Reviews

Escape Card – Prepaid MasterCard – Phones 4 U

2012-01-13T18:30:24Z

Phones 4 U Prepaid Card Review

Introducing the new prepaid MasterCard from E.Z.Pay Ltd, part of the Phones 4u Group. Escape Prepaid Card is the latest pay as you go chip and pin MasterCard. The Escape Card is a MasterCard that works just like a pay as you go mobile phone, you can only spend what you have topped up. Now only £9.99 where £5 of which is refunded if you load £100 in the first 90 days.

With a Escape prepaid MasterCard there is no danger of going overdrawn or danger of incurring fees, also is the only card to not charge a transaction fee and monthly fee.

Why get a Phones 4 U pay as you go credit card?

The Escape Card offers a prepaid card with No ID checks (but lower limits) via the Phones 4u store chain as long as any application fee is paid and proof of ID is provided. If you purchase one of these in store, you can simply upgrade by providing ID by email or post and all card restrictions are then removed. The Phones 4 U prepaid card do not charge a transaction fee or monthly fee.

What sort of service do they offer?

Escape Prepaid Card is part of E Z Pay Ltd, part of the Phones 4u Group, which turns over £800+ Million per annum and employs over 5000 members of staff – in terms of stability and standing this dwarfs other prepaid card issuers. There are 450 stores nationwide where instant issue cards can be purchased and all cards can be TOPPED UP WITH CASH FOR FREE.

E Z Pay Ltd are also one of the few prepaid card companies that cater for the international community by having easy to use application forms and how to use videos in 13 different languages. With the Escape card you can top up your mobile phone, from your handset by text message 24 hours a day for free and get cash back everytime you do it. please note that standard network rates apply, i.e. they don’t charge for the service but your provider might.

Payment plans and prepaid card benefits

The Escape is a pay as you go credit card Mastercard. It can be used at over 32 million retail outlets worldwide. Escape card allows you to access all the things like a credit card in the knowledge that your transactions are safe and secure. Card limits are £3,000 for a 3 year personalised card – £1650.00 for a 3 year unpersonalised card – £650.00 for a 1 year spend card.

Who can apply for a Phones 4 U Card?

You can get an Escape Card simply by being 18 years or older and resident in the UK. Online secure application which takes a few minutes to complete, you will require your passport or driving licence or EU ID card to confirm your identity and once you have completed your application you will receive your card in a maximum of 5 working days.

Phones 4 U offer NO credit checks are done as you are guaranteed to be accepted as long as you pay the application fee and provide proof of your ID. Even if you have bad credit you can still be accepted.

If you would like to make a complaint about your Phones 4 U card, contact Customer Services on 0844 871 5444, or by email at customercare@escape-prepaid-card.com. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Cashplus Prepaid Card Review – Cashplus Activeplus

2012-01-04T17:17:39Z

Cashplus Review

The Cashplus prepaid gold MasterCard is the most established card in the prepaid market. With some unique features such as purchase protection and Creditbuilder.

Your Cash plus card voluntarily provides all customers with free purchase protection, similar to that which credit card companies are required to provide under section 75 of the Consumer Credit Act. In the event that goods are not received or defective/damaged cashplus would dispute the transaction on your behalf and in most cases recover the funds already paid to the merchant and credit your account.

Why get a Cashplus prepaid credit card?

One of best features is creditbuilder, which could help customers improve their credit rating simply by continuing to pay their £4.95 activeplus fee. Creditbuilder has proven to improve your credit rating.

Cash plus also cut their UK cash machine charges by more than half, and are now amongst the cheapest at just 99p. Plus the price of additional cards has been slashed and is now Free only on Compare Prepaid when you first top up your account with £20.

What sort of service do they offer?

Cashplus prepaid debit card is an active card which has an exceptional level of service and this is proven with the many customer service awards they have won. Customers are able to service their card in 3 ways: Via Customer Service or Secure Members’ Area and Text Message.

Cash plus offers pricing plans to suit individual customer needs. Activeplus is a pay monthly plan where by you pay a fee of £4.95 per month and in return get your purchase transactions FREE. This plan is suitable for customers who plan to use their card frequently, 5 or more times per month. Also you can also enjoy cashback, a service which enables customers can earn whilst they spend.

Payment plans and prepaid card benefits

The Cashplus Gold MasterCard is a prepayment card by MasterCard with a fixed monthly fee. It can be used at over 28 million retail outlets worldwide and 1.5 ATM machines worldwide. There is no credit check to get you prepaid MasterCard where your account balance must not exceed £5000.00 and currently the card is only available in GBP (£)

Who can apply for a Cashplus Prepaid MasterCard?

You can get a prepaid MasterCard simply by being 18 years or older, resident in the UK and as long as the ID and address verifies online. Once you have completed your online application you will receive your personalised Cash Plus card in a maximum of 5 days.

Cashplus credit card offer NO credit checks are done as you are guaranteed to be accepted as long as you pay the application fee. Even if you have bad credit you can still be accepted.

Complaints procedure If you would like to make a complaint about your prepay card, contact Customer Services on 0871 277 5599, or by post Customer Services: PO Box 466, Salford, M50 2XU. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Kalixa Prepaid Card Review – Kalixa is a Prepaid MasterCard

2012-01-04T17:31:41Z

Kalixa Prepaid card Review

Introducing the new prepaid MasterCard from Vincento. Kalixa Prepaid Money Card is the latest pay as you go chip and pin MasterCard. The Kalixa Card is a MasterCard that works just like a pay as you go mobile phone, you can only spend what you have topped up. Now only £4.95

With a Kalixa prepaid MasterCard there is no danger of going overdrawn or danger of incurring fees, also is the only card to not charge a transaction fee and monthly fee. Your card works as a stored-funds payment card that must be loaded with funds before use. Prepaid cards can be used in the same way as credit cards or debit cards.

Why get a Kalixa pay as you go credit card?

The Kalixa prepaid card do not charge a transaction fee or monthly fee. Kalixa also use chip and pin technology for authentication used on most credit or debit cards to authorise payment within a retail environment or at an ATM. The Kalixa user enters a 4-digit number (the PIN) into the terminal which is then checked against the PIN stored on the card’s chip. If the two match, the cardholder’s identity is verified which allows the transaction to continue.

What sort of service do Kalixa offer?

Kalixa is an alternative to using a credit card or debit card. You can shop on any website that accepts MasterCard – and because your Kalixa Card isn’t linked to your bank account, the risks of online fraud are significantly reduced. Once you’ve chosen your purchases and moved to the checkout or shopping basket, you’ll be offered a list of payment methods – select the MasterCard option.

You’ll then be asked to enter certain details from your Kalixa Card including:

The name on the card
The 16-digit number
The expiry date
The CVC2 (or security) number

Once you’ve done this and confirmed your payment, it will be processed and you’ll receive a confirmation that your payment has been accepted.

Kalixa Payment plans and prepaid card benefits

The Kalixa prepaid card is a pay as you go Mastercard. It can be used at over 28 million retail outlets worldwide. Kalixa prepaid MasterCard allows you to access all the things like a credit card in the knowledge that your transactions are safe and secure. You can load a maximum amount of £3,000.00 per 24 hours into your eAccount. You can load no more than £3,000.00 per 7 days into your eAccount. You can load no more than £9,000.00 per 30 days into your eAccount.

Who can apply for a Kalixa Card?

Getting your Kalixa pay as you go card is easy. You don’t need a credit check and you don’t need a bank account: all you need to do is pay the application fee. Once you’ve filled in the online form you’ll need to load your eAccount. The application fee and Registration Fee will be deducted from your initial load.

The next step is to verify your email address by clicking a link in the email Kalixa prepaid card will send you. Kalixa will then post your Kalixa debit Card separately to your registered address and provide you with an activation code.

You should receive your Kalixa Credit Card within 10 days of application. Once received, you then need to activate it by logging in to the Kalixa website and entering your activation code and 16-digit card number. Your Kalixa Card and eAccount will then be active and you’re ready to go!

Kalixa prepaid card offer NO credit checks are done as you are guaranteed to be accepted as long as you pay the application fee. Even if you have bad credit you can still be accepted.

If you would like to make a complaint about your Kalixa card, contact Customer Services on 0905 484 0021 which will cost you £0.30 a minute, or by write to them at Vincento Payment Solutions Ltd. PO Box 6272 London W1T AWA United Kingdom. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Vanquis Credit Card Review

2011-02-28T12:46:42Z

Vanquis Credit Card Review

Have you had a credit card application declined in the past for any of the following reasons: because you’re new to credit, have a history of bad credit, a bad credit rating (including CCJ’s), you’re on a low income, work part time or are self employed? ‘Vanquis understands these individual circumstances and could offer a solution if you find yourself in this type of situation.

