Featured prepaid card

The Sun Prepaid Card Card application fee: Monthly fees: Withdrawal fees: Reload charges: Useful information:	Go to The Sun Prepaid Card website >> £6.49 No monthly fee and 2.95% on transaction fees(min 50p, max £1.50) per purchase in the UK UK ATM 1.5% (min 99p, max £1.50) Free using paying-in book, bank transfer, BACS/Wages online and at PayPoint Max balance -£3000.00 chip and Pin MasterCard

Have bad credit- Will I be approved for a prepaid card?

Prepaid credit cards offer a convenient way to control your spending and assist you in getting in to debt while still enjoying the flexibility of plastic. Prepaid cards are not offering you credit in advanced and you are not signing any credit agreement.

As you are loading your money on to your card you can only spend what you have, by checking online or over the phone you can keep up to date with your balance. All applicants will usually be approved based on conformation of an ID check usually a passport, driving licence and a utility bill. All the cards listed on our site will provide you with a prepaid card based on their terms and conditions and charges.

I have a CCJ can I get a prepaid card?

You will not get declined for bad credit for a prepaid card. You do not have to pass a credit check, so people with current or previous bad credit or CCJ‘s will be approved for a prepaid MasterCard or Maestro card.

Can I get a prepaid card if I’m Bankrupt?

Yes depending on the prepaid card provider. For further information please email us and we will assist.

What are the benefits?

Unfortunately bad debt is on the increase, banks are increasing charges and loan companies are making it easier to get credit, how does that affect you, if you cant keep up the minimum payments chances are you are going to get in to debt. Prepaid cards are now a serious alternative, all their charges are clearly laid out usually in the terms and conditions and companies are now.

Prepaid credit cards have been gaining in popularity in recent years, and have grown by 28% this year and are likely to continue doing so. A standard credit card is a great financial tool when used responsibly, but standard cards aren’t for everyone. Bottom line: prepaid cards are a safe, convenient and debt-free payment alternative for all types of consumers. Use the information below to find out what your needs are.

Way up what is best for your situation

Cost of card – these vary depending on what your card can do and if it is a Maestro or MasterCard Maestro cards are cheaper but MasterCard has more capabilities

Card Activation fees – some cards mainly “cost per transaction” charge an annual fee

Annual charges – some cards mainly “cost per transaction” charge an annual fee

Monthly fees – these are ideal if you know you are going to use your card on a regular basis it can help you budget more easily

Cost per transaction – if you are only going to use your card every now and again then this plan will suit you, but be careful as this can add up to more than a monthly fee

Withdrawing cash – (ATM’s) – If you are just going to take cash from cash machines look at the charges and see who is offering the lowest fees

Wages payments – Free with nearly all the prepaid MasterCard’s

Direct debits – you cannot do direct debts on prepaid cards as the amount is variable and this can cause you to have insufficient funds if they take more than expected

Standing orders  - you can with some of the MasterCard brands, you phone up the customer service line and they will send you a form

Re loading charges – Think about the way you can top up, online is usually free, some companies charge over the phone, look at standing orders normally free, and nearest location there is no point if the nearest post office is miles away

Benefits – all the MasterCard brands offer discounts on car hire, hotels and flights to USA, some prepaid cards like Crystal offer hundreds of discounts when you pay with your card.

Also see Bankruptcy >>

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