Hi, completely clueless with all things regarding credit cards and prepaid cards but the STA travel card looks quite good. No fees for use abroad (Card transactions not cash withdrawals) which is a massive bonus for me as I am going travelling soon.

http://www.statravel.co.uk/cps/rde/xchg/uk_division_web_live/hs.xsl/cashcard_21597.htm

Just wanted to ask about the bank transfer method used to top up these types of card, since this option is free on this card is it possible to top up using my online banking service say RBS? I would like to get around the 3% top up fee using a debit/credit card top up which is also online but through their stand alone online service.

Any advice mucho appreciated

where will you be traveling to as if you are going to a Euros country or USA then Fairfax Can be good for that (they are even going to give you a bit of free cash "as we can only deliver in multiples of $20, the amount shown has been rounded up."