Vanquis credit cards have helped over 1 million people that are suffering from bad credit and need a credit card so they understand the situation you are in. A Vanquis Visa Card could help you make your financial situation and offers flexibility and convenience. You can make a Vanquis Visa credit card application in about 5 minutes and within 1 minute they will give you a response.

Who can apply for a Vanquis credit card?

The Vanquis credit card is a Visa branded card anyone over the age of 18 years can apply for a vanquis card, We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying.

The Vanquis credit card online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection, make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legals, terms and conditions. A credit check is completed to confirm your credit rating, even if you have bad credit you can still be accepted.

What benefits do you get with your Vanquis Credit Card?

There is a repayment plan available from vanquis bank, plus they set your credit limit based on your current circumstances to help you stay in control of your finances. if your circumstances do change then inform them as soon as possible so they can work with you rather than hassling you on the phone when payments are late.

What are the default charges?

There is a default charge this is a minimum of £12.00 for a late payment or any payments you made that have been returned.

What is the minimum payment each month?

The minimum payment is £5.00 or 5% of the outstanding balance which ever is the greater amount. If you only make the minimum payment it will take longer and cost you more to clear your credit card balance. You can avoid additional charges by staying within your credit limit and ensure that your payments are received on time.

What is the Vanquis credit card APR rates?

The vanquis credit card is aimed at people who have bad credit or ccj’s due to this Vanquis charge a higher apr rate due to the risk involved. Please note that if you have a good credit rating then you may want to try one of the other credit cards available at lower arp rates.

Where do I make a complaint?

If you would like to make a complaint about your Vanquis credit card, please write to them at Vanquis Card Customer Services PO Box 399, Chatham, ME4 4WQ. They have procedures in place which will make sure they handle your complaint fairly and quickly. They have procedures in place which will make sure they handle your complaint fairly and quickly. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Fairfx Travel Money Card Dollar Review

2012-01-04T17:21:39Z

FairFX Dollar Prepaid Card Review

FairFX provide their customers with great value travel money by offering market-leading rates. By eliminating expensive bureaus and kiosks with high foreign currency exchange rates, Fairfx can provide best priced Euros and Dollars in a highly convenient fashion. Fairfx currency card currently offer additional benefits when you use your card as well as excellent foreign currency exchange rates

By getting a FairFX card you can also get better exchange rates than high street banks, at bureau de change and travellers cheques. Depending on the exchange rate you can get between 5 to 8% more money.

Why get a FairFX Prepaid MasterCard?

The FairFX travel money card base their service on Price, Convenience and Security. They cut out the middle man and use state of the art technology to execute your foreign currency orders and get your money to you at the best price.

If you are going on holiday and want to pay for transactions using a plastic, use a fairfx travel card. With better rates than the Post Office and Travelex at airports you get a better exchange rate for your money. Fairfx prepaid travel cards are available in euros and Dollars.

What sort of service do they offer?

You’ll receive a full online facility giving you access to your statements 24/7 from anywhere in the world. From there you’ll be able to load money anywhere in the world by internet. Plus Transactions in shops, online and in restaurants are also free of charge. There are no foreign exchange or monthly fees and loading your card is FREE.

The Fairfx travel money card is very flexible you can convert your card in euros or dollars and as a MasterCard you can use worldwide including getting your cash via ATM’s. This is a safer alternative then carrying cash or travellers cheques when going on holiday.

Payment plans and prepaid card benefits

The FairFX prepaid MasterCard is a travel money card where you preload your card with foreign currency. It can be used at over 28 million retail outlets worldwide and 1.5 ATM machines machines worldwide.

There is no credit check to get you prepaid MasterCard where your account balance must not exceed $10,000.00 and currently the card is available in Euro’s or Dollar’s.

Who can apply for a card?

The Fair FX travel money card is a MasterCard branded card where anyone over the age of 18 years can apply for a card. Online secure application which takes a few minutes to complete, you will require your passport to confirm your identity.

FairFX prepaid card will send you a welcome pack in the post once you get your card sign it instantly and then activate your prepaid card online or over the phone, once activated you can then buy foreign currency.

If you would like to make a complaint about your Fair fx card, phone 020 7078 2704 or email them at enquiries @ fairfx.com. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

White Eagle Prepaid Card Review

2011-08-26T17:29:04Z

White Eagle Prepaid Maestro Card Overview

Introducing the White Eagle Prepaid Maestro Card you can enjoy all the benefits of a Maestro Card with no credit checks, no interest payments and no surprises. You can use it almost anywhere in the world (wherever you see the Maestro acceptance mark). Your White Eagle Prepaid Maestro Card works just like a Pay As You Go mobile phone.

It can be topped up with your wages by your employer, with cash at any of the 18,000 shops and garages that display the PayPoint logo and with transfers from any UK bank account.

Why get a White Eagle prepaid credit card?

White Eagle has received many awards for their prepaid card program, including Winning the ‘Best Marketing & Distribution’ prepaid programme at the MasterCard Prepaid Europe Awards 2008. The White Eagle Prepaid card has additional features where you can manage your account by SMS.

The main benefits to the White Eagle card Money can be shared between cards free of charge to friends or family which can be used for pocket money or travel expenses. You can also send money to a friend / family member abroad with the added benefit of highly competitive exchange rates and no transfer fee.

What sort of service do they offer?

White Eagle has received many awards for their prepaid card program, including Winning the ‘Best Marketing & Distribution’ prepaid programme at the MasterCard Prepaid Europe Awards 2008. They are also one of the few prepaid cards that cater for the international community by having easy to use application forms in 18 different languages.

When using a White Eagle card you can only spend what you have loaded onto the card – you can never go overdrawn, so you are guaranteed peace of mind and debt free shopping.

Payment plans and prepaid card benefits

With a White Eagle prepaid card the prepay monthly tariff is a fixed £3.95 fee which is highly competitve in price. It does not matter how many transactions you make you will not be charged any additional fees. Also a Prepaid Maestro card can be used at 9 million locations and 900,00 ATM machines. There is no credit check to get you prepaid Maestro card where your account balance must not exceed £5000.00 and currently the card is only available in GBP (£).

Who can apply for a White Eagle Card?

The White Eagle credit card is a Maestro Card branded card where anyone over the age of 18 years can apply for a White Eagle card. Online secure application which takes a few minutes to complete, you will require your passport to confirm your identity.

NO credit checks are done as you are guaranteed to be accepted as long as you pay the application fee. Even if you have bad credit you can still be accepted.

If you would like to make a complaint about your card, contact Customer Services on customerservices @ white-eagle.com or call their customer service helpline 08448 115 115. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

White Eagle no longer available, See alternate the Freedom Card

Santander Esaver Bank Account Review

2012-01-04T17:14:43Z

Santander Esaver Bank Review

A basic online bank account which offers clear, hassle-free features to make managing your money easier. You can pay your bills using direct debit and standing orders. And with their network of cash machines, it’s easy to get at your money.

Santander eSaver (Issue 2) ia a hassle-free, online savings account with instant, penalty-free access and up to 2.50% gross/AER (variable). In addition you get a free Sandander debit card, allowing you to withdraw up to £300 per day from cash machines.

Why get a Santander Esaver Account?

Great return of 2.50% gross/AER (variable), which includes a bonus of 2.00% gross/AER (variable) for the first 12 months from account opening.
Save from just £1
Easy to open and manage online
24/7 access to your money without notice or penalty

What sort of service do they offer?

Choose how you want your interest paid

Annual or monthly interest can be credited into the account or to another Santander account. Access your esavers account around the clock with Online Banking, Telephone Banking and over 700 Abbey branches.

Open up a bank account from as little as £1 up to £2 million.

Interest is calculated daily and can be received monthly for a regular income or annually on the anniversary of account opening – it’s your choice.

Santander Esaver Benefits?

Free Santander debit card
Earn interest
Free mobile banking
Mobile top ups at Abbey ATM’s
Over 700 branches
24 / 7 internet banking
Telephone banking and branch banking

Mobile Banking Features

Free registration – Free online banking
Free balance enquiries
Free mini-statements
Instant top-up for prepay mobiles
Encrypted and secure

Who can apply for a Santander bank account?

You need to be over 16 not bankrupt or have any CCJ’s registered against you, with a regular income to apply for an account, The form takes a few minutes to complete with an easy step by step guide and as you would expect secure website protection.

Once you completed the form, Sandander will send you a letter in the post to confirm your account is opened. Your debit card can then be collected at a local branch.

