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Everyday

Compare everyday prepaid cards

published: 26 September 2022

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

Exclusive

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
  • 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
More Details

THE BASICS

  • Card issuer: APS Financial Ltd

  • Card type: MasterCard

  • The card is valid for 36 months

ACCOUNT FEATURES

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

BENEFITS

  • ✔ Online account management

  • ✔ 24 hour service

  • ❌ No fee on foreign transactions

  • ✔ 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

  • Card application fee - N/A

  • Monthly service fee - Free

  • Annual service fee - Free

  • Card replacement fee - N/A

  • Card cancellation fee - N/A

  • Dormancy fee - No dormancy fees


Card fee notes: 

  • No UK purchase fees - N/A

  • Card Application fee - £9.95

  • Card Replacement fee - £5.95

  • Card Cancellation fee - £10

RELOAD OPTIONS For Cash

Online: Free
Post Office: 0.30%

Reload notes:

  • Bank transfers onto account: Free

  • Post Office loads: 0.3% fee will apply to the total amount paid in (min fee £2.00)


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)

ATM withdrawal fee notes: 

  • International ATM Withdrawal Fee - £3.00

ELIGIBILITY

Great for

  • 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

ACCOUNT FEATURES

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

BENEFITS

  • ✔ Online account management

  • ✔ 24 hour service

  • ❌ No fee on foreign transactions

  • ✔ 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

  • Card application fee - Free

  • Monthly service fee

  • Annual service fee - Free

  • Card replacement fee

  • Card cancellation fee - Free

  • Dormancy fee

Card fee notes: 

  • Monthly fee - £4.97

  • Card Replacement fee - £5

TRANSACTION FEES

  • Foreign transaction Fee

  • Purchase fee

  • 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)

  • ATM withdrawal fee (International) 

ATM withdrawal fee notes: 

UK ATM withdrawal fee - £1.25

International ATM Withdrawal Fee Notes -
• Europe: £2.50 plus 2.35% of the transaction value
• International: £2.50 plus 2.57% of the transaction value

ELIGIBILITY

Great for

  • 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

    £2.24


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

ACCOUNT FEATURES

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

BENEFITS

  • ✅Online account management2

  • ✅ 4 hour service

  • ❌ No fee on foreign transactions

  • ✅ 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

  • Card application fee - Free

  • Monthly service fee

  • Annual service fee - Free

  • Card replacement fee

  • Card cancellation fee - Free

  • Dormancy fee

Card fee notes: 

  • Monthly fee - £9.97

  • Card Replacement fee - £5

TRANSACTION FEES

  • Foreign transaction Fee

  • Purchase fee

  • 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) 

ATM withdrawal fee notes: 

UK ATM Withdrawal Fee Notes

  • 4 free UK ATM withdrawals permitted per month

  • A fee of £1.12 per withdrawal is then applied

International ATM Withdrawal Fee Notes

  • Europe: £2.24 plus 2.35% of the transaction value

  • International: £2.24 plus 2.57% of the transaction value

ELIGIBILITY

Great for

  • 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

ACCOUNT FEATURES

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

BENEFITS

  • ✔ Online account management

  • ✔ 24 hour service

  • ❌ No fee on foreign transactions

  • ✔ 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

  • Card application fee- Free

  • Monthly service fee - Free

  • Annual service fee - Free

  • Card replacement fee

  • Card cancellation fee - Free

  • Dormancy fee- 

Card fee notes: • Card Replacement fee - £3

TRANSACTION FEES

  • Foreign transaction Fee

  • Purchase fee

  • Internet Purchase fee 

Transaction fee notes:

  • No UK transaction fees

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

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

ATM WITHDRAWAL FEES

  • ATM withdrawal fee (UK)

  • ATM withdrawal fee (International) 

ATM withdrawal fee notes: 

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

ELIGIBILITY

Great for

  • 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

Exclusive

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
  • 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
More Details

THE BASICS

  • Card issuer: APS Financial Ltd

  • Card type: MasterCard

  • The card is valid for 36 months

ACCOUNT FEATURES

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

BENEFITS

  • ✔ Online account management

  • ✔ 24 hour service

  • ❌ No fee on foreign transactions

  • ✔ 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

  • Card application fee - N/A

  • Monthly service fee - Free

  • Annual service fee - Free

  • Card replacement fee - N/A

  • Card cancellation fee - N/A

  • Dormancy fee - No dormancy fees


Card fee notes: 

