Prepaid business cards - Ordered alphabetically A-Z
Need to offer your staff a way to make essential business purchases, but don’t want to give them a credit card? A business prepaid card allows them to spend, while leaving you firmly in control. Compare the best deals with MoneySuperMarket.
Free to use in 21 major currencies & up to 200 free virtual cards available for your team. Unlimited users on all plans. Get dedicated, expert account management.
Equals Money
Equals Money Card
Annual fee
From £250
Transaction fee
Free
UK ATM fee
£1.50
International ATM fee
£1.50
Foreign transaction fee
Free
Great for
- Spend in over 190 countries (wherever Mastercard is accepted) and instantly issue virtual cards (compatible with Apple Pay & Google Pay)
- Stay on budget with custom spending limits, account roles based on responsibilities, and real-time transaction data—know exactly what teams are spending and where
- Integrate with accounting software such as Xero or Concur® Expense to automatically sync purchase data and simplify reconciliation
But be aware that
- A fee of £10 (+VAT) per physical card applies, order up to 200 virtual cards for free
- A 1.5% foreign transaction fee applies when used outside of these 21 major currencies: GBP, EUR, USD, AED, AUD, CAD, CHF, CZK, DKK, HKD, HUF, ILS, JPY, NOK, NZD, PLN, RON, SEK, SGD, TRY, ZAR
- £1.50 ATM fee per withdrawal applies both in the UK and abroad
More details
THE BASICS
Card issuer: Fair Payments Limited
Card type: MasterCard
The card is valid for 48 months
BENEFITS
Online account management
No fee on foreign transactions in 21 major currencies
Accepted online
Sort code and account number provided
Benefit notes:
Expense Management contact centre open for calls 09:00-17:00 Monday-Thursday and 09:00-16:00 Fridays
International Payments contact centre open 08:30-17:00 Monday-Friday
CARD FEES
Physical card issuance fee - £10 (+VAT)
Issue up to 200 virtual cards for free
Card replacement fee - Free
Card cancellation fee - Free
Dormancy fee - £50 per month after 2 years unless at least one transaction is made within the 2 years
Account Fees (when paid monthly):
Business - £25 per month - Issue up to 20 physical cards
Business Plus - £35 per month - Issue up to 50 physical cards
Enterprise - Custom pricing - Issue more than 50 physical cards
Unlimited platform users on all plans
Account Fees (when paid annually):
Save 17% when you pay annually vs. paying monthly
Business - £250 per year - Issue up to 20 physical cards
Business Plus - £350 per year - Issue up to 50 physical cards
Enterprise - Custom pricing - Issue more than 50 physical cards
Unlimited platform users on all plans
TRANSACTION FEES
Foreign transaction Fee – Free in 21 major currencies
Purchase fee - Free
Internet Purchase fee – n/a
Transaction fee notes:
A 1.5% foreign transaction fee applies when used outside of these 21 major currencies: GBP, EUR, USD, AED, AUD, CAD, CHF, CZK, DKK, HKD, HUF, ILS, JPY, NOK, NZD, PLN, RON, SEK, SGD, TRY, ZAR
ATM WITHDRAWAL FEES
ATM withdrawal fee (UK) - £1.50
ATM withdrawal fee (International) - £1.50
ATM withdrawal fee notes:
Check ATMs for notices of any additional charges.
ELIGIBILITY
You are advised to check the product Terms and Conditions for information relating to interest rates, fees and charges
Anna Money
ANNA Business Expense Card
Annual fee
Free
Transaction fee
Free
UK ATM fee
£1.00
International ATM fee
£1.00
Foreign transaction fee
£5.00
Great for
- Sign up online and get a business account and debit Mastercard in under 10 minutes
- Save money with Anna Money's range of expense management tools, including VAT filing and taxes
- Great for start-ups. Gain access to credit sooner with Anna Money's Fast track to Credit facility
But be aware that
- For UK based only businesses and residents
More details
THE BASICS
Card issuer: PayrNet Ltd
Card type: MasterCard
The card is valid for 60 months
BENEFITS
Online account management
24 hour service
Accepted online
Sort code & account number included
CARD FEES
Card application fee - Free
Monthly service fee - Free
Annual service fee - Free
Card replacement fee - Free
Card cancellation fee - Free
Dormancy fee - N/A
Card fee notes:
Monthly Fees:
Pay As You Go plan - no monthly fee
Business plan - £14.90 + VAT per month
Big Business plan - £49.90 + VAT per month
Additional cards:
Pay As You Go plan - £3 per card per month
Business plan - Up to 5 included, then £3 per card per month
Big Business plan - Unlimited additional cards
Reload notes:
Bank to bank transfer - Free
Payment link - Pay As You Go plan - 1%; Business plan - up to £200 per month, then 1% fee; Big Business plan - Unlimited
QR code invoice - Free
Paypoint reload - 2% commission, minimum £1 per top up
TRANSACTION FEES
Foreign transaction Fee - £5.00
Purchase fee - Free
Internet Purchase fee - Free
Transaction fee notes:
International payment fees:
Pay As You Go plan - £5 per payment
Business plan - 1 free per month, then £5 per payment
Big Business plan - 4 free per month, then £5 per payment
ATM WITHDRAWAL FEES
ATM withdrawal fee (UK) - £1.00
ATM withdrawal fee (International) - £1.00
ATM withdrawal fee notes:
UK ATM withdrawal fees:
Pay As You Go plan - £1 per withdrawal
Business plan - 3 free withdrawals, then £1 per withdrawal
Big Business plan - unlimited withdrawals
International ATM withdrawal fees: Subject to foreign service charges
ELIGIBILITY
You must be 18 years old or over to apply
You must be a director of a limited company or a sole trader
You must have a UK registered business and be a resident in the UK
You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.