Where do I make a complaint?

If you would like to make a complaint about your account, contact Customer Relations, The Abbey Charitable Trust 201 Grafton Gate East , Milton Keynes , MK9 1A. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

O2 Cash Manager Card – O2 Money

2010-10-29T17:09:28Z

O2 Visa prepaid card Review

The O2 cash manager card is free pay as you go card which has been set up by O2 and Natwest. The O2 cash manager card verifies your details. With a O2 card the total card balance must not exceed £10,000 in any year (365 consecutive days).

The Prepaid O2 Visa Card can assist you in budgeting you’re spending habits or pay for everyday or buying concert tickets from O2. With a limit of £10,000 a year to spend it is ideal for everyday spending costs like your household shopping.

Why get a O2 prepaid credit card?

O2 Money Card is a free prepaid card so you have nothing to loose, In addition there are no transaction costs when ever you use the card and No monthly fees so you can use whenever you need.

With an O2 cash manager card, you can load money online, or you can do a cash top up onto your card at O2 shops, any independent retailer or petrol station that show either the PayPoint or anywhere you see a PayPoint or e-pay sign.

What sort of service do they offer?

With O2 Money, it is an ideal way to top up your Pay & Go mobile which is free plus you can use it as a payment card. Whenever you use your o2 money card you’ll receive a free real time text alert. This will tell how much money you’ve put on, spent or withdrawn, and how much you’ve got left. Being a Visa card this comes with chip and PIN, for protection. O2 designed this card to help prevent under 18s from buying over 18 related products and services such as gambling.

O2 Payment plans and prepaid card benefits

The O2 prepaid visa card is where you preload your account with money and then spend. You can use where ever you see the Visa sign and ATM machines worldwide. If you are not an O2 get free O2 Pay & Go sim cards, (you will need to top up at least £10 every 3 months) or get a o2 mobile online.

Who can apply for a Pay As You Go Card?

The O2 credit card is a branded Visa card where anyone over the age of 13 years can apply for a free cash card. Online secure application which takes a few minutes where you need to be an existing customer of O2. Your mobile number is required when you complete the application.

O2 will always send parents or guardian a letter at the same time their teenager (under 16s) applies for the o2 debit card. Once you sign up, you should get your O2 Visa in 5 – 10 working days.

If you would like to make a complaint about your account, call 0845 304 0202 or write to them at O2 Money services, NatWest, PO Box 5747, Southend-on-Sea. SS1 9AJ . However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

ClearCash Pay As You Go Card Review

2010-12-11T14:29:40Z

Clearcash Pay As You Go Card Review

The NEW ClearCash2 Pay As You Go internet based i count is a guaranteed money management facility to anyone no matter what your credit status is. All you need to do is pay the £4.50 application fee and complete the application form and your i count is opened with no fuss. The ClearCash service is available to anyone over the age of 18 years.

ClearCash i count is ideal if you are new to the UK , have had credit problems, debt problems or looking to manage your finances with greater control. As you can only spend what you put in to your i count, clients of ClearCash have full access to the unique “BudgetMaster” Tool to help you manage your finances better and prevent overspending

Why get a Clearcash Pay As You Go Credit Card?

Some of the benefits you get with Clearcash are a Prepaid MasterCard to help you manage your money, BudgetMaster, Purchase Protection at small extra cost, and NEW Cheque Cashing Service.

In addition to this, clients will be able to download education packs, receive their balance to their mobile phone and also have a full online bill payment facility.

The ClearCash icount is a perfect option for people who require greater control of their finances and require internet banking and mobile banking services, as well as a prepaid card facility that allows cheques to be paid in.

What sort of service do they offer?

ClearCash debit MasterCard offer standing orders as well as free bill payments. In addition Clearcash have a cashback website where users can benefit from discounts and cashback from a number of well known retailers.

The cashback earned from these retailers is credited back to your ClearCash PAYG Card The downloadable education pack within the i count area details great money saving tips and great advice on how to cut household utility bills by up to 40%.

Who can apply for a i ccount?

You can get a Clearcash pay as you go account simply by being 18 years or older, resident in the UK and as long as the ID and address verifies online. Once you have completed your online application you will receive your personalised cleatcash cash card in a maximum of 5 days.

NO credit checks are done and you are guaranteed acceptance as long as you pay the application fee. Even if you have bad credit you can get a bad credit MasterCard.

If you would like to make a complaint about your Clearcash cash card, contact Customer Services on 08712 884 677, or by post Clear Cash Ltd Nelson House, Park Road, Timperley, Cheshire, WA14 5BZ. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

O2 Load and Go Card Review – Free O2 Cash and Go

2012-01-04T17:41:09Z

O2 Load and Go card Review

The O2 pay as you go card is free and has been set up by O2 and Natwest. The o2 Load & Go card can be topped up to £1,800 a year by adding cash at over 20,000 locations across the UK: O2 shops & PayPoint & e-pay.

The o2 Load & Go card is when they do not verifiy your personal details.With a o2 Load & Go card the total balance is £1,800 in any year (365 consecutive days).

Why get a O2 Money card?

The O2 money card is a free prepaid card so you have nothing to loose, In addition there are no transaction costs when ever you use the card and no monthly fees so you can use whenever you need.

With O2 cash and go card, you can top up money online, or you can put cash onto your card at O2 shops, any independent retailer or petrol station that shows either the PayPoint or anywhere you see a PayPoint or e-pay sign.

What sort of service do they offer?

The o2 cash and go card, is an ideal way to top up your Pay & Go mobile which is free plus you can use it as a payment card.

Whenever you use your o2 cash card you’ll receive a free real time text alert. This will tell how much money you’ve put on, spent or withdrawn, and how much you’ve got left. Being a Visa this comes with chip and PIN, for protection. O2 designed this card to help prevent under 18s from buying over 18 related products and services such as gambling.

Payment plans and prepaid card benefits

The O2 pay as you go Visa card is where you top up your card with with money and then spend. You can use your o2 visa debit card where ever you see the Visa sign and at ATM machines worldwide. If you are not on O2 get a free Pay & Go sim, (you will need to top up at least £10 every 3 months) or get a mobile online.

Who can apply for a Pay As You Go Card?

The O2 pay as you go cash card Visa branded is available to anyone over the age of 13 years can apply for a card. Online secure application which takes a few minutes where you need to be an existing customer of O2. Your mobile number is required when you complete the application.

O2 will always send parents or guardian a letter at the same time their teenager (under 16s) applies for the o2 card. Once you sign up, you should get your o2 card in 5 – 10 working days.

If you would like to make a complaint about your account, call 0845 304 0202 or write to them at O2 Money card services, NatWest, PO Box 5747, Southend-on-Sea SS1 9AJ . However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Post Office Credit Card Review

2010-08-27T00:45:58Z

Post Office Credit Card Review

The Post Office Credit Card or Post Office 2 in 1 credit card you can apply online today. There is no paperwork to follow and they will give you an answer right away. You could be enjoying your four times more rewarding card in as little as 6 days.

With a Post Office card you get great balance transfer deasl of 0% for the first 12 months, you won’t need to pay any interest on your other credit or store cards if you are transferring the balance to a Post Office Credit Card.

Who can apply for this credit card?

You must be over 18, a UK resident and have a landline phone number to get a Post Office MasterCard credit card. We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying.

The online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection, make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legals, terms and conditions.

What benefits do you get with your Credit Card?

The Post Office credit card offers free purchase protection against accidental loss, damage or theft of almost everything paid for with your credit card.

- 0% on balance transfers* for the first 12 months**
- 0% on purchases for the first 3 months
- 0% commission on purchases overseas
- free purchase and fraud protection

What are the default charges?

A cross-border fee of 0% will be applied to any transactions taking place outside the UK.
Each Balance Transfer is subject to a fee of 2.75%.
A fee of £5 will be applied for providing a duplicate statement.
Unpaid Direct Debit or cheque £12.00. Over credit limit £12.00. Late payment £12.00

What is the minimum payment each month?

The Post Office monthly minimum payment will normally be made up of the greater of 2.5% of the outstanding balance on your account (as shown on your statement) or £5.00, or the outstanding balance if less than £5.00, plus any monthly payment under the Payment Plan Programme. If you fail to make the monthly minimum payment on 2 consecutive occasions, any Payment Plan may be terminated and the Eligible Amount will revert to the variable standard rate of interest which would have applied but for the transfer to the Payment Plan.

What is my credit limit?

They will choose your credit limit and tell you what it is. They may vary it at any time and write to let you know. The credit limit may be increased after four months if you manage your account responsibly.

Where do I make a complaint?

