Sterling Flexiplus Pay As You Go card

Application Fees
Transaction Fees
Monthly Fees
ATM Charges
Top Up Fees
£1.50 in UK - £3.00 abroad
Free up to £2.00

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Sterling Pay As You Go Card - MasterCard

Top up fees are fees that you need to pay in order to top up your prepaid card with extra funds..... Top up fees are FREE OF CHARGE using the folllowing top up providers or methods:

Free Top Up Charges Charges Timescales
Debit Card Free of charge Instantly
Wages Free of charge 1 - 3 business days
Bank Free of charge 1 business day
Cashplus Outlets Free of charge 30 Mins
Post Office Free of charge 30 Mins

Top Up options that are charged

Epay £2.00  


Payee name: APS Customer Payment Account
Account number: 10230643 - digit account number
Sort code: 15-20-25 - 6 digit sort code
Payment ref – the 16 digit number across the front of your card

Card Load Limits

Maximum Card Limit: £5000.00
Maximum Load Amount: £5000.00
Minimum Load Amount: £10.00
Maximum ATM Withdrawl: £250.00


Sterling Pay As You Go MasterCard Prepaid Card

Usage charges for your card are charges that you need to pay when you use your prepaid card in when making purchases or taking out money at ATM's or banks....

Card Issue Fee: £9.95
Additional Cards: £4.95
Annual Fee: Free
Transaction Fees UK: £1.50
Foreign Exchange Fees: 2.99%
Monthly Service Fee: Free
ATM Charge UK: £1.50 per ATM cash withdrawal in the UK
ATM Charge Abroad: £3.00 per cash withdrawal using abroad
Cancellation / Redemption: £10.00
Replacement Card Fees: £4.95

Balance Enquiry

By SMS / Text Message: £0.25
By Phone: £0.10 per minute
Via the Internet: Free

Creditbuilder facility is included free in your monthly subscription * When you complete the application and first load your card with £10 your Sterling prepaid card can then be activated and ready to use.


Sterling Card is a pre-paid card. It gives you many of the benefits of a bank account with added security. This means that like a pay as you go phone, you need to put money on your account before you can use it.

It is not a debit card that is linked to a bank account or credit card where you pay for your transactions at a later date

There is NO MONTHLY FEE FOR ADDITIONAL CARDS: Annual purchase price for additional cards is £4.95 with no additional monthly fee.

You can use each card abroad to obtain local currency through MasterCard ATMs or to shop in store and online. The Sterling Card can be used at over 28 million locations and over 1.5 million ATMs worldwide, anywhere that displays the MasterCard acceptance mark.

You can assign an additional card to a loved one as young as 13 years old, and you have up to 4 additional cards per account. If you have children this could be a great solution for you, as you will always have peace of mind that they have to access to funds and it's safer than carrying cash.

It's also a great way to pay pocket money and give children an introduction in how to manage their money responsibly.


Main Features and Benefits

  • Cashback Program
  • Credit Building Facility
  • Earn Vouchers
  • Mobile Banking
  • No bank Account
  • No Credit Checks
  • Online Banking
  • Price Protection
  • Purchase Protection
  • SMS Banking
  • Standing Orders
  • Telephone Banking

You have chosen to apply for a Sterling prepaid card, please ensure you meet the following points as this will make your application more likely to be approved. Please ensure that:

You are at least 18 years of age You are a permanent resident/citizen of the UK Pay £9.95 application fee to get your card.

Please note that until payment is made your Sterling card account will not be opened.

How to Pay

Pay now - The fastest and easiest way to pay is by debit card. Make a simple one off payment whilst signing up. Confirmed highly secure website, with card and personal details protected.

Pay later - If you prefer to pay by cash. Choose pay by cash at a Post Office® when you apply. They will send you a letter and in most cases an email. Take it to any of the 12,000 UK Post Office branches to pay. Your card will then be with you in three to five days.

These points are simply a guide to the minimum acceptance criteria for the Sterling card. Please ensure you read their terms and conditions and see a full list of charges.

The decision to accept will only be made by Sterling card after they have taken your details, confirmed your ID and received payment.

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