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PREPAID CARDS

Another clever way to save a lot, by doing very little

Prepaid cards

Compare pre-paid cards with MoneySuperMarket and find the right deal for you - whether you're spending overseas, looking to improve your credit rating, or simply want to earn cashback and rewards.

Everyday prepaid cards - Ordered alphabetically A-Z

Prepaid cards for Euros - Ordered alphabetically A-Z

Caxton

Caxton Currency Card

  • Card fee

    Free

  • Transaction fee

    Free

  • UK ATM fee

    £1.50

  • International ATM fee

    Free

  • Monthly fee

    Free


Great for

  • Free multi-currency card. Hold 15 major currencies with no monthly fees, excellent rates and UK customer support
  • Use your card fee-free* at over 35 million locations globally and pay zero fees on overseas ATM withdrawals
  • The Caxton app lets you manage your finances from every corner of the globe. Check your balance, top up, or even block your card – at any time of day

But be aware that

  • You need to load a minimum of £10 to receive the card
  • The card needs to be activated online or via the app
  • *Caxton does not charge overseas ATM fees, but some ATM providers may charge their own fees to use
More Details

THE BASICS

  • Card issuer: PSI-Pay Ltd pursuant to a license by Mastercard® International Incorporated

  • Card type: MasterCard

  • The card is valid for 36 months

BENEFITS

  • Online account management

  • No fee on foreign transactions

  • Accepted online

CARD FEES

  • Card application fee - Free

  • Monthly service fee - Free

  • Annual service fee - Free

  • Card replacement fee - £5.00

  • Card cancellation fee - Free

  • Dormancy fee - £2.00pm if there have been no transactions, card loads or balance switches in the previous 12 months

TRANSACTION FEES

  • Foreign transaction Fee - Free

  • Purchase fee - Free

  • Internet Purchase fee - Free 

ATM WITHDRAWAL FEES

  • ATM withdrawal fee (UK) - £1.50

  • ATM withdrawal fee (International) - Free

ELIGIBILITY

  • You must be aged 18 or over

  • You must be a UK resident

You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.

    Currensea

    Travel Debit Card

    • Card fee

      Free

    • Transaction fee

      Free

    • UK ATM fee

      UK ATM withdrawals not allowed

    • International ATM fee

      Free

    • Monthly fee

      Free


    Great for

    • The UK's first travel money card that connects directly to your high street bank account: no top-ups, no pre-pay, no leftover balance and no need to open a new bank account
    • You can choose to contribute part of your savings on bank charges to plant trees or to recover ocean-bound plastics, helping offset the environmental impact associated with your travels
    • Works with all leading high street banks and supports all currencies. No hidden fees like weekend or dormant charges

    But be aware that

    • You must be over 18 years old and have a UK bank account
    • You can withdraw up to £1500 per month from international ATMs. UK ATM withdrawals not allowed
    More Details

    THE BASICS

    • Card issuer: Currensea

    • Card type: MasterCard

    • The card is valid for 60 months

    BENEFITS

    • Online account management

    • No fee on foreign transactions

    • Accepted online

    Benefits notes:

    • A new travel money card that connects directly to your high street bank account: no top-ups, no pre-pay. Works with all leading high street banks

    • You don't need an app or access to WiFi to operate the card

    • Supports all currencies

    CARD FEES

    • Card application fee - Free

    • Monthly service fee - Free

    • Annual service fee - Free

    • Card replacement fee - £5.00

    • Card cancellation fee - Free

    • Dormancy fee - n/a

    Card fee notes: 

    • 0.50% markup above interbank or Mastercard rates, no transaction charges, saves up to 85% vs your high street bank

    TRANSACTION FEES

    • Foreign transaction Fee - Free

    • Purchase fee - Free

    • Internet Purchase fee - Free 

    Transaction fee notes:

    Zero transaction fees

    ATM WITHDRAWAL FEES

    • ATM withdrawal fee (UK) - UK ATM withdrawals not allowed

    • ATM withdrawal fee (International) - Free

    ELIGIBILITY

    • You must be at least 18 years old

    • You must be a UK resident

    • You must have a UK high street bank account

    You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.