If you would like to make a complaint about your Post Office credit card, you can write to them at Post Office Customer Care Freepost PO BOX 740 Brampton Barnsley S73 0UF. They have procedures in place which will make sure they handle your complaint fairly and quickly. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Post Office Travel Money Card Review

2010-12-08T03:11:56Z

Post Office Travel Money card

If you are going on holiday and want to pay for transactions using plastic, use a Post Office card which offers the best exchange rate, with no commission fees on euros or US Dollars you will get a better travel money rate by ordering in advance and not waiting until you get to the airport. Plus you can top up at any Post Office branch for free.

By getting a Post Office card you get ease of access – unlike Travellers Cheques, with TMC you don’t need to carry ID to make a purchase or withdraw money.

Why get a Post Office Prepaid Travel Money Card?

Post Office travel money card (TMC) is one of the easiest and safest ways of taking your money abroad. Load the card in advance, ready to be used in millions of shops and restaurants worldwide.* You can buy a Euro, US Dollar, or Sterling, Your Travel Money Card offers convenience– never run out of local currency. With a Post Office card you don’t need to search for the nearest foreign exchange facility, just call to top up.

If you lose your card abroad it is going to cost you £35.00 for an emergency replacement card to be sent to you from the Post Office provider.

What sort of service do they offer?

No extra fees – receive our best exchange rate, with no commission fee. There’s no need to purchase currency every time you go abroad, just top up at your convenience and it’s valid for 2 years.

You may think nothing of carrying cash abroad, but travel insurance policies will only cover a limited amount of your money if it is lost or stolen. With our Post Office TMC they provide 24/7 help and will replace the card with your current balance loaded.

Payment plans and prepaid card benefits

With a Post Office prepaid visa card is a PAYG where you preload with foreign exchange before you use. Being a Prepaid Visa Card it can be used at 28 million retail outlets and 900,000 ATM machines worldwide.

There is no credit check to get you prepaid Visa card where your account balance must not exceed €5000.00 and currently the travel money is available in US dollars, Euros and sterling.

Who can apply for a Post card?

The Post Office travel card is Visa branded where anyone over the age of 18 years can apply for an account. Online secure application which takes a few minutes to complete, you will require your passport to confirm your identity where you choose the currency card you require.

NO credit checks are done as you are guaranteed to be accepted as long as you pay for your foreign currency exchange in advance. Even if you have bad credit you can still be accepted.

If you would like to make a complaint about your account, contact Customer Services call Post Office Travel money card 24/7 customer care line on 0845 850 0077 * or +44 207 490 8717 * outside the UK. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Natwest Bank Accounts Review – Free Natwest Plus Bank Accounts

2010-08-27T00:03:04Z

NatWest Bank Accounts Review

The Natwest Plus current account is a Free day-to-day banking without subscription charges provided by Natwest. It is a flexible current account for day-to-day banking with an overdraft and chequebook (subject to eligibility) – with no monthly subscription charges

In addition you get a free Natwest debit card so you can use when ever you need to make a purchase.

Why get a NatWest Plus Accounts?

With Natwest current account you can do mobile phone top ups at any ATM machine plus you can upgrade your account at any time so you can add extra benefits like mobile phone cover or car breakdown cover.

With your Natwest free current account you get Free mobile phone banking for a fixed period then pay a monthly fee to get mini statements, weekly balances and more sent to your mobile.

What sort of service do they offer?

With a Natwest Plus bank account you get £100 interest free bank overdraft. In addition you can withdraw your money at almost every UK cash machine for free and take cash overseas wherever you see the Maestro logo. You can also use your card to pay for goods when you are shopping overseas.

Natwest Plus bank accounts are designed to get all the banking facilities you require with no monthly fee plus as they are part of RBS they are one of the largest and safest banks in the world.

NatWest Bank Accounts Benefits?

Natwest Free debit card
Cheque book
Earn Interest
Overdraft facility
Branch banking
24 / 7 internet banking
Telephone banking
Transfer existing direct debits

NatWest Mobile Banking Features

Free registration – Free online banking
Free balance enquiries
Free mini-statements
Instant top-up for prepay mobiles
Encrypted and secure

Who can apply for a NatWest bank account?

You need to be over 18 to apply for an account, the form takes a few minutes to complete with an easy step by step guide and as you would expect secure website protection, make sure you have a form of ID before you start either your passport (digital passport no required) or UK driving license.

Once you completed the form, Natwest will send you a letter in the post to confirm your account is opened. Your Natwest Bank accounts with debit card will be opened and the debit card can then be collected at a local branch, Natwest have over 1650 branches.

Where do I make a complaint?

If you would like to make a complaint about your account, and you are an existing customer and your enquiry is account specific, you will need to contact your Branch >> However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

RBS Current Account Review – RBS Free Bank Account

2010-08-27T11:43:59Z

RBS Interest Paying Bank Account Review

The RBS current bank account is a Free day-to-day banking without subscription charges provided by RBS. It is a flexible current account for day-to-day banking with an overdraft and chequebook (subject to eligibility) – with no monthly subscription charges. In addition you get a free RBS debit card so you can use when ever you need to make a purchase.

Why get a Royal Bank of Scotland Current Bank Account?

With RBS Interest paying current account you can do mobile phone top ups at any ATM machine plus you can upgrade your account at any time so you can add extra benefits like mobile phone cover or car breakdown cover.

With your RBS free current account you get Free mobile phone banking for limited period, then pay a monthly fee to get mini statements, weekly balances and more sent to your mobile.

What sort of service do they offer?

With a R B S current account you get £100 interest free bank overdraft and no arrangement fees or renewal fees on overdrafts up to £15,000. In addition you can withdraw your money at almost every UK cash machine for free and take cash overseas wherever you see the Maestro logo. You can also use your card to pay for goods when you are shopping overseas.

The RBS bank account is designed to get all the banking facilities you require with no monthly fee plus RBS are one of the largest and safest banks in the world.

Royal Bank of Scotland Banking Benefits?

RBS free debit card
Cheque book
Earn Interest
Overdraft facility
Branch banking
24 / 7 internet banking
Telephone banking
Transfer existing direct debits

Mobile Banking Features

Free registration – Free online banking
Free balance enquiries
Free mini-statements
Instant top-up for prepay mobiles
Encrypted and secure

Who can apply for a RBS bank account?

Once you completed the form, RBS will send you a letter in the post to confirm your account is opened. Your debit card can then be collected at a local branch, RBS have over 1650 branches.

Where do I make a complaint?

ClearCash Pay Monthly Card Review

2012-01-04T17:18:25Z

Clearcash Account Card Review

The ClearCash Prepaid MasterCard and i count is one of the most transparent prepaid cards available. It can be used all over the world wherever the MasterCard logo is seen. Anyone over the age of 18 can get a Clear Cash card. Once you have paid the activation fee it takes no more than 10 days for your card to arrive.

ClearCash users have their own “ i count” online billing platform which allows you to pay bills and standing order facility whereby you can access budgeting tools to help track you’re spending. They also have budgeting guides for download as well as a livechat facility and discount shopping site. All purchases are covered by comprehensive purchase protection insurance, unlike many prepaid cards.

Why get a Clearcash Bank Account?

The ClearCash Card is a unique prepaid card offering great value for money with a lot of features. The card costs £4.50 to get but has a major benefit over most prepaid cards on the market with its purchase protection package that includes Purchase protection, price protection and extended warranty on electrical goods. Add this to the budget master tools, easy top up options and budgeting tips, as well as free financial health checks, £9.99 per month fee is excellent value for money.

You can speak with ClearCash via livechat also via their website. You can pay for a ClearCash Card online by SMS / Text and as you can only spend what you have loaded and we don’t offer credit, you will never incur interest charges.

What sort of service do they offer?

ClearCash online bank account currently offer standing orders as well as free bill payments. In addition Clear Cash have a cashback website where users can benefit from discounts and cashback from a number of well known retailers.

The cashback earned from these retailers is credited back to your ClearCash prepaid card The downloadable education pack within the i count area details great money saving tips and great advice on how to cut household utility bills by up to 40%.

Payment plans and prepaid card benefits

The Clear Cash instant bank account is a fixed monthly payment plan by MasterCard where you pay per transaction. It can be used at over 28 million retail outlets worldwide and 1.5 ATM machines machines worldwide. There is no credit check to get your online account where your account balance must not exceed £5000.00 and currently the account card is only available in GBP (£)

Who can apply for a account?

You can get a Clear Cash basic bank account simply by being 18 years or older, resident in the UK and as long as the ID and address verifies online. Once you have completed your online application you will receive your personalised Clearcash card in a maximum of 5 days.