Card One Money
Card One Money Business Prepaid Card
Great for
- No credit checks. Your account can be opened on the same day you apply & you can order up to four cards for your team to use on business expenses, and add money directly from your account.
- Available to all business types including newly established businesses, Limited Companies, Partnerships & Sole Traders. If you need support, the UK-based customer support team is available Monday - Friday 08:30 - 17:00.
- Tie your business spending together & use Card One Money alongside your accounting software to export statements, including Wave, Xero, Sage & FreeAgent. Manage your account 24/7 & make payments online or via the app.
But be aware that
- To acquire a Pre Paid Contactless Mastercard customers must open a business account
More details
THE BASICS
Card issuer: Fair Payments Limited
Card type: MasterCard
The card is valid for 36 months
BENEFITS
Online account management
Accepted online
Sort code & account number included
Benefits notes:
Pre Paid Contactless Mastercard - funds can be moved from business account to pre-paid card
Up to 3.5% cash back rewards at selected retailers
Cash can be deposited at Barclays counters using a paying in book
Contact centre open 08:30-17:00 Monday-Friday via live chat and calls. Live chat also available on Saturdays between 09:30-13:00
CARD FEES
Account application fee - £55.00
Account monthly management fee - £12.50
Annual service fee - Free
Card replacement fee - £3.95
Card cancellation fee - £10 to redeem card balance after closure
Dormancy fee - If left dormant and monthly management fee unpaid, Card One Money can charge £25 to reactivate account (2x monthly management fee)
Card fee notes:
Cash deposits - £2 + 0.75%
UK payments into account - £0.30
Bank transfer fee into account - £0.30
Faster payment fee out of account - £7.50
No fees for bounced payments on rejected standing orders and direct debits
TRANSACTION FEES
Foreign transaction Fee - 2.75%
Purchase fee – n/a
Internet Purchase fee – n/a
ATM WITHDRAWAL FEES
ATM withdrawal fee (UK) - £1.50
ATM withdrawal fee (International) - £3.00
ATM withdrawal fee notes:
International ATM Withdrawal Fee - £3.00 + 2.75% of the transaction fee
ELIGIBILITY
UK Residents, however Card One can now consider non UK residents and non UK businesses
You are advised to check the product terms and conditions for information relating to interest rates, fees and charges
Exclusive
100% subscription discount during your 3-month free trial - Offer ends 30 June 2025. T&Cs apply. Only available through MoneySuperMarket Group
Soldo
Soldo Plus
Annual fee
£132
Transaction fee
Free
UK ATM fee
£2.00
International ATM fee
£2.00
Foreign transaction fee
1.00%
Great for
- Real-time spend tracking and control
- Top up cards instantly or set up automatic top-ups and track all spending in real time
- Set aside funds (in EUR, GBP, USD) with digital ‘wallets’ that divide and organise money for specific individuals, teams, departments or projects
But be aware that
- Only for businesses that are incorporated entities - sole traders aren’t applicable
- You need a minimum of three cards to get started
- Cards have a foreign transaction fee of 1%
More details
THE BASICS
Card issuer: MasterCard
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:
Soldo accounts come with an IBAN (sort code and account number) which enables free and instantaneous deposits to your Soldo account from a domestic bank account.
