactions using the MasterCard at POS or online. Before you apply for a prepaid card it is important that you consider your financial circumstances carefully. Work out which prepaid card is best for you. DETAIL INFORMATION >>Advantages

Advantages

1. Save £ when travelling with Kalixa - No FX Fees
2. Everywhere MasterCard is accepted - Kalixa is.
3. Be secure on the high street.
4. No monthly account fee.
5. No charges on transactions using the MasterCard at POS or online.
6. No credit checks
7. Cardholers can aso choose their four digit PIN number at registration.
8. Maximum limit of £9,000


Disadvantages

Disadvantages

1. The card is valid for a period of 24 months from the date of issue.
2. £12 - may be applied in cases where your disputed transaction claim has not been successful

Skrill Card
Skrill Card

Mastercard£8.30£0.00£100,000.002.49%£1.49£1.49Top Up

Top Ups

Bank. (Rate: 0%)
Cheque. (Rate: 0%)
Internet (Credit). (Rate: 1.9%)
Internet (Debit). (Rate: 1.9%)

Skrill Card
The Skrill Prepaid MasterCard® is accepted worldwide like any other MasterCard and can be used for safe and secure online shopping, gaming, easy money transfer, traveling abroad and at cash machines around the globe. Manage your budget by loading only what you need and tracking your expenses easily with your Skrill account. Application is simple and fast – credit checks are not carried out and there is no minimum top-up! DETAIL INFORMATION >>Advantages

Advantages

1. Access your funds offline anytime and anywhere a MasterCard card is accepted.
2. Shop online without the worry of using your credit or debit card.
3. Manage your budget by loading only what you need


Disadvantages

Disadvantages

Withdrawal fee

Cashplus Prepaid Gold MasterCard
Cashplus Prepaid Gold MasterCard

Mastercard£4.95£4.95£5,000.002.75%£1.00£2.00Top Up

Top Ups

BACS. (Rate: 0%)
Wages. (Rate: 0%)

Cashplus Prepaid Gold MasterCard
With no credit check or bank account required, the cashplus prepaid gold MasterCard® offers 100% acceptance guaranteed*. No matter what your credit history, with your cashplus gold card it’s easy to keep tight control of your budget, there’s no unexpected charges or late payment fees as you only spend what you top up into your account. This card comes with an award winning Creditbuilder, which could help improve your credit rating at no extra cost. Read the terms and conditions carefully. DETAIL INFORMATION >>Advantages

Advantages

1. No credit checks
2. No links to your bank account
3. No contracts or tie-ins
4. No interest or penalties to pay


Disadvantages

Disadvantages

1. Monthly fee of £4.95

Bread Prepaid Card
Bread Prepaid Card

Mastercard£7.50£0.00£3,500.001.22%2%£1.50Top Up

Top Ups

BACS. (Rate: 0%)
Paypoint. (Rate: 3%)
Wages. (Rate: 0%)

Bread Prepaid Card
Features - 3 choices of prepaid cards design, can be bought by mobile phone SMS, up to 10% cashback at over 900 online shops. Can be loaded for FREE at Post Offices or by bank transfer. FREE SMS balance checking service also. Only £7.50 to buy card and now accepted everywhere the Mastercard logo is found. Work out which prepaid card is best for you. Make sure that you read the terms and conditions carefully so that you understand your financial obligations before you apply. DETAIL INFORMATION >>Advantages

Advantages

Free Top up at Post Office and by BACS Bank transfer
No monthly fee
Flat £1.50 fee for card to card transfer
FREE SMS balance checking service
24/7 Free Email Customer Services


Disadvantages

Disadvantages

UK Purchase fee of 2% of transaction value
Customer Service calls are expensive

Virgin Prepaid Mastercard - Pay As You Go
Virgin Prepaid Mastercard - Pay As You Go

Mastercard£9.95£0.00£3,500.003.5%2.95%2.95%Top Up

Top Ups

Virgin Prepaid Mastercard - Pay As You Go
The Virgin Prepaid Card is ideal for young people to carry money. No surprises at the end of the month, no interest to pay, no getting into debt. No credit checks are carried out and no bank account is needed. You can pay with it in over 200 countries. Cardholders benefit from great discounts with Virgin companies and partner shops. DETAIL INFORMATION >>Advantages

Advantages

1.Discounts on many Virgin products
2.Free Post Office Top Ups
3.No purchase fee when used


Disadvantages

Disadvantages

Card transaction 2.95%

Virgin Prepaid Mastercard - Pay Monthly
Virgin Prepaid Mastercard - Pay Monthly

Mastercard£9.95£4.75£3,500.002.95%0%£1.50Top Up

Top Ups

BACS. (Rate: 0%)
Internet (Credit). (Rate: 2.5%)
Internet (Debit). (Rate: 0%)
Paypoint. (Rate: 2.75%)

