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

Cashplus Cashplus

Cashplus prepaid MasterCard (Freedom)

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Monthly fee

Free

Card fee

Free

Transaction fee

Free

UK ATM fee

Free

International ATM fee

Free

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Great for
  • FREE UK ATM Withdrawals, FREE Purchases, NO Monthly Fee
  • Instant online approval. No credit check to apply
  • Overdraft up to £250 and £1,000 Direct Debit cover available - subject to approval
But be aware that
  • You must be a UK resident aged 18 or over
Exclusive

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

Suits Me Suits Me

Suits Me Premium

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Monthly fee

Free

Card fee

Free

Transaction fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site
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
Suits Me Suits Me

Suits Me Premium Plus

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Monthly fee

Free

Card fee

Free

Transaction fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site
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
Suits Me Suits Me

Suits Me Essential

Go to site

Monthly fee

Free

Card fee

Free

Transaction fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site
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


See more cards for Everyday use

 

Prepaid cards for Euros - Ordered alphabetically A-Z

Caxton Caxton

Caxton Currency Card

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Card fee

Free

Transaction fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site
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
Currensea Currensea

Travel Debit Card

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Card fee

Free

Transaction fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site
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
  • Works with all leading high street banks and supports all currencies. No hidden fees like weekend or dormant charges
  • 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
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
Exclusive

MONEYSUPERMARKET CUSTOMERS RECEIVE £10 CASHBACK WHEN SPENDING £150 OR MORE WITH NO LOADING REQUIREMENTS. THIS OFFER IS ONLY AVAILABLE FOR NEW CUSTOMERS THROUGH MONEYSUPERMARKET.COM. T&CS APPLY

FairFX FairFX

FairFX Currency card

Go to site

Card fee

Free

Transaction fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site
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

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


See more Euro cards

Prepaid Cards

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.

Advantages of prepaid cards

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.

Disadvantages of prepaid cards

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.

More prepaid cards options

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