Pay monthly prepaid cards - Ordered alphabetically A-Z
Transaction fee
Free —
Monthly fee
Free —
Card fee
Free —
UK ATM fee
Free —
International ATM fee
Free —
- Free UK ATM withdrawals, Direct Debits and Standing Orders
- Up to £250 Overdraft and £1,000 Direct Debit cover available - subject to approval
- Add Creditbuilder to your account at no extra cost
Transaction fee
Free —
Monthly fee
Free —
Card fee
Free —
UK ATM fee
Free —
International ATM fee
Free —
- 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
- You need to be a UK resident and aged 18 or over to open an account
Transaction fee
Free —
Monthly fee
Free —
Card fee
Free —
UK ATM fee
Free —
International ATM fee
Free —
- 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
- You need to be a UK resident and aged 18 or over to open an account
Transaction fee
Free —
Monthly fee
Free —
Card fee
Free —
UK ATM fee
Free —
International ATM fee
Free —
- 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
- You need to be a UK resident and aged 18 or over to open an account
Prepaid cards that are an alternative to a bank account - Ordered alphabetically A-Z
Monthly fee
Free —
Card fee
Free —
Transaction fee
Free —
UK ATM fee
Free —
International ATM fee
Free —
- 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
- You must be a UK resident aged 18 or over
MoneySuperMarket customers receive £10 upon first load of £50. This offer is only available through MoneySuperMarket.com. T&Cs apply
Monthly fee
Free —
Card fee
Free —
Transaction fee
Free —
UK ATM fee
Free —
International ATM fee
Free —
- Free UK ATM withdrawals, Direct Debits and Standing Orders
- Up to £250 Overdraft and £1,000 Direct Debit cover available - subject to approval
- Add Creditbuilder to your account at no extra cost
Monthly fee
Free —
Card fee
Free —
Transaction fee
Free —
UK ATM fee
Free —
International ATM fee
Free —
- 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.
- You'll need to be a UK resident and aged 18 or over
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
Monthly fee
Free —
Card fee
Free —
Transaction fee
Free —
UK ATM fee
Free —
International ATM fee
Free —
- Earn extra cashback on everyday purchases like groceries and clothing at top high street retailers
- Build your credit history with Pockit LOQBOX
- Get additional cards for your teen or to split bills and share money with family and friends
- Pockit is a prepaid card, not a bank. Prepaid cards are not covered by the Financial Services Compensation Scheme (FSCS)
- You'll need to be a UK resident and aged 18 or over to open an account
- Customers will pay a fee of £1.49 to pay in cash, £0.99 to withdraw cash, make national and international transfers, and there is a £1.99 monthly fee. Card delivery free (usually £9.99) customers will need to add £10+ in the first 7 days to qualify
Monthly fee
Free —
Card fee
Free —
Transaction fee
Free —
UK ATM fee
Free —
International ATM fee
Free —
- 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
- You need to be a UK resident and aged 18 or over to open an account
Monthly fee
Free —
Card fee
Free —
Transaction fee
Free —
UK ATM fee
Free —
International ATM fee
Free —
- 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
- You need to be a UK resident and aged 18 or over to open an account
Monthly fee
Free —
Card fee
Free —
Transaction fee
Free —
UK ATM fee
Free —
International ATM fee
Free —
- 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
- You need to be a UK resident and aged 18 or over to open an account
Prepaid cards to build your credit - Ordered alphabetically A-Z
Monthly fee
Free —
Card fee
Free —
Transaction fee
Free —
UK ATM fee
Free —
International ATM fee
Free —
- 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
- You must be a UK resident aged 18 or over
MoneySuperMarket customers receive £10 upon first load of £50. This offer is only available through MoneySuperMarket.com. T&Cs apply
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.