  • No UK purchase fees - N/A

  • Card Application fee - £9.95

  • Card Replacement fee - £5.95

  • Card Cancellation fee - £10

RELOAD OPTIONS For Cash

Online: Free
Post Office: 0.30%

Reload notes:

  • Bank transfers onto account: Free

  • Post Office loads: 0.3% fee will apply to the total amount paid in (min fee £2.00)


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)

ATM withdrawal fee notes: 

  • International ATM Withdrawal Fee - £3.00

ELIGIBILITY

Great for

  • 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 £250 Overdraft and £1,000 Direct Debit cover available - 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

Great for

  • 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

BENEFITS

Online account management24 hour serviceNo fee on foreign transactionsAccepted onlineSort code & account number includedBenefits notes:

  • Free purchase protection and free UK ATM withdrawals

  • Build your credit at no extra charge with Creditbuilder

  • Cashplus Overdraft up to £250 if approved

  • Free bill pay service and online banking

  • Have your wages paid directly into your Cashplus Bank Account

  • No Credit Checks

CARD

TypeFeeCard application feeMonthly service feeAnnual service feeFreeCard replacement feeCard cancellation feeDormancy feeThere is a fee of £9.95 per month after 120 days dormant - no fee if no funds in the account Card fee notes: 

  • Card Application fee - £5.95

  • Monthly fee - £9.95

  • Card Cancellation fee - £10

  • Card Replacement fee - £5.95

RELOAD OPTIONS

CashDebit CardCredit CardBank DepositFreeOnlineFreePost Office0.30%Reload notes:

  • Bank transfers onto account: Free

  • Post Office Loads: 0.3% fee will apply to the total amount paid in (min fee £2.00)

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) 

ATM withdrawal fee notes: 

  • You can get cash from any cash machine that displays the MasterCard brand mark

  • International ATM Withdrawal Fee - £3.00

ELIGIBILITY

Great for

  • 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.



Exclusive

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
More Details

THE BASICS

  • Card issuer: Valitor Limited

  • Card type: MasterCard

  • The card is valid for 36 months

ACCOUNT FEATURES

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

BENEFITS

  • ✔ Online account management

  • ✔ 24 hour service

  • ❌ No fee on foreign transactions

  • ✔ Accepted online

  • ❌ Sort code & account number included

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

  • Card application fee - Free

  • Monthly service fee - Free

  • Annual service fee - Free

  • Card replacement fee

  • 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

  • There is a card replacement fee of £6

RELOAD OPTIONS ONLINE

  • Cash - Free

  • 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)

  • ATM withdrawal fee (International) 

ATM withdrawal fee notes: 

  • UK ATM Withdrawal Fee - £1.00

  • International ATM Withdrawal Fee - £1.00

  • 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

Great for

  • 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.

Pockit

Pockit Prepaid Current Account

  • Monthly fee

    £1.99

  • Card fee

    Free

  • Transaction fee

    Free

  • UK ATM fee

    £0.99

  • International ATM fee

    £2.25 plus 4% fee


Great for

  • 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

But be aware that

  • 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
More Details

THE BASICS

  • Card issuer: Railsbank (PayrNet Ltd)

  • Card type: MasterCard

  • The card is valid for 36 months

ACCOUNT FEATURES

Great for

  • 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

But be aware that

  • 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

BENEFITS

  • ✔ Online account management

  • ❌ 24 hour service

  • ❌ No fee on foreign transactions

  • ✔ Accepted online

  • ✔ Sort code & account number included

Benefits notes:

  • Cashback on everyday spending, additional cards with additional balances, credit score builder, real time spend notifications

  • You can use the card 24/7 but customer support is live during business hours

CARD

  • Card application fee - Free

  • Monthly service fee

  • Annual service fee - Free

  • Card replacement fee

  • Card cancellation fee- Free

  • Dormancy fee

Card fee notes: • There's no card application fee• Card replacement fee - £3.99• Monthly Service Fee - £1.99• Users can choose different delivery options including free delivery when they load money into their cards• Must have a balance of £0 to close the account

RELOAD OPTIONS (Debit Card)

  • Bank Deposit - Free

  • Online - Free

Reload notes:

