Prepaid Credit Cards UK - Get a Prepaid Card No Credit Check Needed

Prepaid Cards

Prepaid cards are a beneficial alternative to a regular credit card. Allowing you a handy way to make payments and transfer money, prepaid cards will not offer a line of credit. In other words, you cannot go into debt with a prepaid card. Credit checks are nonexistent and you can apply for a prepaid card if you plan to go abroad, have a low credit rating, need a way to manage money, or want to keep tabs on your kids' spending habits.

Operating similarly to a 'pay as you go' phone, prepaid cards allow the user to simply load the card with funds and spend at a wide range of retailers, online, restaurants, and ATMs around the globe. Parents can have a main card and give kids second cards – allowing them to access money quickly while parents retain control. Make sure to check for fees and charges when using the comparison table below.

COMPANY	ISSUER	COST	MAX	MONTHLY FEE	PURCHASE BALANCE	ATM FEE	UNDER 18	SMS SERVICES	MONEY SHARE	APPLY
Cashplus Gold Mastercard		£9.95	£5000	£4.95	£0	£1.00	No	No	Yes
Cashplus Gold Mastercard	Top-up for FREE at 14,500 locations, including any UK Post Office® branch Use at over 25 million retail outlets and over 1 million ATMs worldwide, wherever you see the MasterCard acceptance mark. 100% acceptance guaranteed!									Top Ups Top Ups Post Office Top Up Rate: 0% (Min: £0.00, Max: £0.00) Wages Top Up Rate: 0% (Min: £0.00, Max: £0.00) BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. Free Top Up at Post Offices and cashplus retail outlet 2. Wide acceptance globally 3. No card to card Money Transfer fee 4. You can rebuild your credit rating 5. FREE purchase protection included Disadvantages Disadvantages 1. £4.95 Monthly charge is high 2. No SMS banking
Bread Card		£7.50	£3500	£0	£2.00	£1.50	Yes	Yes	Yes
Bread Card	Features - 3 choices of design, can be bought by mobile phone SMS, up to 10% cashback at over 900 online shops. Can be loaded for FREE at Post Offices or by bank transfer. FREE SMS balance checking service also. Only £7.50 to buy card and now accepted everywhere the Mastercard logo is found.									Top Ups Top Ups Paypoint Top Up Rate: 3% (Min: £0.00, Max: £0.00) Wages Top Up Rate: 0% (Min: £0.00, Max: £0.00) BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Post Office Top Up Rate: 0% (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. Free Top up at Post Office and by BACS Bank transfer 2. No monthly fee 3. Flat £1.50 fee for card to card transfer 4. FREE SMS balance checking service 5. 24/7 Free Email Customer Services Disadvantages Disadvantages 1. UK Purchase fee of 2% of transaction value 2. Customer Service calls are expensive
ClearCash		£4.50	£5000	£9.99	£0	£0.50	No	Yes	No
ClearCash	Features – Unique online Budgeting tools 'BudgetMaster', downloadable budgeting packs, can be bought by mobile phone SMS, up to 10% cashback at over 900 online shops using ClearCashback.co.uk. Full Purchase Protection package. Can be loaded for FREE at Post Offices or by bank transfer. FREE SMS balance checking service also. Only £4.50 to£5.00 to buy card and now accepted everywhere the MasterCard logo is found									Top Ups Top Ups Paypoint Top Up Rate: 3% (Min: £0.00, Max: £0.00) Post Office Top Up Rate: 0% (Min: £0.00, Max: £0.00) Wages Top Up Rate: 0% (Min: £0.00, Max: £0.00) BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. Free Top up at Post Office and by BACS Bank transfer. 2. Fantastic Budgeting tool "BudgetMaster". 3. Full Purchase Protection Package. 4. FREE SMS balance checking service. 5. 24/7 Free Email Customer Services. 6. Full online bill payment facility and standing orders. 7. Downloadable Budgeting packs. 8. "Ask The Experts" FAQ page. 9. Blogs, vodcast and client review area. 10. Online Livechat facility. 11. Most transparent of providers. 12. Discount shopping site. Disadvantages Disadvantages 1. Overseas transactions 2.75% . 2. Overseas ATM withdrawals £1.50 + 2.75% of value. 3. Overseas Cash Advance Fee £1.50 + 2.75% of value.
