Compare the best prepaid credit cards

  - Take control of your spending! Prepaid credit cards can't get you into debt, so they're great if you've had trouble getting a bank account.

Compare the Best Prepaid Cards For Everyday Use

 Transaction FeesMonthly FeesIssue FeesATM ChargesCredit Builder OptionAdditional Information 
 
Net+
Net+
NilNilNil£3.00No
  • Debit Card
  • Credit Card
  • Internet
  • Bank Account
  • Ukash
  • POLi vouchers
Go to Site
Pockit MasterCard
Pockit MasterCard
NilNil£0.99£0.99No
  • Paypoint
  • Internet
  • BACS
  • Debit Card
 
Orange Cash Card
Orange Cash Card
NilNil£5.002.95%No
  • Paypoint
  • Post Office
  • Online - Debit Card
  • Online - Credit Card
  • Wages paid in
  • Orange Store
Go to Site
Kalixa
Kalixa
NilNil£6.95£1.75No
  • Debit Card
  • Credit Card
  • Internet
  • Bank Account
  • Wages
  • Standing Order
  • Authorised partner store
Go to Site
Ukash Prepaid
Ukash Prepaid
NilNil£9.00£1.50No
  • Debit Card
  • Bank Account
  • Cash
  • Post Office
  • Ukash
  • Internet
  • Mobile App
  • SMS text
  • Wages
Go to Site
Prepaid Financial Services
Prepaid Financial Services
Nil£1.00£8.951.50% (Min £1, Max £3.75)No
  • Debit Card
  • Credit Card
  • Payzone
  • Internet
  • Bank Account
  • SMS Text
  • Wages/Benefits
  • Standing Order
Go to Site
Spark
Spark
Nil£2.50£10£1.50No
  • Post Office
  • Payzone
  • Credit Card
  • Debit Card
  • Wages/Benefits
  • Bank Account
  • Internet
  • Card to card transfer
Go to Site
Post Office® Money Card Pay
Post Office® Money Card Pay
Nil£4.95Nil£1.00No
  • Debit Card
  • Post Office
  • Internet
  • SMS Text
 
Cashplus Gold - Activeplus
Cashplus Gold - Activeplus
Nil£4.95£4.95£0.99Yes
  • Post Office
  • Internet
  • Wages
  • BACS
  • Authorised partner store
Go to Site
iCount Pay Monthly
iCount Pay Monthly
Nil£9.95£4.95£0.50Yes
  • Paypoint
  • Post Office
  • Instore
  • Bank Account
  • Standing Order
Go to Site
Sponsored Products
T24 Black
T24 Black
Nil1.80%$170NilNo
  • Credit/Debit Card
  • Priority Pass
  • Travel insurance (including medical)
Go to Site
Bread
Bread
2.00%Nil£7.50 (£10 if paying by SMS)£1.50No
  • Bank Account
  • Paypoint
  • Post Office
  • Standing Order
  • Wages
  • 24/7 SMS/Web balance updates
  • Up to 4 extra cards for friends & family
Go to Site
iCount Pay As You Go Mastercard
iCount Pay As You Go Mastercard
2.5%Nil£4.95£0.75 UK / £1.50 AbroadYes provided by APS
  • Min Age: 18
  • Up to 4 additional cardholders from age 13
  • Top Up:
  • Post Office - £0.99
  • Cashplus Store - FREE
  • Bank Transfer / Salary / Benefits/ Standing Order – FREE
Go to Site
Last Updated: Monday 17 August 2015 15:08

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply online today. Products shown with a yellow background are sponsored products.

Disclaimer:
All information is subject to change without notice. Please check all terms before committing yourself.
 

How to choose the best prepaid card

Our prepaid cards chart is ordered by the lowest UK transaction fee, lowest monthly fee, then lowest application fee.

Prepaid cards are not a form of credit – you can only spend money that you’ve previously put onto the card. They work in a very similar way to pay-as-you-go mobile phones – once you’ve used up the money on the card you can’t spend on it again until you “top-up”.

There are Visa or MasterCard options to choose from, both of which are widely accepted.

Prepaid cards are ideal for:
• People who have had debt problems (including those who have an IVA or who have been made bankrupt)
• Students
• Young people
• People who are unable to get a UK bank account

Some providers even offer a “Credit Builder” option which can help improve or re-build your credit score.

Most cards will allow your wages to be paid to the prepaid card directly, as well as offering a number of other ways to top-up, these include:
• Bank account transfer
• Debit or credit card payment
• Standing order
• Internet
• Post Office
• SMS text

Make sure the method you would like to top-up by is one of those accepted by the prepaid card provider, before applying.

One downside to prepaid cards is that they can charge a lot in the way of different fees. Look for cards with low monthly fees as well as prepaid cards that don’t charge transaction fees. Most will charge you for using an ATM, so if you prefer to withdraw cash than use your card for purchases, be sure to select a card with a lower fee.

What next?

Learn how prepaid cards can be a convenient way to control spending

Read about the advantages and disadvantages of prepaid cards

 

Prepaid Card Types

Prepaid Everyday CardsPrepaid Everyday Cards
Preload your card with money that you already have so you only spend what you have.

Prepaid Travel Money CardsPrepaid Travel Money Cards
Preload them with foreign currency before you travel so you know how much you have to spend abroad.

Business Prepaid CardsBusiness Prepaid Cards
Need a payment option for staff, but don’t want a credit card?

Drive down debt with record credit card deals
Drive down debt with record credit card deals

Looking to pay down your debt with a 0% balance transfer credit card? Well, we’ve got some great new... More

The rising popularity of cards over cash
The rising popularity of cards over cash

When you’re at the till, do you instinctively reach for the cash, or your debit or credit card? Chan... More

Things to never do if you want a good credit score
Things to never do if you want a good credit score

Having a good credit score is the key to a wealth of borrowing opportunities. It can quite literally... More

Holidaying abroad? Pack the right card!
Holidaying abroad? Pack the right card!

Summer may officially be with us, but the lack of sunshine means it doesn’t really feel like it. It’... More

Shift to card spending continues
Shift to card spending continues

There’s an ongoing shift towards spending on debit and credit cards as opposed to using cash, even f... More

Guide to 0% balance transfer credit cards
Guide to 0% balance transfer credit cards

Getting a long 0% balance transfer credit card can reduce your debt quickly and cheaply. But there a... More

Find your credit card providers
Find your credit card providers

Find out who provides your credit card. Most branded cards are issued by another provider – this cou... More

What type of credit card is best?
What type of credit card is best?

They’re so easy aren’t they: credit cards? It lands on your doormat, 85.60 x 53.98mm of pure spendin... More

Credit card extends its 0% purchase term
Credit card extends its 0% purchase term

Clydesdale and Yorkshire Banks have extended the interest-free period for purchases on their credit ... More

Balance transfer card gets a fee reduction
Balance transfer card gets a fee reduction

Virgin Money has reduced the price of its introductory balance transfer fee on its 32-month balance ... More

Market-leading balance transfer card launched
Market-leading balance transfer card launched

Virgin Money has topped the Moneyfacts charts with its new 40-month 0% balance transfer credit card,... More

Outstanding balance transfer credit card
Outstanding balance transfer credit card

MBNA has increased the introductory term on both balance transfers and money transfers on its Fluid ... More

Barclaycard’s outstanding credit repair card
Barclaycard’s outstanding credit repair card

Barclaycard has increased the introductory balance transfer fee on its 18-month credit repair card, ... More

Close