Compare Prepaid Cards

Sterling Card - Flexiplus : 100% Acceptance Guaranteed!
Telephone Support : Available from 10am - 6pm Monday to Friday and Saturday from 10am - 4pm. Calls cost 10p per minute from BT landlines. 24/7 helpline for lost and stolen cards.Apply Online : If you pay online and we can confirm your identification details, such as your name and address your card can be sent to you within 7 to 10 days.Loan Payment Speed : If you pay online and we can confirm your identification details, such as your name and address your card can be sent to you within 7 to 10 days.Bad Credit Accepted : If you pay online and we can confirm your identification details, such as your name and address your card can be sent to you within 7 to 10 days.

Sterling Card - Flexiplus

100% Acceptance Guaranteed!

Use wherever you see the Mastercard™ Logo, shop online, get ATM withdrawls or use instores worldwide. Pay in your wages and get additional cards printed for family or friends to use or to send money back home or abroad. Free top-ups at any Post Office® Branch, in store or online. No worries with Chip and PIN security and purchase protection included. No credit checks and no bank account needed to apply with 100% acceptance guaranteed!

Set Up Fee Monthly Fee Purchase Transactions ATM Cash Withdrawl
£8.95 FREE £1.50
UK £2.50 Abroad £2.50
Sterling Card - Flexiplus
Bread Prepaid Card : No bank account? No problem!
Telephone Support : Available for enquiries and account management from 9am - 5.30pm Monday to Friday and an emergency number is available 24 hours a day, 7 days a week in case you lose your card.Apply Online : Order your card online. To issue your card, we will need your passport or UK driving licence number and a delivery address.Loan Payment Speed : You should get your card within 10 days of receiving your order.Bad Credit Accepted : You should get your card within 10 days of receiving your order.

Bread Prepaid Card

No bank account? No problem!

The BREAD Card is available to anyone with a valid international digital passport or driving licence and a UK delivery address - pay by card or SMS text message. You can use your BREAD Card to share money with people who live abroad. Approval is 100% guaranteed when you provide us with your passport number and current address.

Set Up Fee Monthly Fee Purchase Transactions ATM Cash Withdrawl
£10.00 FREE 2.00%
UK £1.50 Abroad £1.99
Bread Prepaid Card
Optimum Card : Free Purchase Transactions!
Telephone Support : You can contact our customer services department between 9:00 and 17:00 Monday to Friday or for lost or stolen cards 24/7.Apply Online : When you apply for your card, we will ask for your name, and full address with a valid postcode. We need this to deliver your card. However, we do reserve the right to decline your application if the details you provide do not match the details on our postal address database. We will also use external verification agencies to confirm your address as part of our commitment to fraud prevention.Loan Payment Speed : Your card will be delivered within 10 working days of your application being confirmed.
Bad Credit Accepted : Your card will be delivered within 10 working days of your application being confirmed.

Optimum Card

Free Purchase Transactions!

Use your optimum prepaid card to the full with free purchase transactions and a maximum daily cash withdrawl of up to £600. Load your card with your wages, bank transfers or Post Office® top ups for free. Shop online, in stores or wherever you see the MasterCard™ logo. Manage your account online (optional).

Set Up Fee Monthly Fee Purchase Transactions ATM Cash Withdrawl
£9.95 £4.95 FREE
UK £1.50 Abroad 2.95%
Optimum Card
Splash Plastic Card : Get your wages paid directly into your card account!
Telephone Support : Customer services is available from 9.00am to 5.00pm Monday to Friday. Calls are charged at £1 per minute. A lost/stolen service is also available 24 hours a day.Apply Online : We will need your name, address, phone number and email address, and a method of payment.Loan Payment Speed : Your card will be delivered within 10 working days of your application being confirmed.Bad Credit Accepted : Your card will be delivered within 10 working days of your application being confirmed.

Splash Plastic Card

Get your wages paid directly into your card account!

Shop anywhere in the world where Maestro® is accepted. Top it up with cash at over 34,000 locations nationwide or get your wages paid directly into your card account by your employer. You can even transfer money from a bank account to your prepaid card. Get cash withdrawls whenever you need from ATM’s. No credit check or bank account required with 100% approval of all applicants above the age of 10(Below 14 need parental consent)

Set Up Fee Monthly Fee Purchase Transactions ATM Cash Withdrawl
£5.00 Free 2.50%
UK £1.50 Abroad £1.50
Splash Plastic Card
Sterling Card - Active Plus : 100% Acceptance Guaranteed!
Telephone Support : Available from 10am - 6pm Monday to Friday and Saturday from 10am - 4pm. Calls cost 10p per minute from BT landlines. 24/7 helpline for lost and stolen cards.Apply Online : If you pay online and we can confirm your identification details, such as your name and address your card can be sent to you within 7 to 10 days.Loan Payment Speed : If you pay online and we can confirm your identification details, such as your name and address your card can be sent to you within 7 to 10 days.Bad Credit Accepted : If you pay online and we can confirm your identification details, such as your name and address your card can be sent to you within 7 to 10 days.

Sterling Card - Active Plus

100% Acceptance Guaranteed!

Use wherever you see the Mastercard™ Logo, shop online, get ATM withdrawls or use instores worldwide. Pay in your wages and get additional cards printed for family or friends to use or to send money back home or abroad. Free top-ups at any Post Office® Branch, in store or online. No worries with Chip and PIN security and purchase protection included. No credit checks and no bank account needed to apply with 100% acceptance guaranteed!

Set Up Fee Monthly Fee Purchase Transactions ATM Cash Withdrawl
£8.95 £5.95 FREE
UK £2.50 Abroad £2.50
Sterling Card - Active Plus

Prepaid Cards Quick FAQ

What are prepaid cards?

Prepaid cards can be used just like credit cards, except that prepaid cards must be topped up with cash before they can be used. The idea is similar to using pay as you go mobile phones. They can be used online, instores and to withdraw cash from ATMs.

Why use a prepaid card?

Prepaid cards have many benefits such helping you to manage and control your spending. They are a great alternative to travellers cheques when travelling abroad and come with many of the benefits of regular credit cards. Check with individual providers as the 'extras' are very different from card to card. Some prepaid cards such as Sterling Card have some really useful benefits, Sterling Card allows you to pay your wages into your card account and so you don't even need a bank account. This is very usueful if you have been refused credit or have recently moved to the UK and haven't built up a credit rating yet. Check out Sterling Card for more details.

How do I choose the best card?

This will depend on your needs as all prepaid cards have different benefits. As a general guide, ask yourself the following:

  • What is the set up cost for the card?
  • What is the monthly fee and what does it cover?
  • What will I be charged for using the card?
  • How can I top up my card? Online? In stores?
  • Will I be able to pay my wages into my card account?
  • Does it come with Chip and PIN security and purchase protection?
  • Can I get extra cards printed for family and friends?
  • Can I use it on holiday or to send money abroad?
  • Can it help me rebuild my credit rating?
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