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e-platinum credit card

 

Guaranteed approval and

a credit line of up to £5000

 

prepaid mastercard          prepaid visa card

 

UK Prepaid Credit Cards (MasterCard & Visa)

 

 

business prepaid mastercard     visa payroll card

 

Do you need a prepaid MasterCard / Visa credit card program for your business or organisation? Visit our business prepaid credit card page for details.

 

The UK Prepaid MasterCard / Visa Debit (Credit) Card List:

All prepaid cards below are available to those with bad credit.

(All card information was last checked & updated 23rd January 2012)

 

Our Top 2 Prepaid Cards

 

 

The UK's most popular

Prepaid MasterCard.

 

The UK's only Gold

prepaid MasterCard.

 

No Credit Checks.

100% Guaranteed.

Over 500,000 cards already issued.

All your funds are kept in trust by the Royal Bank Of Scotland.

 

Improve or build your bad credit history with their unique Creditbuilder program.

 

Borrow up to £400 with iAdvance.

 

Get your Gold Prepaid

MasterCard today!

 

Click here

 

cashplus Prepaid MasterCard review

 

 

cashplus

Gold Prepaid MasterCard

 

cashplus gold prepaid mastercard

 

Click on above prepaid cashplus * MasterCard image.

 

 

The new & popular Prepaid

MasterCard from Orange.

 

No Credit Checks.

100% Guaranteed.

The cards are issued by Barclays Bank.

 

Loading is free at Orange shops or by bank account / debit card.

 

Get your Orange Prepaid

MasterCard today!

 

Click here

 

Orange Cash prepaid card review

 

Orange Cash

Prepaid MasterCard

 

orange prepaid mastercard

Click on above prepaid Orange Cash MasterCard image.

 

 

And the rest of the best UK prepaid cards

 

 

Kalixa

Prepaid MasterCard

 

This company which is regulated by the FSA offers one of the least expensive to operate prepaid debits cards in the UK.

 

There are no monthly fees, no transaction fees

and the cards can be loaded for free using either Internet Banking or by paying in cash at Barclays.

 

There are also no credit checks.

 

The cost of the card is just £4.95.

 

kalixa prepaid mastercard

 

Click on above Kalixa prepaid MasterCard image.

 

Secure Trust Bank

UK Bank Account & Prepaid MasterCard

 

Guaranteed Bank Account With MasterCard.

 

No Credit Checks.

 

This bank which has been in operation for around

60 years offers a guaranteed UK bank account

linked to a MasterCard prepaid debit card. Funds

from the bank account can easily be transferred

to the prepaid MasterCard when required. There

are no credit checks and telephone and online banking is provided just like with any normal

current account. Cash and cheques can be paid

in at any branch of Barclays. The prepaid

MasterCard itself can be topped up at

Payzone outlets.

 

 

secure trust bank prepaid bank account

 

Click on above Secure Trust Bank image for your guaranteed bank account and prepaid MasterCard.

 

 

Freedom

Freedom Prepaid MasterCard

 

This company offers the UK's first retail instant

issue reloadable prepaid MasterCard. There is the choice of either a 'pay as you go' tariff which has

fees for transactions & loading or a 'monthly tariff' which costs £6.95 per month but is free of most transaction and loading fees.

 

There is also a facility to improve your credit

rating with their Credit Booster program which

is free on the monthly tariff and reports your transactions to the credit reference agencies.

This card costs just £5.99 and can be loaded

at any Paypoint outlet or the Post Office.

 

freedom prepaid mastercard

 

Click on above Freedom prepaid MasterCard image.

 

BlueSky Card Solutions Ltd

Prepaid Mastercard

 

BlueSky Card Solutions offer a UK prepaid

MasterCard that costs just £9.99. It is available

on a pay as you go or pay monthly tariff. On

the pay monthly tariff the loading of funds by

bank account is free. With the pay as you go

option there is no £4.45 monthly fee. The pay

monthly option also offers a credit booster

program designed to improve your credit rating.

 

 

bluesky prepaid mastercard

 

Click on above BlueSky prepaid MasterCard image.

 

EZ Pay

Escape Prepaid Mastercard

 

EZ Pay offer a prepaid MasterCard which is

available online or at any Phones 4u store.

It costs £9.99 and can be topped up at any

Phones 4u store for free, the Post Office, at

any PayPoint location or by debit and credit

card. Wages and benefits can also be paid

directly onto the card.

 

 

escape prepaid mastercard

 

Click on above Escape prepaid MasterCard image.

 

my Travel Cash

Prepaid Currency MasterCard

 

This company offers a free prepaid MasterCard

in a choice of either a multi-currency, US Dollar

or Euro versions. They are designed as a cheap alternative to using credit cards abroad. They

give great exchange rates, charge no commission

and have free ATM withdrawals.

 

 

mytravelcash prepaid mastercard

 

Click on above my Travel Cash

prepaid MasterCard image.

