BreadFX Euro Prepaid MasterCard

Published on 10 December 2010 by Raffick Marday

A BreadFX Prepaid MasterCard is free plus you can load it with cash using your UK bank card.

The BreadFX euro prepaid card works by Bread FX converting your sterling into Euros as you load, with better exchange rates and with no commission and no hidden fees.

Once you preload your BreadFX Euro MasterCard they will send you the euro card in the post which you activate when you receive. You can then use the euro card abroad anywhere in the Eurozone, just like your UK bank card - but because the card is in Euros you know exactly how much you're spending.

You can check your BreadFX card's Euro balance at any time using your mobile phone or the internet, and top up your card 24 hours a day when you need to. When you get home, keep your card for your next trip - it's valid for three years.


Traditionally, There have been several ways to obtain cash or pay for goods when you are abroad:

  • order cash and/or travellers' cheques from your bank in advance
  • use your UK debit or credit card abroad
  • buy local currency in cash at the airport or when you arrive

Travellers' cheques aren't accepted everywhere, but then no-one likes the risk of carrying all their holiday money in cash.

So lots of people use their UK bank cards abroad instead, but the exchange rate on each transaction varies, is usually not very good, and often carries additional fees and commission*. You often won't know how much you've really spent until you get home and check your statement.

And if your UK cards are stolen and cloned, you could end up having your bank account emptied and be stranded with no money while you wrangle with your bank. BreadFX can arrange a replacement card to be couriered to you**


With a BreadFX Card

  • Know exactly how much local currency you have before you go
  • Feel confident you are getting a great exchange rate
  • No need to worry about what rates and fees your bank may charge you
  • Load only how much you need and top-up 24 hours a day if necessary
  • Use your prepaid MasterCard card at over 30 million worldwide locations

If you lose it, we'll express courier you a replacement**
You can view your balance and transaction history online 24 hours a day and even receive the current balance via SMS for FREE.


All Cardholder funds are deposited at Newcastle Building Society (NBS) on behalf of our customers

NBS is a well capitalised 'mutual' Building Society. As such, NBS is regulated under the Building Societies Act of 1986 as amended at the end of 2003, as well as by the Financial Services Authority (FSA). The Act goes stipulates that at least 50% of the funds raised by a Building Society must be raised from deposits from the members. In this respect, the Building Societies are much more conservative than Banks and therefore could be considered less risky.

Therefore, in the unlikely event of NBS running into financial difficulties, the money would be protected. Indeed, the following statement has been made by NBS directly - "BreadFX are able to guarantee the safety of all prepaid card balances as this money is held completely separately in a designated client account, which would not be affected even in the event of the Society experiencing financial difficulty.


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