NO credit checks are done and you are guaranteed acceptance as long as you pay the application fee. Even if you have bad credit you can get a bad credit MasterCard.

If you would like to make a complaint about your card, contact Customer Services on 08712 884 677, or by post Clear Cash Ltd Nelson House, Park Road, Timperley, Cheshire, WA14 5BZ. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Freedom Card Review – Prepaid Cash MasterCard

2012-01-04T17:21:52Z

Freedom Card Review

Introducing the new payment card from White Eagle, The Freedom Eagle cash card is the latest pay as you go chip and pin MasterCard. Freedom Eagle is a payment MasterCard that works a bit like a pay as you go mobile phone. There is no interest charged and no danger of going overdrawn as you can only spend what you have loaded on to your account. Freedom offers a PAYG with No ID checks but lower limits, you can simply upgrade by providing ID and all restrictions are then removed.

Why get a Freedom prepaid credit card?

The Freedom prepaid card is an instant issue that comes in a handy retail pack. By applying online your application will be processed and your card dispatched the same working day (applications received before 15:00 weekdays) or as early as the next day.

In addition your PIN is available immediately using Freedom interactive voice recognition telephone service and when you get your welcome pack it also has immediate ATM access.

What sort of service do they offer?

Freedom is part of White Eagle (Europe) Plc, who won the ‘Best Marketing & Distribution’ award at the MasterCard Prepaid Europe Awards 2008 . They are also one of the few prepaid companies that cater for the international community by having easy to use application forms in 18 different languages.

A Freedom Eagle PAYG card account gives you complete control of your money and how you spend it along with the freedom to buy on-line. You can also check your balance on the Internet or over the phone.

Payment plans and prepaid card benefits

With a Freedom prepaid MasterCard is a pay as you go which can be used straightaway. You just pay per transaction. In addition there are thousands of retail outlets to top up your prepaid account. Being a prepaid MasterCard it can be used at 28 million retail outlets and 1.5 ATM machines machines worldwide.

There is no ID required plus no credit checks to get you prepaid MasterCard where your account balance must not exceed £3000.00 and currently the Freedom is only available in GBP (£).

Who can apply for a Freedom card?

The Freedom credit card is a MasterCard branded card where anyone over the age of 18 years can apply for a Freedom card. Online secure application which takes a few minutes to complete, you will require your passport to confirm your identity.

The best feature of the Freedom is that you do not need to supply any form of identification or documentation at the time of purchase or activation.

If you would like to make a complaint about your Freedom account, contact Customer Services on customerservice @ freedom-card.co.uk or call their Customer Services 0871 288 4311 White Eagle operate a Multi-lingual Customer Services service. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Virgin Money Card Review – Pay As You Go

2010-12-11T14:19:16Z

Virgin Pay As You Go Card overview

Introducing the new Virgin Money Pay as you go Visa Card. You spend on it just like a credit card and can use it wherever Visa are accepted. Difference is, you load it up with cash before you shop, rather than paying for it after. That means no worrying about bills or interest.

Your Virgin prepaid Visa Card can be used worldwide at over 28 million retail outlets and at over 1.5 million ATM machines worldwide.

Why get a Virgin pay as you go credit card?

Virgin money prepaid Visa Card allows you to shop in the high street, on the web, by phone, and by mail order, making life so much easier for those of us who don’t have or want a credit card. And because there are no postal statements it’s handy for hiding seasonal purchases from a partner’s prying eyes.

This makes it easy to shop in the high street, on the web, by phone, and by mail order, making life so much easier for those of us who don’t have or want a credit card.

What sort of service do they offer?

NO credit checks are done with guaranteed acceptance as long as you pay the application fee. Even if you have bad credit you can still be accepted.

A Virgin prepaid card account gives you complete control of your money and how you spend it along with the freedom to buy on-line. You can also check your balance on the Internet or over the phone.

Payment plans and prepaid card benefits

The Virgin Money Visa Card is a prepayment card by MasterCard with a pay as you go card. In addition you get virgin discounts ranging from 10% to 20%, From Virgin Media, Virgin Holidays, Virgin Active, Virgin wines. Also there is no credit check to get you Virgin Money account where your account balance must not exceed £3500.00 and currently the card is only available in GBP (£).

Who can apply for a Virgin pay as you go card?

The Virgin Money is a Visa Card brand where anyone over the age of 13 years can apply for a Virgin card. Online secure application which takes a few minutes to complete, you will require your passport to confirm your identity.

The minimum age is 13 years old. If you’re under 18 please have a parent or guardian open an account for you.

If you would like to make a complaint about Virgin pay as you go card, contact Customer Services by email on virginprepaid @ 360money.com or call the Customer Service helpline on 0845 4601 606
However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

MBNA Platinum Credit Card Review

2010-08-26T23:01:16Z

MBNA Platinum Credit Card Review

With the MBNA Platinum Plus Credit Card you can benefit from some great deals, like a low typical rate of APR and introductory offers including 0% on balance transfers and purchases for a limited period. There is no annual fee with the MBNA Platinum Credit Card and you can access your account online 24 hours a day.

Online Banking – Access your account to view your PIN, check your balance and transactions, set up direct debits, carry out balance transfers and much more.
Free 24 hour worldwide Customer Satisfaction Helpline – wherever you are, whenever you need them, MBNA Customer Satisfaction Representatives are just a Freephone call away.

Credit card process

Anyone who is a UK resident aged 18 or over. We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying.

The MBNA platinum card online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection, make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legal, terms and conditions.

If you apply online between the hours of 8am-8pm Monday to Thursday, 8am-5pm on Friday you could get an instant decision. For all other applications you should hear from us within 7-10 working days.

What are the benefits of a MBNA credit card?

MBNA Platinum offer great rates.
0% p.a. on balance transfers for 13 months.
0% p.a. on card purchases for 3 months.
Typical rate 15.9% APR (variable)

Default Charges?

£12 for going overlimit, making late payments and for returned payments.

What is the minimum payment each month?

If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3 % of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25 .

Fees

Card Application Fee	FREE
Card annual fee	FREE
Card Limit	to be agreed once credit card application is accepted
Interest Free Period	56 days

Payment protection plan option?

Let MBNA take care of your MBNA platinum credit card repayments if you’re off work due to accident, sickness, involuntary unemployment or become a carer. For 79p per £100 of your statement balance (inclusive of Insurance Premium Tax and including your insurance premium), we could safeguard your repayments against life’s unpredictable events. Plus life cover, up to £30,000, is also included.

uswitch

E Platinum Plus Card Review

2010-12-04T02:47:28Z

E Platinum Plus Review

The E Platinum Plus card is not a credit card or a debit card, it is a shopping card. E-Credit Plus is not a Visa card or MasterCard credit card but a membership shopping card the membership cost is £79.95 to get with a monthly fee of £12.95. You can have up to £5000 credit on your shopping card with 0% Arp, Where you can pay your balance off at any time without getting any penalties.

Why get a E Platinum Card?

The minimum age for the card is 18 years old. Once you have applied it take 7 – 10 days for your card to arrive once you have paid the application fee. Once you have your E Platinum card you can then use your shopping card up to the credit limit given to you, where there is no transaction charges each time you use the card as it is a fixed cost.

Is a credit check done to get the card?

E Platinum Plus offer guaranteed approval where they will not access your personal credit report as part of the activation process in establishing an initial credit Account. However, the Company reserves the right to access My personal credit report.

What is the minimum repayments?

On your statement you they will advise you what the minimum payment is to be paid each billing month. All payments must be received on or before the due date indicated on the billing statement or a late fee may be charged. This is Calculated by finding the greater of (a) or (b): a) 15% of the Account balance owed on your Account, or b), £12.50

What are the advantages of being an E-Platinum Plus Cardholder?

The E Platinum Plus Card is part of E-Credit Plus program which is designed to give members the opportunity to enjoy the benefits of online purchasing. As an E-Credit Plus Cardholder you have purchasing power from the convenience of your home. The E Platinum Plus Shopping Club offers a wide variety of brand name merchandise. with 0% interest policy makes buying over time easy and affordable. E Platinum Plus are continuously working to provide the best possible value for E Platinum Plus Shopping Card Membership. Members regularly receive special offers on high quality items at great values. In addition, you may be invited to participate in low-cost, high value programs designed for our members.

If you would like to make a complaint about E Platinum Plus, contact Customer Services by email on memberservices @ecreditplus.co.uk. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Shopping card provided by

E Platinum Plus Card The E Platinum Plus Card is issued by E-Credit Plus™ 2 Minton Place, Victoria Road, Bicester, Oxfordshire OX26 6QB United Kingdom E-Credit Plus, Limited is registered in England and Wales. The Company’s registration number is 6383647.