Onebanking Prepaid Card Bank Account		£30	£25000	£12.50	£0	£0	No	Yes	Yes
Onebanking Prepaid Card Bank Account	Onebanking is both a banking facility and a Prepaid card that's open to everyone. Irrespective of your current situation or past credit history. There are no credit checks! You will also get a personal account manager to help you manage your money.									Top Ups Top Ups Bank Top Up Rate: 0% (Min: £0.00, Max: £0.00) BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Wages Top Up Rate: 0% (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. Bank Account and Prepaid Card - with no Credit checks 2. No purchase Fee 3. No UK ATM Fee 4. No Top Up Fees 5. One to One account manager available 6. Billing account allows a max balance of £25,000 7. You earn interest on any money held in your billing account Disadvantages Disadvantages 1. £30 application fee 2. £12.50 Monthly Fee
Freedom Prepaid MasterCard		£9.99	£3000	£0	£0	£1.50	Yes	Yes	Yes
Freedom Prepaid MasterCard	The Freedom Card is the UK's first retail instant issue, fully reloadable, embossed Prepaid MasterCard® with chip & PIN security that customers can purchase without any ID. The instant card has a maximum balance of £650 - upgrade your card by providing a Passport, or UK Driving Licence to £3,000. NOW with FREE Insurance Protection, Discounts at 1000's online stores and Cheque Cashing Service!									Top Ups Top Ups Paypoint Top Up Rate: 3% (Min: £0.00, Max: £0.00) Post Office Top Up Rate: 2% (Min: £0.99, Max: £0.00) Wages Top Up Rate: 0% (Min: £0.00, Max: £0.00) BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. Pay As You Go, Mixed or Monthly tariff. 2. 100% acceptance and no ID needed for Instant Cash card. 3. Cheque Cashing Services. 4. FREE Insurance Protection. 5. FREE Discounts at 1000's online retailers. 6. Available to top up at Post Office, by PayPoint and bank transfer. 7. Add up to 2 Companion Cards. Disadvantages Disadvantages 1. 2.75% purchase fee. 2. Money share ability available after upgrade.
Tuxedo Prepaid Mastercard		£9.95	£3000	£4.99	£0	£0.50	No	Yes	Yes
Tuxedo Prepaid Mastercard	Tuxedo Pay Monthly - Monthly charge but fees are less on usage than the Tuixedo pay-as-you-go card. Better for regular users.									Top Ups Top Ups Post Office Top Up Rate: £0.99 (Min: £0.00, Max: £0.00) Paypoint Top Up Rate: 3% (Min: £0.00, Max: £0.00) Internet Top Up Rate: 3% (Min: £0.00, Max: £0.00) Bank Top Up Rate: 0% (Min: £0.00, Max: £0.00) Services Services Prepaid Card. Advantages Advantages 1. Free and unlimited purchases 2. UK ATM withdrawal only 50p 3. Card to card transfer only 20p 4. Free Bank load and paying in book Disadvantages Disadvantages 1. 3% fee for Paypoint or online load 2. Max card balance of £3,000
Splash Plastic		£5.00	£3500	£0	£2.50	£1.50	Yes	Yes	No
Splash Plastic	Available to persons aged 10 and over, you can top up Splash Card at any Post Office branch or PayPoint outlet, over 34,000 locations across the UK									Top Ups Top Ups Paypoint Top Up Rate: 3% (Min: £0.00, Max: £0.00) Post Office Top Up Rate: 3% (Min: £0.00, Max: £0.00) BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Internet Top Up Rate: 0% (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. You can buy by SMS Mobile text message 2. Available to under 18s Disadvantages Disadvantages 1. Annual Fee of £4.95 2. UK ATM Fee = £1.50 (+ 2% for withdrawals above £50)
Speed-e-card		£7.95	£3,000.00	£2.9	£0.75	£1.50	No	Yes	No
Speed-e-card	Speed-e-card is a prepaid MasterCard that works like a debit card, except you control the amount you load onto the card. You cannot go over drawn. Use worldwide wherever the MasterCard Acceptance Mark is displayed.									Top Ups Top Ups Paypoint Top Up Rate: £2.00 BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Services Services 1. Load your salary and manage your bills online. 2. No credit check to pass. Advantages Advantages 1. Load your salary and manage bills online 2. Use worldwide wherever the MasterCard Acceptance Mark is displayed 3. No bank account needed and no credit check to pass. 4. Security SMS to you EVERY time your card is used 5. Accepted at ATMs 6. Easy to load and use as soon as you get your speed-e-card! Disadvantages Disadvantages 1. There is a £10 fee to use your card abroad. 2. Paper statements are £1.50