CARD FEES
Card application fee - £5.00
Monthly service fee - £11.00
Annual service fee - £132
Card replacement fee - £5.00
Card cancellation fee - Free
Dormancy fee – n/a
Card fee notes:
£11 per user per month with a minimum of 3 users. £5 card issuance fee for each physical Soldo card you order (virtual cards cost £1 to issue, if you only need to make online purchases) up to 30 cards
TRANSACTION FEES
Foreign transaction Fee - 1.00%
Purchase fee - Free
Internet Purchase fee - Free
Transaction fee notes:
Withdrawal via Bank Transfer International Payments - EUR/GBP/USD 20.00
ATM WITHDRAWAL FEES
ATM withdrawal fee (UK) - 1% of amount with minimum GBP 2.00
ATM withdrawal fee (International) - 1% of amount with minimum EUR/USD 2.00
ATM withdrawal fee notes:
Card denominated in GBP but withdrawal in other currency - 1% of exchanged currency amount (to GBP) with a minimum of GBP 2.00
Card denominated in EUR with withdrawal in other currency - 1% of exchanged currency amount (to EUR) with a minimum of EU 2.00
Card denominated in USD but withdrawal in other currency - 1% of exchanged currency amount (to USD) with a minimum of USD 2.00
ELIGIBILITY
You must be a registered business in the UK
You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.
Exclusive
100% subscription discount during your 3-month free trial - Offer ends 30 June 2025. T&Cs apply. Only available through MoneySuperMarket Group
Soldo
Soldo Standard
Annual fee
£84
Transaction fee
Free
UK ATM fee
£2.00
International ATM fee
£2.00
Foreign transaction fee
1.00%
Great for
- Real-time spend tracking and control
- Apply online in just five minutes – no credit check needed
- Use the mobile app to capture and upload receipts with notes and tags at point of purchase
But be aware that
- There's a £2 fee for ATM withdrawals in non-GBP currencies
- Cards have a foreign transaction fee of 1%
- A £5 fee applies for replacement cards
More details
THE BASICS
Card issuer: MasterCard
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:
Soldo accounts come with an IBAN (sort code and account number) which enables free and instantaneous deposits to your Soldo account from a domestic bank account.
CARD FEES
Card application fee - £5.00
Monthly service fee - £7.00
Annual service fee - £84
Card replacement fee - £5.00
Card cancellation fee - Free
Dormancy fee – n/a
Card fee notes:
£7 per user per month with a minimum of 3 users. £5 card issuance fee for each physical Soldo card you order (virtual cards cost £1 to issue, if you only need to make online purchases) up to 20 cards
TRANSACTION FEES
Foreign transaction Fee - 1.00%
Purchase fee - Free
Internet Purchase fee - Free
Transaction fee notes:
Withdrawal via Bank Transfer International Payments - EUR/GBP/USD 20.00
ATM WITHDRAWAL FEES
ATM withdrawal fee (UK) - 1% of amount with minimum GBP 2.00
ATM withdrawal fee (International) - 1% of amount with minimum EUR/USD 2.00
ATM withdrawal fee notes:
Card denominated in GBP but withdrawal in other currency - 1% of exchanged currency amount (to GBP) with a minimum of GBP 2.00
Card denominated in EUR with withdrawal in other currency - 1% of exchanged currency amount (to EUR) with a minimum of EU 2.00
Card denominated in USD but withdrawal in other currency - 1% of exchanged currency amount (to USD) with a minimum of USD 2.00
ELIGIBILITY
You must be a registered business in the UK
You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.
Tide
Tide Expense Card
Annual fee
£72
Transaction fee
Free
UK ATM fee
£1.00
International ATM fee
£1.00
Foreign transaction fee
Free
Great for
- Set and change spending limits for each card in the Tide app
- All company spending is visible in real time and automatically categorised
- Save time on admin and eliminate paper receipts: your team scans and uploads their own receipts in the app
But be aware that
- Not available to partnerships
- You'll need a Tide business account to apply for a Tide Expense card
- To verify online transactions above £30, team members need to use the Tide App
More details
THE BASICS
Card issuer: Clearbank
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:
No transaction fee
Set individual spend limits per card to help you manage costs
Upload multiple receipts at once
See all transactions itemised by both person and spend category
CARD FEES
Card application fee - Free
Monthly service fee - £5.00 + VAT
Annual service fee - £72
Card replacement fee - Free
Card cancellation fee - Free
Dormancy fee - N/A
Card fee notes:
Monthly service fee - £5 + VAT per card per month
Transfer fee - 20p per transaction
Reload notes:
Post Office reload - £2.50
Paypoint reload - 3% of deposit
TRANSACTION FEES
Foreign transaction Fee - Free
Purchase fee - Free
Internet Purchase fee - Free
Transaction fee notes:
Foreign transaction fee: Mastercard exchange rate applies
ATM WITHDRAWAL FEES
ATM withdrawal fee (UK) - £1.00
ATM withdrawal fee (International) - £1.00
ELIGIBILITY
You must be aged 18 or above
You must have a valid UK phone number
You must own an Apple or Android device
You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.
Prepaid cards are not eligible for protection under the Financial Services Compensation Scheme