Virgin Prepaid Mastercard - Pay Monthly
If you need a smarter way for you or your kids to carry cash, check out the Virgin Prepaid Card. No bills, no interest and no danger of going over budget. No bank account needed and no credit checks. Plus it’s accepted in over 200 countries – just look for the MasterCard sign. And as a customer, you’ll get great discounts with Virgin companies and other top brands. DETAIL INFORMATION >>Advantages

Advantages

1.Discounts on many Virgin products
2.Free Post Office Top Ups
3.No purchase fee when used
4.No card transaction charges in the UK with 'Pay monthly


Disadvantages

Disadvantages

Monthly fee of £4.75

Moneybookers prepaid MasterCard
Moneybookers prepaid MasterCard

Mastercard£8.62£0.00£100,000.001.99%0%£1.55Top Up

Top Ups

BACS. (Rate: 0%)
Bank. (Rate: 0%)
Internet. (Rate: 0%)

Moneybookers prepaid MasterCard
The Moneybookers MasterCard card is a reloadable prepaid card which is linked to your Moneybookers account balance. You can use your prepaid card everywhere MasterCard cards are accepted, online and on the high street or withdraw cash at ATMs. The Moneybookers Mastercard is usable in 200 countries and there is no extra fee for international use. Make sure that you read the terms and conditions carefully so that you understand your financial obligations before you apply. DETAIL INFORMATION >>Advantages

Advantages

1. No bank account needed
2. No credit check
3. No tie-ins or monthly fees
4. No overdraft or late payment fees
5. Shop online.
6. Access to get great deals offered exclusively to Moneybookers customers
7. All EU countries


Disadvantages

Disadvantages

1. You must be 18 years old or over.

Tuxedo Pay Monthly Prepaid Card
Tuxedo Pay Monthly Prepaid Card

Mastercard£9.95£4.99£3,000.000%0%£0.50Top Up

Top Ups

Bank. (Rate: 0%)
Internet. (Rate: 3%)
Paypoint. (Rate: 3%)

Tuxedo Pay Monthly Prepaid Card
Tuxedo Pay Monthly - Monthly charge but fees are less on usage than the Tuixedo pay-as-you-go card. Better for regular users. DETAIL INFORMATION >>Advantages

Advantages

Free and unlimited purchases
UK ATM withdrawal only 50p
Card to card transfer only 20p
Free Bank load and paying in book


Disadvantages

Disadvantages

3% fee for Paypoint or online load
Max card balance of £3,000

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

Compare Prepaid Credit Cards

Stay in control of your finances with a prepaid card. Like a credit card but without the bills or credit checks get a prepaid card today!

Prepaid Cards –The Credit Card Alternative

Prepaid cards let you load cash on them and spend anywhere credit and debit cards are accepted. With a prepaid card if you haven’t loaded money on, you can’t spend on it.

Prepaid cards work like credit cards. You can use them to make purchases online, over the phone and in shops. However there is one big difference – you can only spend the money you have put on the card. You are not borrowing any money, there are no overdrafts and as such there are no credit checks.

Anyone can get a prepaid card, whether you are under 18, have a bad credit rating, or don’t do not have a bank account. There are no credit checks and it doesn’t’ matter if you have been refused a credit or debit card elsewhere.

Prepaid cards are widely accepted and can be used internationally. With most accounts you will be given an online account so you easily view your balance and transactions.

Watch out for Fees

Some prepaid cards will come with certain fees that are worth considering. It is common for a fee to be charged when you top on the card but this depends on the one you choose. You can also find there are application fees and replacement fees for ordering a new card. A few cards may also charge a monthly fee.

Many cards charge you for retail purchases or withdrawing from a cash machine. Please bear in mind that you can be charged considerably more for making transactions like this while abroad.

Make sure you compare Prepaid Cards

You can usually choose between a ‘Pay as you go’ or a ‘Pay monthly’ tariff and again these will have different features and charges that you should take into consideration.

As prepaid cards are becoming increasingly popular there are a wide range of prepaid cards available for you to choose from. Use the comparison table above to find the best prepaid card to suit your needs.

How to compare prepaid cards

When you are comparing prepaid cards the main thing to watch out for are the fees that you incur. Always ensure you read the terms and conditions so you know exactly what you are signing up for. You should also ensure you watch out for any restrictions that may be placed on the way you can spend on your card – things such as preapprovals at a petrol station. For this reason you must ensure you are able to use the card on payments you will require it for.

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