3V Voucher Prepaid Card Review

2012-01-04T17:14:34Z

3V Prepaid Card Review

3V has got together with permanent tsb and VISA to bring you a great new way to buy online. With 3V Vouchers if you don’t have a credit card or don’t want to use one, you can shop online on any website , over the telephone and via mail order, where VISA is accepted.

It is free to get a 3V Customer card when buying a £20 3V Voucher and it will be sent direct in the post to you in 3 days. The charge for buying a 3V Voucher of value from £30 to £100 3V Voucher is £2 and for buying a Voucher from £110 upwards is £3.50. To get your free visa card by 3V Vouchers you must be over 16, have the use of a mobile phone and an email address and reside in the UK.

Why get 3v prepaid card?

The vouchers are ideal to use instead of a debit card or credit card and are an ideal gift card so people can use on the internet and as you can only spend what is available you have no chance of going in the red, once funds are low it just needs to be topped up as it is a reloadable card.

You can now transfer any money that you have left from one 3V Voucher to another. For example if you have £15 left on one Voucher, you can add it to any other 3V Voucher that you have bought, as long as that one has not expired, all for just £1.75. Please note, the overall value of a 3V Voucher cannot exceed £200.

What sort of service do they offer?

NO credit checks are done. The 3v cash voucher has a limit of £200.00 limit and is only available in GBP (£)

The 3V Prepaid Card is a prepaid voucher card which carries and has available for use only the funds loaded onto it. The card should not be used for transactions requiring more funds than you have available. Each time the card is used the transaction amount is deducted from the available balance.

Payment plans and prepaid card benefits

The 3V Prepaid Card can be used to make purchases worldwide where Visa is accepted as a payment method. It can also be used online for purchases. All transactions need to be authorised and because of this there may be some occasions when the card cannot be used – for example in a car park when an authorisation is not sought.

3V may refuse transactions where the final amount is not known and could exceed your available balance, such as car hire.

Who can apply for a card?

The 3V Cash Voucher is a Visa branded where anyone over the age of 16 years can apply for a cash voucher card also have the use of a mobile phone and an email address and reside in the UK.

You can register for a free 3V Customer Card, Process takes less than a minute to complete as all that is required is your name, address and date of birth and they will post your free 3V Customer Card. Once you have your card you can start buying 3V Vouchers. This website has secure website protection.

Prepaid card provided by

Escape Travel Money Card by Phones 4 U

2012-01-04T17:21:13Z

Phones 4 U Travel Money Card Review

Introducing the new Currency MasterCard from E.Z.Pay Ltd, part of the Phones 4u Group. Escape travel money card is the latest pay as you go chip and pin MasterCard. The Escape Card is a MasterCard that works just like a pay as you go mobile phone, you can only spend what you have topped up.

With a Escape currency MasterCard there is additional benefits as being a travel money card you get better currency exchange rates when buying your travel money in advance with no charge on transactions fees and no monthly fees.

Why get a Phones 4 U Travel Money Card?

The Escape Card have been listening to their existing customers who wish to use the card abroad and not get ripped off with charges, by getting a travel money card this allows them to offer better currency exchange rates when used overseas plus as it is a travel money card it offers No ID checks via the Phones 4u store chain. If you purchase one of these in store, you can simply upgrade by providing ID by email or post and all card restrictions are then removed. The Phones 4 U Travel Money Card do not charge a transaction fee or monthly fee.

What sort of service do they offer?

After the popular success of the Escape Prepaid Card part of the Phones 4u Group, in terms of stability and standing this dwarfs other travel money card issuers. There are 450 stores nationwide where instant issue travel money cards can be purchased and all cards can be TOPPED UP WITH CASH FOR FREE.

E Z Pay Ltd are also one of the few currency card companies that cater for the international community by having easy to use application forms and how to use videos in 13 different languages. With the Escape currency card you can top up your mobile phone, from your handset by text message 24 hours a day for free and get cash back everytime you do it.

Payment plans and prepaid card benefits

The Escape is a pay as you go currency card Mastercard. It can be used at over 28 million retail outlets worldwide. Escape currency card allows you to access all the things like a credit card in the knowledge that your transactions are safe and secure.

Who can apply for a card?

You can get an Escape Card simply by being 18 years or older and resident in the UK. Online secure application which takes a few minutes to complete, you will require your passport to confirm your identity and once you have completed your application you will receive your card in a maximum of 5 days.

NO credit checks are done as you are guaranteed to be accepted as long as you pay the application fee. Even if you have bad credit you can still be accepted.

If you would like to make a complaint about your card, contact Customer Services on 0844 871 5444, or by email at customercare@escape-prepaid-card.com. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Moneybookers Prepaid MasterCard Review

2010-12-07T14:22:07Z

Moneybookers Prepaid Card Review

The Moneybookers have just launched a new Prepaid MasterCard to stay in direct competition with Paypal and Western Union. The Moneybookers prepaid MasterCard works just like a pay as you go phone; you put money on to the card before you 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.

Your Moneybookers Prepaid Card will be accepted at over 28 million locations wherever your see the MasterCard acceptance mark! With over a 1.5 million ATMs in over 210 countries, you’re never far from a MasterCard, Maestro, or Cirrus ATM. By using your Prepaid MasterCard there is no danger of you overspending and you may even be able to save some money on your card each month.

Why get a Moneybookers Prepaid MasterCard?

You don’t need a bank account to get a Moneybookers Top Up Card – so it’s great for young people, or just for using the money you receive in your Moneybookers balance (when you get paid for items on). Rather than carrying cash around, the Top Up Card offers a safer payment method which you can use both at home and abroad.

Whether you are budgeting for your shopping, controlling your cash flow or saving your holiday money, using the Top Up Card is a great way to manage your spending. Because you are limited to the amount on the card, you know you won’t go overboard in the sales or spend too much on a night out and can be used to do a money transfer.

What sort of service do they offer?

You top up money onto the Moneybookers top up card, and is a secure and cost-effectively to send and receive payments in real-time! Moneybookers is a highly competitive and trusted banking alternative that provides millions of internet users worldwide with access to online shopping and money transfer in the most reliable, secure and convenient way. They focus on providing the highest level of transparency, reliability and customer satisfaction. Moneybookers provides a cost effective alternative to money transfers internationally.

Payment plans and prepaid card benefits

The Moneybookers prepaid MasterCard card is where you preload your card with with money and then spend. You can use your MasterCard debit card where ever you see the MasterCard sign and 1.5 million ATM machines.

There is no credit checks to get prepaid cards where your account balance must not exceed £1,000.

Who can apply for a card?

The Moneybookers credit card is a MasterCard branded card where anyone over the age of 18 years can apply for a card. Online secure application which takes a few minutes to complete, you will require your passport.

Moneybookers will always send parents or guardian a letter at the same time their teenager (under 18s) applies for the card. Once you sign up, you should get your card in 5 – 10 working days.

If you would like to make a complaint about your card, phone +44 870 383 0232. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Blue Sky Prepaid Card

2011-03-16T16:41:35Z

Blue Sky Card now only £5.49

With the prepaid MasterCard market expanding at such a fast rate, it’s confusing and tricky to know which one to opt for. We are bombarded with information on the internet and television about prepaid credit cards and all the jargon that comes along with it such as transactions fees and bank loads, etc. So, which one to choose?

My money’s on the new Blue Sky Prepaid MasterCard. This is the latest prepaid credit card on the market and it is planning to blow the other competitors out of the water. Launching in November 2010, the Blue Sky Prepaid MasterCard offers some of the most competitive rates on the market without the hidden extra charges.

The premise is straightforward – to offer people from all walks of life effortless access to electronic banking. If you are unable to open a UK bank account or have been refused credit in the past, the Blue Sky Prepaid MasterCard may be the solution to your problems. Travelling, shopping online, transferring money and managing your finances have never been so straight forward. If that isn’t enough, your Blue Sky Prepaid MasterCard is welcome in over 29 million retail outlets worldwide and can be used in over 1.5 million ATM’s around the world.

The application process is simple either via the internet or post and the loading of money onto your card is even simpler via internet, telephone, any UK bank, Post Office and anywhere you see the PayPoint sign. Once you’ve received your Blue Sky MasterCard plastic the next step is activating it online by choosing your preferred tariff, pay monthly or pay as you go. Confused? Don’t be. Your tariff will be dependent on how many times you choose to utilize your card. For instance, if you are planning to make use of your card at least four or five times a month the pay monthly option will work best for you. A small monthly fee is charged but with that you get the benefit of free or reduced transaction costs, free UK purchases and free bank loading. If you plan on using the card less than four times a month, Pay As You Go is the way to go. There’s no monthly fee but you still benefit from their highly competitive fee structure.