 

 

Splash Plastic

Prepaid Maestro Card

 

Splash Plastic issues a reloadable prepaid

Maestro debit card for UK customers. This

card has no monthly fees and is free to top

up via bank transfer. The initial cost is just

£9.95.

 

 

splash plastic prepaid maestro card

Click on above Splash Plastic

prepaid Maestro card image.

 

 

And a few UK credit cards suitable for those with no or adverse credit

 

 

Vanquis Bank

Visa Credit Card

 

If you don't wish to apply for a prepaid card

for any reason but have a bad credit history

and still require a Visa or MasterCard payment solution then this is one of the best Visa cards

to apply for. They have helped over a million people in the UK get a credit card who

otherwise might not have got one.

 

Vanquis Visa credit card review

 

 

vanquis visa credit card

 

Representative Example:

 

Purchase annual interest rate 39.94% (variable).

Amount of credit £1000.

Representative 39.9% APR (variable)

 

 

Capital One

Visa Credit Card

 

Again, this is another company which has

helped many people in the UK with an

adverse credit history succeed in obtaining

an unsecured Visa credit card. If you are successful in your application you will only

get a low credit limit but the card will help

you build your credit rating if you use it

correctly.

 

This is another good alternative to a prepaid

card as you won't be subject to any upfront

costs or fees if you pay off your balance on

time every month.

 

 

visa card alternative to prepaid card

 

Representative Example

 

34.9% APR representative variable
34.94% p.a. variable on purchase
£1,200 credit limit


Capital One
Trent House
Station Street
Nottingham
NG2 3HX

 

 

If you have read our UK bad credit history unsecured UK credit card page then you will know

that if you have some form of bad credit and cannot obtain any of the UK credit cards that

we tell you about then there are two remaining solutions open to you, namely secured

offshore credit cards and prepaid credit cards like the ones listed above.

 

As we point out, if you live in the US there are plenty of (expensive) US secured credit cards

and if you live in the UK there are some European secured credit cards (usually attached to

offshore bank accounts) available to you if you have the required security deposit. However,

many people do not have access to such funds and others are unwilling to risk such money in foreign (or offshore) banks. Currently, there are no banking institutions in the UK which offer secured MasterCard or Visa cards (although Capital One used to). Stop Press - It appears

that Capital One have reintroduced their secured credit card again! Invitation only at the

moment.

 

The only solution left for people with bad credit is the prepaid credit card (or correctly named

prepaid debit card). This is simply a plastic payment card with the usual MasterCard or Visa

logo that is prepaid, either when you buy it or when you load or reload it with your own funds.

These reloadable cards allow you to add credit, usually with small minimum amounts so you

just load what you need to spend. There are no large security deposits to surrender and

no credit checks. A consequence of this is that prepaid credit cards are perfect as low risk,

private and confidential second credit cards for use online.

 

In this respect, they are not credit cards but stored value (or prepaid) debit cards, in so much

as you cannot go into debt with them. Also, as no credit is involved, prepaid credit cards do

not generally report to the credit reference agencies, although a couple now do including the

very popular cashplus card.

 

Not all prepaid cards have the MasterCard or Visa logo on them. Some come in the form of a prepaid Maestro, Cirrus or Visa Electron card and some prepaid accounts have no card at all, simply an account number to use online or on the phone. This type of account is called a virtual card account. Also, some cards are non-reloadable and these are often known as gift cards.

 

Previously, prepaid cards had only really been available in the US and as a result of the Patriot

Act 2001, US cards were no longer available to anyone outside the US. Fortunately, in the last

couple of years numerous MasterCard & Visa prepaid credit cards have been introduced into the

UK market. You can see most of the main current ones at the top of the page. This list is by no means exhaustive. There are new prepaid cards coming onto the market all the time (and

quite a few disappearing). We have simply listed the best and most popular ones.

 

A few other cards, for example, include the Post Office Travel Money Card Plus prepaid

MasterCard, the TalkSPORT Prepaid Maestro card and the Cantonfx Prepaid Visa designed

for use abroad.

 

There are more International & UK prepaid credit and debit card accounts on our other

International prepaid debit card page. This page lists some worldwide Maestro & Cirrus

debit cards such as the eForexGold debit card or the GlobalCash debit card, a few of the

increasingly popular virtual prepaid cards which are simply Visa or MasterCard account

numbers without the actual plastic card and the top UK prepaid cards.

 

* The cashplus prepaid MasterCard is issued by APS Financial Ltd (AFL) pursuant to license

by MasterCard International Incorporated. AFL is authorised and regulated by the Financial

Services Authority. (www.fsa.gov.uk/register) Registered in England no. 06029941. Your card

will be serviced by Advanced Payment Solutions Ltd (APS) which is a registered agent of AFL

for this purpose. Registered in England no. 04947027. cashplus is a registered trademark of

APS.

 

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