Skip to content

Pay as you go

Compare pay as you go prepaid cards

published: 26 September 2022

Pay-as-you-go prepaid cards are a great choice for parents keen to keep a lid on their children’s spending. Aimed mainly at teenagers and students, they have no monthly fee. You can find the best deals here on MoneySuperMarket.

Compare occasional 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.

Cashplus

Cashplus Prepaid MasterCard (Flexiplus)

  • Transaction fee

    £0.99

  • Card fee

    £5.95

  • UK ATM fee

    £2.00

  • International ATM fee

    £3.00

  • Foreign Transaction fee

    2.99%


Great for

  • Pay as you go card with no monthly fee
  • Free purchase protection
  • Ideal for occasional use

But be aware that

  • Card fee of £5.95 applies, and £5.95 for any replacements
  • Purchase transaction fee of £0.99 applies to any payments or direct debits
More Details

THE BASICS

  • Card issuer: Advanced Payment Solutions Financial Ltd

  • Card type: MasterCard

  • The card is valid for 36 months

ACCOUNT FEATURES

Great for

  • Pay as you go card with no monthly fee

  • Free purchase protection

  • Ideal for occasional use

But be aware that

  • Card fee of £5.95 applies, and £5.95 for any replacements

  • Purchase transaction fee of £0.99 applies to any payments or direct debits


BENEFITS

Online account management24 hour serviceNo fee on foreign transactionsAccepted onlineSort code & account number included

Benefits notes:

  • No credit checks

  • A bank account is not required

  • Apply online and get an instant decision and immediate response

  • Puts you in control because your card only approves transactions up to the amount prepaid on it

  • Have your wages paid directly in to your cashplus account

  • 100% acceptance guaranteed (subject to eligibility requirements stated below)


CARD

  • Card application fee

  • Monthly service fee - FREE

  • Annual service fee - FREE

  • Card replacement fee

  • Card cancellation fee

  • Dormancy fee - There is a fee of £5.95 per month after 120 days dormant – no fee if no funds in the account

Card fee notes: 

  • Card Application fee - £5.95

  • Card Replacement fee - £5.95

  • Card Cancellation fee - £10



RELOAD OPTIONS CASH

  • Online - FREE

  • Post Office 0.30%


Reload notes:

  • You can top up your card by transferring money from any UK bank account online, in branch or over the phone, or set up a standing order to make regular top ups

  • You can also have your wages paid straight to your card. You must have a Total Access account to be able to top up using your bank account or to have wages paid onto your card, refer to provider for full details

  • A fee of 0.3% will apply to the total amount paid in at Post Offices


TRANSACTION FEES

  • Foreign transaction Fee - 2.99%

  • Purchase fee

  • Internet Purchase fee - £0.99

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

  • Purchase fee - £0.99

ATM WITHDRAWAL FEES

  • ATM withdrawal fee (UK)

  • ATM withdrawal fee (International)

ATM withdrawal fee notes: 

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

  • UK ATM Withdrawl fee - £2.00

  • 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.

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

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.

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.

Pay-as-you-go cards

A prepaid card is a payment card that is pre-loaded with money. Once you've loaded money onto your pay-as-you-go card, you can therefore use it to shop online or take cash out of a cash machine, just as you would with a credit or debit card.

However, pay-as-you-go prepaid cards, in the same way as pay-as-you-go mobile phones, do not allow you to spend more than you can afford. So while they are often targeted at teenagers and students, their in-built discipline means they are also useful for anyone trying to stick to a budget.

Safer than cash, they are also a secure way to shop online, and they can be bought as gifts in the same way that you might give someone cash or a cheque.

Safe spending

It is all too easy to overspend and get yourself into debt if you use a credit card, or even a debit card if it is linked to an account with an overdraft facility.

Young people particularly often find it tempting to spend more than they have. That’s why many parents prefer to give their children a pay-as-you-go prepaid card that only allows them to spend the amount that has been put on to the card, but still means they can shop online.

Another advantage is that carrying a prepaid card is a lot safer than having a pocket full of cash. After all, lost or stolen prepaid cards can simply be cancelled and replaced, but cash that disappears has usually gone for good.

Available to all

You need a clean credit history and a good credit score to qualify for many of the best credit cards on the market today. But it is much easier to be accepted by a prepaid card provider. 

Even youngsters with no credit history, as well as anyone recently arrived in the UK, can qualify for a pay-as-you-go prepaid card. You will be accepted as a customer as long as the company offering the card can verify your identity using your personal details.

Secure online shopping

Nowadays, many of the best bargains and deals are found online – not on the high street. However, some people are worried about sharing their credit and debit card details on the internet.

Pay-as-you-go prepaid cards, which are not linked to a bank or credit card account and so limit your exposure to fraud, are therefore a great way to shop online.

No monthly fee

Unlike some credit cards, pay-as-you-go prepaid cards have no monthly fee. You must, however, look out for other fees such as transaction charges when choosing your pay-as-you-go prepaid card.

Cards of this kind are also generally limited to a maximum of, say, five transactions a month. If you are looking for a card for everyday use, you would therefore probably be better off with a pay monthly prepaid card.

Find the best deal

You can compare a range of pay-as-you-go prepaid cards with MoneySuperMarket, so take a look at what's on offer to ensure you choose the right deal for your circumstances and preferences.