Once you’ve activated your card and loaded it with some money, the sky’s (or in this case, the blue sky’s) the limit! The benefits and uses of this Blue Sky Prepaid MasterCard are so impressive that it makes you wonder why you even need an ordinary bank account from a UK bank. One of the main advantages of this card is the money sharing facility; transferring money to friends and family in the UK and overseas has never been so trouble-free (and inexpensive). All this function requires is an additional card added onto your existing account (known as a Companion Card). A Companion Card allows you, as the main cardholder, the facility to transfer money instantly and free, anywhere in the world to any family member or friend you have issued a Companion Card to. You are in total control and their spending can be monitored by you in real time, 24/7, either online or remotely by SMS. A Companion Card is available to anyone over the age of 13 so this is great for parents who have children away at University or children who enjoy bugging mum and dad for their credit card to buy things online all the time!

Another great feature of the Blue Sky Prepaid MasterCard is its Credit Booster Facility. If you have had problems with credit in the past, never had credit, been hit by CCJ’s or you are new to the UK, the Credit Booster facility can help you with your credit rating; it is a proven way to add information to your credit profile and can show that you’re a trustworthy, creditworthy customer. All you need to do is opt for the pay monthly tariff for twelve months and Blue Sky will pass on your payment history to the credit reference agencies. By demonstrating that you can make monthly payments on time, your credit rating will improve (assuming you manage other credit responsibly).

Orange Prepaid Card is a Contactless Prepaid MasterCard

2012-02-07T17:29:18Z

Orange Pay As You Go Cards Reviews

Just apply for an Orange Cash card today as Orange Prepaid Cards are available to everyone, you don’t need to already be an Orange customer

There is also a great rewards programme attached to it where you get 1 point for every £1 spend. Points can be used to get credit on an Orange Pay As You Go phone – yours or someone elses. You can also top up your Orange phone from your Orange Cash account and pay your friends and family

Why get an Orange pre paid card?

The Orange pre paid card has a small application cost but thereafter is free to use. With no transaction costs and no monthly fees.

You can load money onto your card for FREE in any Orange shop and also with a debit card online. You can also load in any Post Office or Pay Point retailer for a small charge.

What sort of service do Orange offer?

Once you have registered your card for online services you can get real time text alerts to check your balance, view your last three transactions, top up your Orange PAYG mobile phone, and pay money to friends or family.

You’re online account manager will show in detail all of your transactions and is also where you can add funds to your account.

Can i get in to debt with one?

A pre pay card works preloading your card with money meaning you can spend only what you have so you cannot go into debt. You can use your prepaid card online, at retail outlets and at ATM cash machines worldwide anywhere that accepts MasterCard..Plus you do not have to be an existing Orange customer to get one.

Who can apply for an Orange Pay As You Go Card?

Anyone can apply, you don’t need to be an Orange customer. You need to compete an online application to apply for the card which only takes a few minutes. Once completed your card will be with you in 7 to 10 working days.Customer Services

You can email customer services or call them (50p per minute) 7 days a week. Lines are open 8am to 7pm Monday to Friday and 9am to 5pm weekends.

‘Orange Prepaid Card is a Contactless Prepaid MasterCard’

Just apply for an Orange Cash card today for only a £5 application fee once you activate your Orange Cash account you can then use your contactless prepaid MasterCard on small transactions.

Prepaid is Prepared with the Orange Cash prepaid card

Earn reward points each time you spend
Spend online or on the high street
Use everywhere you see the MasterCard acceptance mark
Load for free in Orange shops
Contactless technology
Send money to friends and family
Top up your Orange PAYG phone
No credit checks
For everyone over thirteen

You can go online from your PC and use your Orange Cash account to keep your card fully loaded and ready to use. You can even manage your money online via your mobile as well as, for those on the Orange network, by text. Plus, you can pay money instantly and securely to other Orange Cash customers whenever you need to.

Card One Banking Account Review

2012-01-04T17:17:17Z

One Banking Account overview

Card One Banking Online current account is a guaranteed basic account which is free with easy access to your account using the online account management centre makes monitoring your account easier. You can view balances, check transaction history and even print off statements 24 hours a day, 7 days a week.

Text to get your balance sent to your phone before spending which helps to bring a swift end to overdraft fees. Telephone banking has all the ease of managing your account on a day-to-day basis. Call for your account information, to check a balance or to set up new standing orders.

Why get a Card One Bank Account?

The card One Banking is an Instant bank account with no credit checks and No contract tie in period you must be 18 or over and they offer Guaranteed Acceptance. Your basic bank account is managed online with a payment MasterCard so you can use as and when you need. There are no hidden charges and you will not incur any overdraft fees.

You have two accounts one is a prepaid card account and the other is an online bank account where you can choose to transfer any remaining balance onto your card one banking Prepaid MasterCard card which you can use to shop or withdraw money.

What sort of service do they offer?

Talk openly and freely to their Account Managers. They’ll help take the stress out of managing those monthly bills on your behalf.

Simply tell your advisor what needs to be paid and they’ll do the rest. They’ll set up all the necessary standing orders from your account to ensure you’ll never incur any more overdraft charges or costly bounced payment fees. You can also set up and manage standing orders yourself using the online account management centre.

Payment plans and prepaid card benefits

The One banking managed banking account is a fixed monthly payment plan by MasterCard. It can be used at over 28 million retail outlets worldwide and 1.5 ATM machines machines worldwide. There is no credit check to get your online account where your account balance must not be exceed and currently the instant bank account card is only available in GBP (£).

Who can apply for an 1 Bank Account?

You can get a One Banking account simply by being 18 years or older, resident in the UK and as long as the ID and address verifies online. Once you have completed your online application you will receive your personalised Onebanking prepaid card in of 7 days.

NO credit checks are done and you are guaranteed acceptance as long as you pay the application fee. Even if you have bad credit you can get a Basic bank account.

If you would like to make a complaint about your card, contact OneBank Customer Services on 0871 811 1881, or by post Cardonebanking: PO Box 3634, Chester, CH1 1NL. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

1banking managed bank account provided by

Sainsbury’s Credit Card

2010-09-01T15:07:31Z

Are you intending to go for a new credit card? Sainsbury’s Credit Card is the most trusted and established card that will never let you down, with its customer centric services and credit building facility.

Recent years have shown the increase of credit variability and credit ratio features being offered by finance firms. One among them is Sainsbury Finance which has up scaled its credit period with interest free phase from three to ten months. So what’s unique about the card? Are you wondering if it is suitable for you?

Inside The Deal

Sainsbury’s Credit Card offers a 10 month grace period for interest free option on both balance transfers and other viable categories like on time purchases, making the deal a unique statement in the current market.

Your options curtail without a Nectar card which you can get from the parent site, other benefits like earning points on your expenditure for the first two years. Minimal amounts are also charged for other purchases on the credit card. You can easily redeem your Nectar points with Sainsbury vouchers on purchase of magazines and other electrical goods. The scheme of zero balance interest pay makes Sainsbury a household name across the country. With a credit card as powerful as Sainsbury, life gets better day by day.

What’s The Verdict? Top Tip

Sainsbury’s Credit Card is a superb card if you are looking for balance transfer or getting a new card as you can gain from long interest free track or earn Nectar points from your purchases.

Keep your credit history in good shape. All credit providing services are going to scan through your credit history before they consider you to be eligible for holding credit cards. So you need to get analyzed on credit score from any credit agencies like Equifax, Experian or Callcredit before finalizing on your venture.

Post Office Prepaid Card Review

2010-08-27T00:51:13Z

Post Office Prepaid Card overview

The Post Office Prepaid Card also known as the Travel Money Card (TMS) is a convenient way of buying foreign currency when going on holiday abroad. With no purchase fees which can be used in millions of shops and restaurants worldwide plus as it is a prepaid visa card you can use where ever you see the Visa acceptance sign*. There is a Cross Border Fee of 2.75% of the transaction amount when transactions are made in a different currency.

As your Post Office prepaid card is preloaded with cash you can access your money as and when you need to or use at any ATM machine plus unlike Travellers Cheques you don’t need to carry your Passport around to make a purchase or withdraw money.

Why get a Post Office Prepaid Visa Card?

