First Premier prepaid card is not a credit card, which provides you with a line of credit, nor is it a debit card which is linked to a bank account. This means that with First Premier prepaid card you can't go overdrawn or borrow money– you can only spend the money you have loaded onto it, so you stay in complete control of your money.

The First Premier cards are great for people who can't get a bank account but prefer the convenience of a card for everyday shopping - there is no credit check, so everyone can apply*.

First Premier cards are cautious with their cash and want to control their spending - there's no line of credit.

First Premier cards for people who would like the ability to move funds to a friend or relative, regularly safely and securely

First Premier cards for people who want all the above plus the ability to use the card online and on the high street - it's a MasterCard card so its accepted at shops as readily as a MasterCard credit or debit card.

The First Premier Card is an electronic money product and although it is a product regulated by the Financial Services Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the First Premier Card. This means that in the event that Newcastle Building Society becomes insolvent your funds may become valueless and unusable and as a result you may lose your money