Shopping Directory

Prepaid cards

Prepaid cards - introduction

Prepaid cards are different to traditional debit, credit and charge cards. They're like pay as you mobile phones, as you need to top a prepaid card up with money before using it. Once you've used up that amount, you simply top the card up again.

This means that prepaid cards are available to most people, even those without bank accounts or with a poor credit history. Prepaid cards are also useful in offering the convenience of paying by card, whilst reducing the risk of running up unplanned borrowing on credit cards or bank overdrafts.

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Featured prepaid cards

CashPlus Card
Cashplus offers a prepaid gold MasterCard with guaranteed acceptance subject to their Ts & Cs. No credit check is required and the card can be topped up free at over 14,500 locations, including UK Post Offices. The card costs under £10 and other usage charges apply. See their site for more info and to apply online.
Virgin Prepaid MasterCard®
The Virgin prepaid MasterCard works like a credit card, looks like one and is accepted at all the same places where MasterCard is accepted. The difference is that this is aprepaid card, which needs to be loaded up with cash before you use it, instead of paying a bill afterwards - like with PAYG mobiles.
Bread Card
Bread is a pre-paid Maestro card that only allows you to spend as much as you've loaded onto it. You can use it to pay for products and services in shops, online and over the phone, just like a debit, credit or charge card - and it's safer than carrying cash. The Bread Card costs just £10 and there's no monthly charge.

More credit cards

Splash Plastic

A prepaid Maestro® card, Splash Plastic lets you to take control of spending whilst still offering the convenience of buying things using a payment card instead of carrying around wads of cash. Like other prepay cards, it works on a similar principle to a pay as you go phone. You can apply for and buy a card online.

Extreme Cred

Extreme Cred pre-pay cards work just like pay as you go phones - they don't offer any credit, so need to be topped up before you can use them. There are no monthly fees and no charges when you use the card. Through the Maestro® network, the card is accepted at nearly 4m places world-wide.

Post Office Travel Money Card

Offering a safe and easy way to carry travel money whilst abroad, the Post Office® Travel Money Card is available in Sterling, Euro or US Dollar versions. A prepaid card, it uses the Visa Electron network to offer access to cash machines abroad and can also be used in shops displaying the Visa Electron logo.

3V Vouchers

In a twist on the theme, 3V Vouchers offer a different way to spend with a prepaid product. In this case, you buy vouchers that are disposable Visa numbers on a printed receipt. Like prepaid cards, you can use the vouchers wherever you see the Visa sign. And they have a set value, after using which you just throw it away.

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