Post Office prepaid card (TMC) is one of the easiest and safest ways of taking your money abroad. Load the card in advance, ready to be used in millions of shops and restaurants worldwide.* You can buy a Euro, US Dollar, or Sterling, Your Travel Money Card offers convenience– never run out of local currency. With a Post Office card you don’t need to search for the nearest foreign exchange facility, just call to top up.

If you lose your card abroad it is going to cost you £35.00 for an emergency replacement card to be sent to you from the Post Office provider.

What sort of service do they offer?

Payment plans and prepaid card benefits

With a Post Office visa card is a Pay as you go card which you preload with foreign exchange before you use. Being a Prepaid Visa Card it can be used at 28 million retail outlets and 900,000 ATM machines worldwide.

There is no credit check to get you prepaid Visa card where your account balance must not exceed €5000.00 and currently the travel money is available in US dollars, Euros and sterling.

Who can apply for a card?

The Post Office prepaid card is Visa branded where anyone over the age of 18 years can apply for an account. Online secure application which takes a few minutes to complete, you will require your passport to confirm your identity where you choose the currency card you require.

NO credit checks are done as you are guaranteed to be accepted as long as you pay for your foreign currency exchange in advance. Even if you have bad credit you can still be accepted.

FairFX Anywhere Card Review

2012-01-04T17:21:30Z

FairFX Anywhere Card Review

FairFX have just launched a new flexible travel money card called FairFX Anywhere card. The name says it all as it can be used in any country, in any currency and with any ATM or retail outlet displaying the MasterCard acceptance mark. The FairFX Anywhere Card is a Sterling card, with funds being converted to the appropriate currency at the point of sale. By getting a FairFX Anywhere card you can also get better exchange rates than high street banks, at bureau de change and travellers cheques. Plus other travel money cards at the current interbank exchange rate.

Why get a FairFX Anywhere Card?

The FairFX travel money card is a versatile card which can be used in any country and you only pay a transaction fee when you use the card, but it is free to use the card at any ATM worldwide for free.

If you are going on holiday and want to take money from an ATM as and when you need to, use a FairFX anywhere card. With better rates than the Post Office and Travelex at airports you get a better exchange rate for your money. FairFX prepaid travel cards are also available in euros and Dollars.

What sort of service do they offer?

Online facility giving you access to your statements 24/7 from anywhere in the world for free. From there you’ll be able to load money anywhere in the world by internet even when you are abroad. Plus Transactions in shops, online and in restaurants are charged at a small transaction fee. There is no foreign exchange or monthly fees and loading your card is FREE.

The FairFX Anywhere card is ideal if you travel abroad frequently and need a flexible MasterCard to withdraw cash as and when you need to and is a safer addition in carrying cash or travellers cheques when going on holiday.

Payment plans and prepaid card benefits

The FairFX Prepaid MasterCard is a travel money card where you preload your card with foreign currency. It can be used at over 28 million retail outlets worldwide and 1.5 ATM machines worldwide.

There is no credit check with FairFX to get you prepaid MasterCard where your account balance must not exceed £2500.00 and the FairFX card is also available in Euro’s or Dollar’s.

Who can apply for a card?

The FairFX Travel Money Card is a Prepaid MasterCard branded card where anyone over the age of 18 years can apply for a card. Online secure application which takes a few minutes to complete, you will require your passport to confirm your identity.

If you would like to make a complaint about your FairFX card, phone 020 7078 2704 or email them at enquiries @ fairfx.com. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Tuxedo Pay As You Go Card Review

2011-05-11T11:43:33Z

Tuxedo Pay As You Go Card

The Tuxedo eccount MasterCard is a payment card that can be loaded with money by you or someone else. It looks just like any normal credit or debit card, with a card number, chip and signature strip. But prepaid cards are unlike credit cards, which provide you with a line of credit.

They are also very different from debit cards which are linked to a bank account. This is because you can’t borrow money with a prepaid card – you can only spend the money you have loaded onto it. The eccount MasterCard is a flexible pay as you go MasterCard card.

Why get a Tuxedo pay as you go credit card?

Tuxedo prepaid card is one of the only prepaid cards where you can cash cheques and have your benefits such as child benefit or housing benefits paid directly on to your account making it an alternative to using a bank account. Also with your Tuxedo prepaid card account you earn cash back when using your card online, all cash back is loaded on to your prepaid card account.

Using a prepaid card makes it easy to shop in the high street, on the web, by phone, and by mail order, making life so much easier than using a credit card.

What sort of service do they offer?

Tuxedo prepaid card offer you £5.00 which is loaded on to your account when you first top up. Also if you want to share money you can get a second card Tuxedo card for free.

A PAYG credit card account gives you complete control of your money and how you spend it along with the freedom to buy on-line. You can also check your balance on the Internet or over the phone or use their new text service.

Payment plans and prepaid card benefits

The Tuxedo Prepaid MasterCard is a flexible pay as you go MasterCard card. It can be used at over 28 million retail outlets worldwide and 1.5 ATM machines machines worldwide. There is no credit check to get you prepaid MasterCard where your account balance must not exceed £3000.00 and currently the card is only available in GBP (£).

Who can apply for a Tuxedo card?

The Tuxedo credit card is a Prepaid MasterCard branded card where anyone over the age of 18 years can apply for a Tuxedo card. Online secure application which takes a few minutes to complete, you will require your passport to confirm your identity.

Tuxedo eccount will send you a welcome pack in the post for you to pay via postal order, SMS, credit or debit card or by tuxedo voucher which are sold at PayPoint outlets.

If you would like to make a complaint about your card, contact Customer Services on 0845 241 4278 or you can text them this only applies if you have an account. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Secure Trust Bank Review

2011-03-09T18:00:46Z

Secure Trust Bank Review

Secure Trust Bank may not be one of the biggest banks in the UK but Secure Trust Bank are one of the strongest and have grown steadily over the last 50 years. Secure Trust Bank believe in offering value for money in a simple and transparent way and are always looking to introduce new and innovative products to suit all our customers’ needs.

Opening it couldn’t be easier as there are no credit checks or lengthy forms to fill out – all you have to provide is proof of ID and confirmation of your home address, most of which we may be able to do automatically.

Secure Trust Bank is a combined basic bank account with a prepaid MasterCard which provide a full online banking system with facilities to even manage and transfer existing direct debits. The Secure Trust Bank account is a guaranteed bank account no matter what your credit status is and you will even be accepted if you are bankrupt as long as you pay the application fee. your prepaid account allowing you to

Why get a Secure Trust Guaranteed Bank Account?

With Secure Trust Bank it is an Guaranteed bank account with no credit checks and No contract tie in period you must be 18 or over and they offer Guaranteed Acceptance. Your basic bank account is managed online with a payment MasterCard so you can use as and when you need. There are no hidden charges even if for bounced direct debits and you will not incur any overdraft fees.

The Prepaid Bank Account works like any other current account, with the facility to set up direct debits and standing orders and a prepaid card to use at over 28 million outlets. The Prepaid Account helps you control your finances and manage your budget by never letting you go overdrawn. All you need to do is make sure that there are sufficient funds in your current account to cover your outgoings – the rest can be transferred onto your prepaid card

What sort of service do they offer?

No credit checks necessary
Never go overdrawn again
No charge for bounced direct debits
Use automated transfers to manage your money
Flat fees – no hidden charges
Chip & PIN MasterCard Prepaid Card
Accepted at over 28.5 million outlets
Pay money at any Barclays Bank or cash at over 20,000 Payzone outlets in the UK
Online bank account and telephone banking service
The facility to have additional Prepaid MasterCards
‘Refer a Friend’ Reward Incentives – tell a friend about the Prepaid Current Account and if they open an account you could earn yourself £25 for every friend you recommend.
Save money on Energy Bills. By switching your gas and electricity supplier with Secure Trust you could make annual savings.

Payment plans and prepaid card benefits

The Secure Trust Bank online account is a fixed monthly payment plan with a free prepaid MasterCard It can be used at over 28 million retail outlets worldwide and 1.5 ATM machines machines worldwide. One of the main benefits is you can set up direct debits and if they bounce you will not be charged.

Who can apply for a Secure Trust Bank Account?

You can get a Secure Trust Bank account simply by being 18 years or older, resident in the UK and as long as the ID and address verifies online. Once you have completed your online application you will receive your personalised prepaid MasterCard in of 7 days.

Bankrupt or in bankrutpcy then get a prepaid current account with Secure Trust with NO credit checks are done and you are guaranteed acceptance as long as you pay the banking application fee. Even if you have bad credit you can get a Basic bank account.

If you would like to make a complaint about your card, contact Customer Services on 08451 117 117 , or by post, Secure Trust Bank Plc One Arleston Way Solihull West Midlands B90 4LH. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.