Reload via Paypoint - £1.49

TRANSACTION FEES

  • Foreign transaction Fee - 4.00%

  • Purchase fee - Free

  • Internet Purchase fee - Free

ATM WITHDRAWAL FEES

  • ATM withdrawal fee (UK)

  • ATM withdrawal fee (International) - plus 4% fee 

ATM withdrawal fee notes: 

  • UK ATM Withdrawal Fee - £0.99

  • International ATM Withdrawal Fee - £2.25 plus 4% fee

ELIGIBILITY

Great for

  • You must be at least 18 years old and a UK resident

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

    £2.24


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

ACCOUNT FEATURES

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

BENEFITS

  • ✅Online account management2

  • ✅ 4 hour service

  • ❌ No fee on foreign transactions

  • ✅ 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

  • Card application fee - Free

  • Monthly service fee

  • Annual service fee - Free

  • Card replacement fee

  • Card cancellation fee - Free

  • Dormancy fee

Card fee notes: 

  • Monthly fee - £9.97

  • Card Replacement fee - £5

TRANSACTION FEES

  • Foreign transaction Fee

  • Purchase fee

  • 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) 

ATM withdrawal fee notes: 

UK ATM Withdrawal Fee Notes

  • 4 free UK ATM withdrawals permitted per month

  • A fee of £1.12 per withdrawal is then applied

International ATM Withdrawal Fee Notes

  • Europe: £2.24 plus 2.35% of the transaction value

  • International: £2.24 plus 2.57% of the transaction value

ELIGIBILITY

Great for

  • 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

ACCOUNT FEATURES

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

BENEFITS

  • ✔ Online account management

  • ✔ 24 hour service

  • ❌ No fee on foreign transactions

  • ✔ 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

  • Card application fee - Free

  • Monthly service fee

  • Annual service fee - Free

  • Card replacement fee

  • Card cancellation fee - Free

  • Dormancy fee

Card fee notes: 

  • Monthly fee - £4.97

  • Card Replacement fee - £5

TRANSACTION FEES

  • Foreign transaction Fee

  • Purchase fee

  • 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)

  • ATM withdrawal fee (International) 

ATM withdrawal fee notes: 

UK ATM withdrawal fee - £1.25

International ATM Withdrawal Fee Notes -
• Europe: £2.50 plus 2.35% of the transaction value
• International: £2.50 plus 2.57% of the transaction value

ELIGIBILITY

Great for

  • 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

ACCOUNT FEATURES

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

BENEFITS

  • ✔ Online account management

  • ✔ 24 hour service

  • ❌ No fee on foreign transactions

  • ✔ 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

  • Card application fee- Free

  • Monthly service fee - Free

  • Annual service fee - Free

  • Card replacement fee

  • Card cancellation fee - Free

  • Dormancy fee- 

Card fee notes: • Card Replacement fee - £3

TRANSACTION FEES

  • Foreign transaction Fee

  • Purchase fee

  • Internet Purchase fee 

Transaction fee notes:

  • No UK transaction fees

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

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

ATM WITHDRAWAL FEES

  • ATM withdrawal fee (UK)

  • ATM withdrawal fee (International) 

ATM withdrawal fee notes: 

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

ELIGIBILITY

Great for

  • 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

Exclusive

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
  • 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
More Details

THE BASICS

  • Card issuer: APS Financial Ltd

  • Card type: MasterCard

  • The card is valid for 36 months

ACCOUNT FEATURES

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

BENEFITS

  • ✔ Online account management

  • ✔ 24 hour service

  • ❌ No fee on foreign transactions

  • ✔ 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

  • Card application fee - N/A

  • Monthly service fee - Free

  • Annual service fee - Free

  • Card replacement fee - N/A

  • Card cancellation fee - N/A

  • Dormancy fee - No dormancy fees


Card fee notes: 

  • No UK purchase fees - N/A

  • Card Application fee - £9.95

  • Card Replacement fee - £5.95

  • Card Cancellation fee - £10

RELOAD OPTIONS For Cash

Online: Free
Post Office: 0.30%

Reload notes:

  • Bank transfers onto account: Free

  • Post Office loads: 0.3% fee will apply to the total amount paid in (min fee £2.00)


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)

ATM withdrawal fee notes: 

  • International ATM Withdrawal Fee - £3.00

ELIGIBILITY

Great for

  • 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.