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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

MoneySuperMarket customers receive £10 upon first load of £50. This offer is only available through MoneySuperMarket.com. T&Cs apply

Cashplus

Cashplus Prepaid MasterCard (Freedom)

  • Monthly fee

    Free

  • Card fee

    £9.95

  • Transaction fee

    Free

  • UK ATM fee

    Free

  • International ATM fee

    £3.00


Great for

  • FREE UK ATM Withdrawals, FREE Purchases, NO Monthly Fee
  • Instant online approval. No credit check to apply
  • Up to £500 Overdraft - subject to approval

But be aware that

  • You must be a UK resident aged 18 or over
More Details

THE BASICS

  • Card issuer: APS Financial Ltd

  • Card type: MasterCard

  • The card is valid for 36 months

BENEFITS

  • Online account management

  • 24 hour service

  • Accepted online

  • Sort code & account number included

Benefits notes:

  • Free UK ATM withdrawals

  • Free UK purchases

  • Free to set up Direct Debits and standing orders

  • Free purchase protection

CARD FEES

  • Card application fee - £9.95

  • Monthly service fee - Free

  • Annual service fee - Free

  • Card replacement fee - £5.95

  • Card cancellation fee - N/A

  • Dormancy fee - No dormancy fees

Card fee notes: 

  • No UK purchase fees

RELOAD OPTIONS (Online)

  • Cash - Free

RELOAD OPTIONS (Post Office)

  • Cash - 0.50%

Reload notes:

  • Bank transfers onto account: Free

  • Post Office loads: 0.50% fee will apply to the total amount paid in (min fee £3.00)

TRANSACTION FEES

  • Foreign transaction Fee: 2.99%

  • Purchase fee: Free

  • Internet Purchase fee: Free

ATM WITHDRAWAL FEES

ATM withdrawal fee (UK): Free
ATM withdrawal fee (International): £3.00

ELIGIBILITY

  • You must be a UK resident and aged 18+

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

    Suits Me

    Suits Me Premium

    • Transaction fee

      £1.97

    • Monthly fee

      £4.97

    • Card fee

      Free

    • UK ATM fee

      £1.25

    • International ATM fee

      £2.50


    Great for

    • You could be approved in under 10 minutes with no proof of address and no credit checks required
    • Get exclusive access to Suits Me's cashback rewards programme where you'll earn up to 15% cashback instore and online at many top UK retailers
    • Manage your money and finances on the go, with the free, safe and secure Suits Me mobile banking app and online banking account

    But be aware that

    • You need to be a UK resident and aged 18 or over to open an account
    More Details

    THE BASICS

    • Card issuer: PrePay Technologies Limited

    • Card type: MasterCard

    • The card is valid for 36 months

    BENEFITS

    • Online account management

    • Accepted online

    • Sort code & account number included

    Benefits notes:

    • Apply online and you could get instant approval with no proof of address or credit checks

    • Account opening within 10 minutes where you'll gain instant access to your account number and sort code, and mobile and online banking to start managing your money and finances

    CARD FEES

    • Card application fee - Free

    • Monthly service fee - £4.97

    • Annual service fee - Free

    • Card replacement fee - £5.00

    • Card cancellation fee - Free

    • Dormancy fee – n/a

    Reload notes:

    • PayPoint Load: £0.99 + 2.6%

    • PayPoint: £1.29+ 2.6%. Maximum load of £250 per day

    • Bank Transfer (UK): Maximum of £10,000

    TRANSACTION FEES

    • Foreign transaction fee – n/a

    • Purchase fee - £1.97

    • Internet Purchase fee - Free

    Transaction fee notes:

    • No UK transaction fees

    • European transaction fee (EUR, RON, SEK): 2.35% of the transaction value

    • International transaction fee (Other currencies): £1.97 plus 2.57% of the transaction value