Virgin Prepaid Card		£9.95	£3500	£4.75	£0	£1.50	Yes	No	No
Virgin Prepaid Card	The Virgin Prepaid MasterCard prepaid card gives you money off - on Virgin holidays, films, music, games, gyms, wine and more.									Top Ups Top Ups Paypoint Top Up Rate: 2.75% (Min: £0.00, Max: £0.00) Post Office Top Up Rate: 0% (Min: £0.00, Max: £0.00) Internet (Credit) Top Up Rate: 2.5% (Min: £0.00, Max: £0.00) Internet (Debit) Top Up Rate: 0% (Min: £0.00, Max: £0.00) BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. Discounts on many Virgin products 2. Free Post Office Top Ups 3. No purchase fee when used Disadvantages Disadvantages 1. Monthly fee of £4.75
Optimum Pay Monthly Mastercard		£9.95	£5000	£4.95	£0	£1.50	Yes	No	No
Optimum Pay Monthly Mastercard	The Optimum Prepaid Pay Monthly card is for users who are planning to use the card more regularly. The fees are lower than the Pay As You Go card but there is a monthly fee.									Top Ups Top Ups BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Post Office Top Up Rate: 0% (Min: £0.00, Max: £0.00) Internet (Debit) Top Up Rate: 0% (Min: £0.00, Max: £0.00) Wages Top Up Rate: 0% (Min: £0.00, Max: £0.00) Paypoint Top Up Rate: 3% (Min: £0.00, Max: £0.00) Top Up Pack Top Up Rate: £0.99 (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. Can be bought with SMS (£2.50 additional charge) 2. Free Post Office Topup 3. No purchase fee 4. Can be used for online betting and gambling (3% Surcharge) 5. FREE first replacement card (£5 thereafter) 6. Available to Under 18s Disadvantages Disadvantages 1. Cash withdrawals in excess of £600 per annum, single debit transactions of £600 and total annual spend above £1,600 may be subject to identity verification 2. No money share option 3. £4.95 monthly fee
White Eagle Prepaid Maestro Card		£4.95	£5000	£0	£0	£0.95	No	Yes	Yes
White Eagle Prepaid Maestro Card	The White Eagle Prepaid Maestro card costs only £4.95 (introductory offer.)You can also buy a 'Companion Card' which can be given to a relative (13 years and older) and money transferred from the main card FREE OF CHARGE. There is NO purchase fee in the UK or abroad, so is cheap to use on holiday or abroad. Card is available in pounds and Euros.									Top Ups Top Ups Paypoint Top Up Rate: 3% (Min: £0.00, Max: £0.00) Wages Top Up Rate: £1.00 (Min: £1.00, Max: £1.00) BACS Top Up Rate: £1.00 (Min: £1.00, Max: £1.00) Foreign Bank Top Up Rate: £1.00 (Min: £1.00, Max: £1.00) Services Services Prepaid Card Advantages Advantages 1. Card only costs £4.95 2. Point of Sale payment UK & Overseas is FREE 3. 100% approval guaranteed - no need for credit checks or a credit history 4. Money can be transferred between cards free of cost 5. UK ATM is only £0.95 6. Live currency conversions provided online - so you know the realtime exchange rate 7. Can be topped up by foreign bank transfer for only £1 8. Card is available in pounds and Euros Disadvantages Disadvantages 1. No post office or bank cash pay in 2. Paypoint is 3% 3. No top-up by credit/debit card online or by phone
The Sun Prepaid Mastercard		£6.49	£3000	£4.99	£0	£0.5	No	Yes	Yes
The Sun Prepaid Mastercard	Low ATM withdrawals at 50p and no transaction fee at home or abroad. Loading via bank is free and you will be provided with your own paying in book with the initial purchase.									Top Ups Top Ups Bank Top Up Rate: 0% (Min: £0.00, Max: £0.00) BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Paypoint Top Up Rate: 3% (Min: £0.00, Max: £0.00) Internet Top Up Rate: 3% (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. Low UK ATM fees - £0.50 2. No point of sale fee in the UK or abroad 3. SMS Account Control Available 4. Free LOad at Bank - free Paying in book Disadvantages Disadvantages 1. £4.99 Monthly Fee
Cashplus Gold Pay As You Go		£9.95	£5000	£0	£1.00	£2.00	No	No	Yes
