U Account Card Review - Your Account Prepaid MasterCard

U Account Card


Application FeesFree
Transaction Fees£0.50
Monthly Fees£5
ATM Charges£0.50
Top Up FeesFree

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More Information

Top-Up Information

U Account Card top-up. Hence when you reload your prepaid card sometimes you will be charged a small fee. Also, your U Account prepaid card depending on the method, however, nearly all the providers offer at least one free reload option.

So, Top-up fees are FREE OF CHARGE using the following top-up providers or methods:

Free Top Up Charges:

  • Bank transfer: Free of charge - Instantly
  • Standing Order: Free of charge- Instantly

Top Up options that are charged:

  • Paypoint: 4% per load amount - Instantly
  • Debit Card: £0.50 -Instantly


Payee name: Ffrees Family Finance Ltd

  • Account number: 8 digit account number.
  • Sort code: 6 digit account number.
  • 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 (bank transfer) and £750 (debit card) and £249 (PayPoint)
  • Minimum Load Amount: £10.00
  • ATM Maximum Withdrawl: £250.00
Usage Charges

U Account Fees and usage charges for your card are charges that you need to pay when you use your prepaid card. Since making purchases or taking out money at ATM's or banks.

  • Card Issue Fee: Free
  • Additional Cards: £5.00
  • Annual Fee: Free
  • Transaction Fees the UK: Free
  • Foreign Exchange Fees: 2.99%
  • Monthly Service Fee: £5
  • ATM Charge UK: £0.50 per ATM cash withdrawal in the UK
  • ATM Charge Abroad: >£0.50 + 3% per ATM withdrawal internationally
  • Cancellation / Redemption: £2.50
  • Replacement Card Fees: £5.00

Balance Enquiry:

  • By SMS / Text Message: £0.10
  • By Phone: Free
  • Via the Internet: Free
Product Information

U Account Review

Consequently, With the  U Account cards, there are three packages at the moment to suit your needs

  • £0 Monthly Price Point
  • £5 Monthly Price Point
  • £10 Monthly Price Point

  • Application Fees: N/A 
  • Transaction Fees: N/A
  • Monthly Fees ATM: From Free to £5 or £10
  • Charges Top Up Fees: Free or 3%

Hence, U is a new type of personal account. Also, with direct debits and a contactless prepaid Mastercard Card. Consequently, U Account offers a free application so no upfront fees.
The U Account comes with a free digital Money Manager. Also, the option to add up to 20 Extra Accounts (In addition, with their own account number and sort code). Therefore, This allows you to keep on top of spending habits, areas, and trends. Also, as well as being able to set money aside for different reasons. (So, whether it’s bills, a holiday, or just a rainy day).

So, Account holders will also get automatic cashback with some of the UK’s most well-known retailers. In addition, either online or in-store.
In addition, There’s no credit check required as part of the application. Also, all fees are listed clearly. Therefore you can choose which of the monthly packages suits YOU.

In addition, You can set up a standing order or a one-off transfer from an existing bank account by sending funds to the following info U Account.

Your U Account Number: So, You can find your U Account number by logging into your U-account. Then, in addition, clicking “my card” in the navigation bar at the top of the screen.

Name: Your Full name
U Account
Sort Code: 62-30-53
Bank Name: NatWest
Address Exchange Buildings, High Street, Skipton


U Account Prepaid MasterCard

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

  1. You are at least 18 years of age or over.
  2. You live in the UK and you are a permanent resident
  3. You have Identification to prove who you are? Passport or Driving licence or citizen card.
  4. The U Account Card is free

Please note that until payment is made your U Account Card account will not be opened.

Options on how to U Account Card if the application fee is required?

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

To pay later - If you prefer to pay by cash or later. U Account will send you a list of ways you can pay for your card application fee in order for your card to be processed and sent to you.
In most cases, you should be able to pay by cash at a Post Office, Payzone, Paypoint or at your bank when you apply.
Once you have paid for your U Account Card it will arrive within three to seven days.

Remember these points are simply a guideline and the company can change or update their policy at any time so please read the terms and conditions before applying for a U Account Card account.

Most noteworthy, The decision to accept only made by U Account Card after they have taken your details. Also, confirmed your ID and received payment. If you are unsure at any point we suggest you seek financial assistance.

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