    ATM WITHDRAWAL FEES

    • ATM withdrawal fee (UK) - £1.25

    • ATM withdrawal fee (Europe) - £2.50 plus 2.35% of the transaction value

    • ATM withdrawal fee (International) - £2.50 plus 2.57% of the transaction value

    ELIGIBILITY

    • You must be a UK resident aged 18 or over

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

      Suits Me

      Premium Plus

      • Transaction fee

        £1.97

      • Monthly fee

        £9.97

      • Card fee

        Free

      • UK ATM fee

        Free

      • International ATM fee

        £2.50


      Great for

      • You could be approved in under 10 minutes with no proof of address and no credit checks required
      • Get exclusive access to Suits Me's cashback rewards programme where you'll earn up to 15% cashback instore and online at many top UK retailers
      • Manage your money and finances on the go, with the free, safe and secure Suits Me mobile banking app and online banking account

      But be aware that

      • You need to be a UK resident and aged 18 or over to open an account
      More Details

      THE BASICS

      • Card issuer: PrePay Technologies Limited

      • Card type: MasterCard

      • The card is valid for 36 months

      BENEFITS

      • Online account management

      • Accepted online

      • Sort code & account number included

      Benefits notes:

      • Apply online and you could get instant approval with no proof of address or credit checks

      • Account opening within 10 minutes where you'll gain instant access to your account number and sort code, and mobile and online banking to start managing your money and finances

      CARD FEES

      • Card application fee - Free

      • Monthly service fee - £9.97

      • Annual service fee - Free

      • Card replacement fee - £5.00

      • Card cancellation fee - Free

      • Dormancy fee – n/a

      Reload notes:

      • PayPoint Load: £0.80 + 2.6%. Maximum load of £250 per day

      • Bank Transfer (UK): Maximum of £10,000

      TRANSACTION FEES

      • Foreign transaction Fee - Free

      • Purchase fee - £1.97

      • Internet Purchase fee - £0 

      • Transaction fee notes:

      • No UK transaction fees

      • European transaction fee (EUR, RON, SEK): 2.35% of the transaction value

      • International transaction fee (Other currencies): £1.97 plus 2.57% of the transaction value

      ATM WITHDRAWAL FEES

      • ATM withdrawal fee (UK) - Free

      • ATM withdrawal fee (International) - £2.50

      UK ATM withdrawal fee notes: 

      • 4 free UK ATM withdrawals permitted per month

      • A fee of £1.12 per withdrawal is then applied

      ELIGIBILITY

      • You must be a UK resident aged 18 or over

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

        Suits Me

        Suits Me Essential

        • Transaction fee

          £1.00

        • Monthly fee

          Free

        • Card Fee

          Free

        • UK ATM fee

          £1.00

        • International ATM fee

          £2.50


        Great for

        • You could be approved in under 10 minutes with no proof of address and no credit checks required
        • Get exclusive access to Suits Me's cashback rewards programme where you'll earn up to 15% cashback instore and online at many top UK retailers
        • Pay no monthly fee and manage your money and finances on the go, with the free, safe and secure Suits Me mobile banking app and online banking account

        But be aware that

        • You need to be a UK resident and aged 18 or over to open an account
        • One-off activation fee of £5.00 is needed to start using your account
        More Details

        THE BASICS

        • Card issuer: PrePay Technologies Limited

        • Card type: MasterCard

        • The card is valid for 36 months

        BENEFITS

        • Online account management

        • Accepted online

        • Sort code & account number included

        Benefits notes:

        • Apply online and you could get instant approval with no proof of address or credit checks

        • Account opening within 10 minutes where you'll gain instant access to your account number and sort code to start managing your money and finances

        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

        Reload notes:

        • Bank transfer in from UK - £1.25

        • PayPoint - £2:30 + 2.6%. Maximum load of £250 per day

        TRANSACTION FEES

        • Foreign transaction fee – n/a

        • Purchase fee - £1.00 plus 2% of the transaction value

        • Internet Purchase fee – Free

        Transaction fee notes:

        • No UK transaction fees

        • International transaction fee: £1 plus 2% of the transaction value

        ATM WITHDRAWAL FEES

        • ATM withdrawal fee (UK) - £1.50

        • ATM withdrawal fee (International) - £2.50 plus 2% of the transaction value

        ELIGIBILITY

        • You must be a UK resident aged 18 or over

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

          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

              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 (Online)

              • 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 must be a UK resident and aged 18+

              You are advised to check the lenders Terms & 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.