Cashplus Gold Pay As You Go	This is Cashplus's Pay as you go card - it is designed for users who use the card infrequently. There is no monthly fee; but a £1 purchase fee everytime you use it. So if you plan to use the card less than 5 times a month - this is the card for you.									Top Ups Top Ups Post Office Top Up Rate: 0% (Min: £0.00, Max: £0.00) Wages Top Up Rate: 0% (Min: £0.00, Max: £0.00) BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. No monthly fee 2. Free Top Up at Post Offices and cashplus retail outlet Disadvantages Disadvantages 1. High purchase fee at £1.00
Optimum Pay As You Go Mastercard		£9.95	£5000	£0	£2.95	£1.50	Yes	No	No
Optimum Pay As You Go Mastercard	The Optimum Prepaid Pay As You Go card is for users who are planning to use the card more less frequently. There is no monthly fee but there is a 2.95% transaction fee.									Top Ups Top Ups BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Post Office Top Up Rate: 0% (Min: £0.00, Max: £0.00) Internet (Debit) Top Up Rate: 0% (Min: £0.00, Max: £0.00) Wages Top Up Rate: 0% (Min: £0.00, Max: £0.00) Paypoint Top Up Rate: 3% (Min: £0.00, Max: £0.00) Top Up Pack Top Up Rate: £0.99 (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. No Monthly Charge 2. Can be bought with SMS (£2.50 additional charge) 3. Free Post Office Topup 4. Can be used for online betting and gambling (3% Surcharge) Disadvantages Disadvantages 1. 2.95% Transaction fee 2. Cash withdrawals in excess of £600 per annum, single debit transactions of £600 and total annual spend above £1,600 may be subject to identity verification 3. No money share option
The Sun Pay As You Go Prepaid Card		£6.49	£3000	£0	£2.95	£1.50	No	Yes	No
The Sun Pay As You Go Prepaid Card	The Sun Pay as You Go card had no monthly fees - you only pay when you use the card. However there are charges associated with the card which you would not incur if you buy the Sun Mastercard									Top Ups Top Ups Bank Top Up Rate: 0% (Min: £0.00, Max: £0.00) BACS Top Up Rate: 0% (Min: £0.00, Max: £0.00) Paypoint Top Up Rate: 3% (Min: £0.00, Max: £0.00) Internet Top Up Rate: 3% (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. No Monthly Fees 2. Free Top Up at High Street Banks 3. SMS Account Control 4. £5 Cashback with your first load 5. Card to Card Money Transfer Available Disadvantages Disadvantages 1. 2.95% (min 50p, max £1.50) Purchase Fee 2. Top Up via Credit/Debit Card (internet or phone) 3% with no ceiling
Tuxedo Pay As You Go Prepaid Card		£9.95	£3000	£0	£2.95	£1.50	No	Yes	Yes
Tuxedo Pay As You Go Prepaid Card	Pay as you go card with free paying-in book and no monthly fees. Fees are only paid when the card is used.									Top Ups Top Ups Post Office Top Up Rate: £0.99 (Min: £0.00, Max: £0.00) Paypoint Top Up Rate: 3% (Min: £0.00, Max: £0.00) Internet Top Up Rate: 3% (Min: £0.00, Max: £0.00) Bank Top Up Rate: 0% (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. Free Bank Topup and paying-in book 2. No Monthly Fee 3. Pay as you go fees only 4. 15% cashback when you shop at over 500 online shops Disadvantages Disadvantages 1. 2.95% purchase per use fee 2. 3% fee on Paypoint and online loads
BaBeeCard Prepaid Mastercard		£9.95	£3000	£0.75	3%	£1.00	Yes	Yes	Yes
BaBeeCard Prepaid Mastercard	Babeecard Mastercard is a card designed for new mothers, mothers-to-be, and families - you can save at selected retailers including John Lewis, Waitrose, Asda, Sainsbury's, Mothercare and more. In fact the card is suitable for anyone who wants to make savings, especially on groceries.									Top Ups Top Ups Internet (Debit) Top Up Rate: £1.00 (Min: £1.00, Max: £1.00) Bank Top Up Rate: 0% (Min: £0.00, Max: £0.00) Services Services Prepaid Card Advantages Advantages 1. Free per purchase transaction in the UK. 2. Saves you 8% at John Lewis, Waitrose & Ocado. 3. Saves you 5% on Sainsbury's and Asda groceries and petrol. 4. Save 5% at Mothercare. 5. £1 donated to BLISS for each card purchased. 6. Card to card transfer is only £0.75. Disadvantages Disadvantages 1. ATM withdrawals are restricted to £50 per day. 2. Card valid for 1 year only. 3. Maximum single load of £500.