      Get £10 off when you load £250 or more, £15 off when you load £500 or more, and £40 off when you load £1000 or more. New customers only. T&Cs apply

      FairFX

      FairFX Currency Card

      • Card fee

        Free

      • Transaction fee

        Free

      • UK ATM fee

        £1.00

      • International ATM fee

        £1.00

      • Monthly Fee

        Free


      Great for

      • Free multi-currency card that lets you hold 15 major currencies with no monthly fees
      • Lock in some of the best rates available before you travel, or while you’re away, and spend in over 190 countries at 35 million locations*
      • Earn at least 3.5% cashback at some of the UK's most popular high street retailers and supermarkets. T&Cs apply

      But be aware that

      • You'll need to be a UK resident and aged 18 or over
      • *1.75% fee applicable on transactions that are not in one of the 15 card currencies
      • Card cancellation is free, but there is a £5 fee to redeem any remaining money left on the card
      More Details

      THE BASICS

      • Card issuer: Valitor Limited

      • Card type: MasterCard

      • The card is valid for 36 months

      BENEFITS

      • Online account management

      • Accepted online

      • Card delivered to you within 5 working days, ready to use at home and abroad

      Benefits notes:

      • One card with 15 currencies 

      • Lock in great rates and spend in more than 190 countries, wherever Mastercard is accepted

      • Your funds are securely held in a safeguarded account with Citibank

      • A friendly, UK-based team are available 7 days a week, 365 days a year

      CARD FEES

      • Card application fee - Free

      • Monthly service fee - Free

      • Annual service fee - Free

      • Card replacement fee - £6.00

      • Card cancellation fee - Free

      • Dormancy fee - £2.00 per month or currency equivalent on expired cards with leftover balances 

      Card fee notes: 

      • No fees applied when you pay in the UK or in any of the 15 currencies

      RELOAD OPTIONS

      • Debit Card - Free

      • Credit Card - Free

      Reload notes:

      Bank transfers onto account: Free

      TRANSACTION FEES

      • Foreign transaction Fee - 1.75%

      • Purchase fee - Free

      • Internet Purchase fee - Free 

      Transaction fee notes:

      A 1.75% out of currency fee is charged when you use the card in a different currency to what is held on the card – including ATM withdrawals

      ATM WITHDRAWAL FEES

      • ATM withdrawal fee (UK) - £1.00

      • ATM withdrawal fee (International) - £1.00

      ATM withdrawal fee notes: 

      • When you use your card at an ATM, you may also be subject to applicable fees, surcharge rules, and regulations of the relevant ATM, or other financial institution or association

      ELIGIBILITY

      You are advised to check the product Terms and Conditions for information relating to interest rates, fees and charges

        Prepaid cards work a little differently to other types of plastic. Although you can use them to make purchases or withdraw cash in the same way as a debit or credit card, the key difference is that they need to be loaded up with cash in advance – and you can then only spend the balance on the card.

        There are a number of benefits to using a prepaid card, so it pays to compare your options carefully and select the right one for your needs

        Prepaid cards usually fall into two categories – pay monthly and pay-as-you-go. Pay monthly prepaid cards charge a monthly fee, but in return you pay lower transaction fees than you would with a pay-as-you-go card, and often, you will also be given rewards or cashback on your spending.

        Pay monthly prepaid cards are more suited to those who regularly spend on their card, while pay-as-you-go options are more suited to those who only make a handful of transactions on their card each month.

        Because you can only spend the money you've pre-loaded onto your prepaid card, they are a great choice for those on a budget, for parents who want to keep an eye on their children's spending, or even for businesses.

        But another benefit of prepaid cards is that they don't require a credit check and, as a result, they are easier to get hold of than credit or debit cards. This means they can be a good option for those with a poor credit score or no credit history at all. Some prepaid cards will also allow you to add a 'credit builder' service to your card which will help you to improve your credit rating.

        What's more, certain prepaid cards can even be used as an alternative to a bank account, allowing your salary to be paid onto them.

        Prepaid cards can also be a handy addition to your wallet if you're holidaying abroad. This is because a number of cards allow you to pre-load them with foreign currency and then side-step the expensive fees charged by many debit and credit cards for use overseas.

        Prepaid cards can be riddled with fees, so it's important to read the small print carefully.

        In particular, you should watch out for monthly fees, charges for loading funds onto your card, fees for withdrawing cash or spending on your plastic, and inactivity fees – which kick in if you don't use your card for a number of months.

        Finally, unlike credit cards, prepaid cards are not covered under Section 75 of the Consumer Credit Act 1974. This protects credit card purchases between £100 and £30,000 against a retailer going bust, or your goods arriving faulty or damaged. This protection was extended up to £60,260 under the 2011 Consumer Credit Directive.

        You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

        • Whip your credit score into shape with Credit Monitor

        • Super save over and over again with Energy Monitor

        • There are always more ways to save with MoneySuperMarket 

        So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

        You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.