Compare the best Prepaid Cards

What are prepaid cards?
Why choose a prepaid card?

							Instant Decision
	Overall Rating	Setup Fee	Monthly Fee	Transaction Fee	ATM Fee	Benefits

Freedom Prepaid Mastercard More Info	No credit check and 100% acceptance rate plus improve your credit rating with free Credit Booster	£5.99	£5.95	2.75%	£1.50	Personalise the look of your card with your own photo. Free insurance and discounts at over 20,000 retailers	Apply >
Blue Sky Pay Monthly Mastercard More Info	Pay monthly card with 100% acceptance rate. Improve your credit rating with free Credit Booster. Also avalable as Pay As You Go	£9.99	£4.45	£0.00	£0.99	Free payment protection insurance, free bank loads and no booking fee with Ryanair	Apply >
Cashplus Gold More Info	Free Creditbuilder option - helps you rebuild and strengthen your credit rating for no extra cost. Award winning prepaid card	£4.95	£4.95	£0.00	£0.99	No Credit Check; no bank account needed; 100% acceptance rate; Creditbuilder option	Apply >
ClearCash More Info	The only prepaid card that allows you to upload by cheque, plus has unique online budgeting tools	£4.50	£9.99	0.00%	£0.50	Purchase protection; price protection; extended warranty on electrical goods	Apply >
ClearCash PAYG More Info	Good option for occasional use. Low fees and easy to apply and use. Budgeting tools & cashback options	£4.50	£0.00	2.50%	£0.75	100% Acceptance Ratel; Low fees; Budgeting tools	Apply >
Virgin Prepaid - Pay monthly More Info	Prepaid card with 100% acceptance rate. Consider if your credit card application has been rejected	£9.95	£4.75	£0.00	£1.50	No credit check; The only VISA prepaid card in the UK; Discounts on Virgin products	Apply >
Virgin Prepaid – Pay as you go More Info	100% acceptance rate. Consider if your credit card application has been rejected	£9.95	£0.00	2.95%	2.95%	No credit check; The only VISA prepaid card in the UK; Discounts on Virgin products	Apply >
Kalixa Prepaid Mastercard More Info	No monthly or transaction fees. Free to load online or in any Barclays branch.	£4.95	£0.00	£0.00	£1.75	Accepted worldwide with no FX fees making it one of the cheapest ways to spend abroad	Apply >
Virgin Prepaid Travel Money Card More Info	Travel card available in Euro or Dollar currency. Additional fees apply if using the card in a different currency area	£0.00	£0.00	0.00%	0.00%	No commission fees; accepted in most countries around the world; free emergency card	Apply >
Cashplus Deluxe with iAdvance More Info	Prepaid card that lets you borrow money - up to £500. 730 APR Typical (Variable)	£4.95	£9.95	£0.00	0.00%	100% acceptance rate; creditbuilder; free ATM withdrawals in the UK; cashback on all transactions	Apply >

Prepaid cards aren’t a credit card, but they do have most of the same benefits

You can use them to withdraw cash and shop online, just like credit cards. Simply load them with cash and away you go – much like a pay as you go mobile. However, unlike credit cards, prepaid cards do not offer any borrowing facility and so don’t charge interest.

Pros

100% acceptance rate - Making them particularly suitable if you have a weak credit profile, don’t have a bank account or can’t get a credit card for another reason.
No credit facility - Which means it impossible to overspend or pay any interest.
Security - Some prepaid cards come with Purchase Protection Security just like a credit card.
Overseas spending - A convenient and secure alternative to carrying foreign currency when abroad.

Cons

No credit facility - So you have to load funds onto the card in advance.
Usage Charges - There is typically a small set-up cost and either an ongoing monthly fee, or a small charge every time you use your card.

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Our credit card introduction, credit brokerage and credit intermediary services (excluding the Granite Card) are provided by Media Ingenuity Ltd trading as TotallyMoney. Media Ingenuity Ltd is an independent credit broker and/or credit intermediary for the purposes of the Consumer Credit Act 1974. The product information is obtained from independent sources and rates may vary depending on your financial circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider. We do not give financial advice. We provide this service free of charge but may receive commission or payment from credit card issuers for introductions or assistance with preparatory work. Should you choose to proceed, our partners may charge you fees for their products or services.

The Granite card is promoted by MI Money Ltd and issued by Vanquis Bank Limited. MI Money Ltd is a tied credit intermediary of Vanquis Bank Limited and promotes the Granite card exclusively in partnership with Vanquis Bank.

Vanquis Bank can be contacted at its registered office at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 2558509. Vanquis’ consumer credit activities are licensed by the Office of Fair Trading (Consumer Credit Licence number 532364). Vanquis Bank Limited is authorised and regulated by the Financial Services Authority.

The Fluid credit card is promoted by MI Money Ltd and issued by MBNA Europe Bank Limited, a Bank of America company. MI Money Ltd is a tied credit intermediary of MBNA and promotes the Fluid card exclusively in partnership with MBNA.

MBNA can be contacted at its registered office at Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered number 2783251. MBNAs consumer credit activities are licensed by the Office of Fair Trading (Consumer Credit Licence number 0363167) and MBNA’s general insurance activities are authorised and regulated by the Financial Services Authority.

TotallyMoney is owned and operated by Media Ingenuity Ltd (company number 06205695). Trading Address: 3rd Floor, Holden House, 57 Rathbone Place, London, W1T 1JU. Registered Office: Eastcastle House, 27-28 Eastcastle Street, London, W1W 8DH. Registered in England and Wales.