Everyday

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 by cards which incur the lowest first year costs for an upload
of £500 with eight transactions of £37.50 each and four ATM transactions of £50 each, includes
any special or introductory offers.
 

Cashplus Cashplus

Cashplus prepaid MasterCard (Freedom)

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Transaction fee

Free

Monthly fee

Free

Card fee

Free

UK ATM fee

Free

International ATM fee

Free

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Sorry, we can't help you to open this account

Great for
  • FREE UK ATM Withdrawals, FREE Purchases, NO Monthly Fee
  • Instant online approval. No credit check to apply
  • iDraft up to £250 and £1000 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.

Pockit Pockit

Pockit Prepaid MasterCard

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Sorry, we can't help you to open this account

Transaction fee

Free

Monthly fee

Free

Card fee

Free

UK ATM fee

Free

International ATM fee

Free

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Sorry, we can't help you to open this account

Great for
  • Contactless Card. No Credit Checks* or usage fees. Up to 10% Cashback with top UK retailers.
  • FREE to pay in by bank transfer. Only 99p to pay in with cash at PayPoint
  • FREE to pay in wages and benefits with your unique account number and sort code
But be aware that
  • Customers without a verified UK address will be offered a lower limit card
  • You must be aged 18 or over
Tuxedo Tuxedo

Tuxedo Pay Monthly Card

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Sorry, we can't help you to open this account

Transaction fee

Free

Monthly fee

Free

Card fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site

Sorry, we can't help you to open this account

Great for
  • No transaction fees and no credit checks, low ATM fee apply
  • Spend anywhere you see the MasterCard Acceptance Mark
But be aware that
  • £3,000 maximum card balance applies to full product. If you are unable to provide ID documentation, your card limit will be £1,650
  • Charges 3% to load at PayPoint
Cashplus Cashplus

Cashplus prepaid MasterCard (Deluxe)

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Sorry, we can't help you to open this account

Transaction fee

Free

Monthly fee

Free

Card fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site

Sorry, we can't help you to open this account

Great for
  • Free UK ATM withdrawals, Direct Debits and Standing Orders
  • Up to £250 iDraft and £1,000 Direct Debit cover available - subject to approval
  • Add Creditbuilder to your account at no extra cost
iCount iCount

icount Prepaid MasterCard Monthly

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Sorry, we can't help you to open this account

Transaction fee

Free

Monthly fee

Free

Card fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site

Sorry, we can't help you to open this account

Great for
  • Instant approval guaranteed for verified applicants
  • Account number and sort code details are generated immediately
  • Use to build credit
But be aware that
  • Card fee of £4.95
  • Monthly fee of £9.95


Prepaid cards that are an alternative to a bank account - Ordered alphabetically A-Z

Cashplus Cashplus

Cashplus prepaid MasterCard (Freedom)

Go to site

Sorry, we can't help you to open this account

Monthly fee

Free

Card fee

Free

Transaction fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site

Sorry, we can't help you to open this account

Great for
  • FREE UK ATM Withdrawals, FREE Purchases, NO Monthly Fee
  • Instant online approval. No credit check to apply
  • iDraft up to £250 and £1000 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.

Cashplus Cashplus

Cashplus prepaid MasterCard (Deluxe)

Go to site

Sorry, we can't help you to open this account

Monthly fee

Free

Card fee

Free

Transaction fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site

Sorry, we can't help you to open this account

Great for
  • Free UK ATM withdrawals, Direct Debits and Standing Orders
  • Up to £250 iDraft and £1,000 Direct Debit cover available - subject to approval
  • Add Creditbuilder to your account at no extra cost
iCount iCount

icount Prepaid MasterCard Monthly

Go to site

Sorry, we can't help you to open this account

Monthly fee

Free

Card fee

Free

Transaction fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site

Sorry, we can't help you to open this account

Great for
  • Instant approval guaranteed for verified applicants
  • Account number and sort code details are generated immediately
  • Use to build credit
But be aware that
  • Card fee of £4.95
  • Monthly fee of £9.95


Prepaid cards to build your credit - Ordered alphabetically A-Z

Cashplus Cashplus

Cashplus prepaid MasterCard (Freedom)

Go to site

Sorry, we can't help you to open this account

Monthly fee

Free

Card fee

Free

Transaction fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site

Sorry, we can't help you to open this account

Great for
  • FREE UK ATM Withdrawals, FREE Purchases, NO Monthly Fee
  • Instant online approval. No credit check to apply
  • iDraft up to £250 and £1000 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.

iCount iCount

icount Prepaid MasterCard Monthly

Go to site

Sorry, we can't help you to open this account

Monthly fee

Free

Card fee

Free

Transaction fee

Free

UK ATM fee

Free

International ATM fee

Free

Go to site

Sorry, we can't help you to open this account

Great for
  • Instant approval guaranteed for verified applicants
  • Account number and sort code details are generated immediately
  • Use to build credit
But be aware that
  • Card fee of £4.95
  • Monthly fee of £9.95

 

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. 

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