Compare everyday prepaid cards
Everyday prepaid cards do just what they say on the tin. All you need to do is load them up with money and then use them just like cash or a debit or credit card. And you can compare the best options with MoneySuperMarket.
Pay monthly prepaid cards - Ordered alphabetically A-Z
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 that are an alternative to a bank account - Ordered alphabetically A-Z
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.
Cashplus
Cashplus Prepaid MasterCard (Deluxe)
Monthly fee
£9.95
Card fee
£5.95
Transaction fee
Free
UK ATM fee
Free
International ATM fee
£3.00
Great for
- Free UK ATM withdrawals, Direct Debits and Standing Orders
- Up to £500 Overdraft - subject to approval
- Add Creditbuilder to your account at no extra cost
More Details
THE BASICS
Card issuer: Advanced Payment Solutions Ltd
Card type: MasterCard
The card is valid for 36 months
ACCOUNT FEATURES
BENEFITS
Online account management
24 hour service
Accepted online
Sort code & account number included
Benefits notes:
Free purchase protection and free UK ATM withdrawals
Build your credit at no extra charge with Creditbuilder
Free bill pay service and online banking
Have your wages paid directly into your Cashplus Bank Account
No Credit Checks
CARD FEES
Card Application fee - £5.95
Monthly fee - £9.95
Card Cancellation fee - £10
Card Replacement fee - £5.95
RELOAD OPTIONS (Bank Deposit)
Debit Card - Free
RELOAD OPTIONS (Online)
Cash - Free
RELOAD OPTIONS (Post Office)
Cash - 0.50%
Reload notes:
Bank transfers onto account: Free
Post Office Loads: 0.5% 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
Transaction fee notes:
You can use your card to get cash over the counter at a bank, subject to a fee of £3 per transaction
ATM WITHDRAWAL FEES
ATM withdrawal fee (UK) - Free
ATM withdrawal fee (International) - £3.00
ATM withdrawal fee notes:
You can get cash from any cash machine that displays the MasterCard brand mark
ELIGIBILITY
Minimum age: 18 Years
You must be a UK resident
Additional cardholders must be at least 13 years old
You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.
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.
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 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
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 to build your credit - Ordered alphabetically A-Z
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.
Prepaid cards are not eligible for protection under the Financial Services Compensation Scheme
Everyday prepaid cards
Offering flexibility, security and control, prepaid cards are payment cards that are pre-loaded with money. And everyday prepaid cards are a great alternative to credit cards, debit cards and simply using cash to cover your everyday purchases.
They are a good option for anyone whose credit score – or lack of credit history – means they would find it hard to be accepted for a market-leading credit card, for example.
No credit checks
To be accepted as a customer by most banks and credit card companies, you must have a credit history. To qualify for the best deals, meanwhile, you will need a high credit score.
However, there are no credit checks with everyday prepaid cards. You will therefore be accepted as long as the company offering the card can verify your identity using your personal details.
For those keen to improve their credit scores, meanwhile, some everyday prepaid cards allow you to borrow the annual fee and pay it back in monthly instalments, thereby giving you a repayment record that will be put on your file by the credit reference agencies.
But beware: you could damage your credit rating even further if, for example, you miss a payment.
Easy to use
Everyday prepaid cards can be funded monthly, for example from your bank account, or even via your employer paying your salary on to the card, or they can be fed on a pay-as-you-go basis.
You top-up the latter type of prepaid card in a similar way to topping up a pay-as-you-go phone – so either at Payzones that can be found at over 30,000 locations in the UK, by using your mobile, or with a debit card. When you make a purchase, the amount will automatically be deducted from the card balance.
For all your shopping needs
Everyday prepaid cards can generally be used anywhere that you could use a debit or a credit card. They are particularly good for shopping online, as they limit your exposure to fraud because they are not linked to a bank or credit card account.
Wherever you use your prepaid card, though, you cannot borrow money – making it impossible to overspend and get into debt. For many people, especially those on a budget, this imposed discipline is the biggest advantage of a prepaid card.
Other advantages
Many everyday prepaid cards reward you for spending, often by offering cashback or access to exclusive discount voucher codes.
Some cards also come with one or more ‘companion’ cards, allowing you to send money to friends or family anywhere in the world just by loading up your own card.
On the flipside, however, you must be aware of the charging structure. Pay monthly cards generally have a monthly fee, which can be up to about £12 a month, but don’t charge for purchases.
Pay-as-you-go cards, meanwhile, tend to charge more for cash withdrawals – up to £2 per withdrawal in the UK – and for purchases, but have no monthly fee.
Find the best deal
With MoneySuperMarket, you can compare and apply for a range of everyday prepaid cards with ease to ensure you're getting the right one to suit you.