Cashplus has no direct link to your bank account and is not a debit card or credit card as there is no credit facility. Your Cashplus Prepaid MasterCard is a monthly subscription fee and is free to make as many transactions as you like and is alos free to top up your prepaid card.

If you've been refused credit or find that you're only offered credit cards with a high APR, you may be suffering from a low credit rating.

Get a Cashplus with credit builder and you can increase improve your credit. With Credit builder the more loans you've successfully repaid, the better your credit rating is likely to be. Creditbuilder is a low-risk, low-cost way of adding a loan repayment to your credit history to raise your credit score. This should improve your chances of being approved for credit in the future.

You don't pay a penny more with Creditbuilder than you would with a normal Cashplus account. Use your Cashplus card at the Cashback online store that's packed with 100s of big brands and you'll get money back on absolutely everything you buy there – for free