PREPAID CARDS - COMPARE PREPAID CREDIT CARDS (Pay As You Go)

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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

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

Pockit
Pockit

Mastercard£0.99£0.00£400.00£0.99£0.99£0.99Top Up

Top Ups

Pockit
Pockit is a unique prepaid MasterCard® which gives consumers the combined benefits of a prepaid card and savings on key areas of household expenditure, such as Insurance, Utilities, Broadband, Holidays, Travel, High Street shopping and optical and dental care. There is no credit application required and it is a safe way to spend your money either online or in-store. DETAIL INFORMATION >>Advantages

Advantages

1.3 additional cards for free 2.Earn cashback 3.Quick online applicatiopn without credit checks


Disadvantages

Disadvantages

Not available if you are under 18 years old

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

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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Going On Holiday – Why Not Get A Prepaid Currency Card

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