UK Prepaid Credit Cards (Mastercard & Visa) If you require a prepaid Mastercard / Visa credit card program for your business or organisation then visit our business prepaid credit card page for details. If you have read our UK adverse 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 other solutions open to you, secured offshore credit cards and prepaid credit cards. As we point out, if you live in the US there are plenty of (expensive) secured credit cards and if you live in the UK there are some European secured credit cards 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 offshore or foreign banks. Currently, there are no banking institutions in the UK who offer secured Mastercard / Visa cards (although Capital One used to). The only solution left for people with bad credit is the prepaid credit / debit card. This is simply a plastic 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 prepaid credit / debit 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. A consequence of this is that prepaid credit / debit cards are perfect as low risk, private and confidential second credit cards for use on the Internet. In this respect, they are not credit cards but stored value debit cards, in so much as you cannot go into debt with them. Also, as no credit is involved, prepaid credit / debit cards do not generally report to the credit reference agencies, although a couple now do such as the Cashplus, Eclipse and Freedom prepaid cards. Up until quite recently the only place to obtain a prepaid card was in the US. However, as a result of the Patriot Act 2001, US prepaid credit cards are not available outside the US. Fortunately, in the last couple of years numerous prepaid Mastercard & Visa credit cards have been introduced into the UK market. Listed below are some of the prepaid Mastercard & Visa credit / debit cards that are available to those in the UK and International (worldwide) irrespective of whether you have any bad credit or not. The UK And International Prepaid Mastercard / Visa Credit And Debit Card List 1: More than 40 listed (on this and the other prepaid card page) (prepaid debit / credit card information last checked & updated 2nd March 2010) o2 Money Prepaid Visa Totally FREE prepaid Visa card. UK ONLY Available to o2 customers only 2 card programs to choose from. No Application Fee. No Monthly Fees. No Load Fees. Top up at o2 shops or Paypoint. No UK Transaction Fees. | 
Click on above card image. | Virgin Money Monthly Prepaid Mastercard This monthly prepaid Mastercard from Virgin Money costs just £9.95 and is free to load at the Post Office. £4.75 monthly fee. | 
| cashplus Gold UK Prepaid Mastercard This Gold prepaid Mastercard is part of the very popular range of prepaid Mastercards from cashplus *. Costs just £9.95. FREE top-up at 14,500 locations. This prepaid Mastercard allows you to rebuild your credit rating! More details of cashplus Prepaid Mastercard. | 
| White Eagle Group Freedom Eagle Cash Prepaid Mastercard This prepaid Mastercard is the UK's first retail instant issue reloadable card that requires no credit checks, bank accounts or form filling. There is also a facility to improve your credit rating with their Credit Booster program which for just £3.95 per month reports your repayments to the credit reference agencies. Can be loaded via Paypoint or the Post Office. Costs £9.99. | 
| White Eagle Group White Eagle Prepaid Maestro Card This prepaid Maestro card package costs from just £9.95 and includes a Maestro card, PAYG mobile phone SIM card and an Eagle Talk low cost International call telephone card. You can pay your wages directly onto your card or it can be reloaded Via Paypoint. | 
| Provident Visa Debit Card Prepaid Visa Debit Card Cards are available in prepaid values of £300. NOT guaranteed but adverse credit considered. | 
| Vanquis Bank Visa Credit Card If you have a bad credit history this is one of the best Visa cards to apply for. Credit limits start at £250. Not guaranteed but one of the best unsecured alternatives to a prepaid Mastercard or Visa. | 
| E-Credit Plus e-Platinum Plus Credit Card “The e-Platinum Plus card is the credit card you have been waiting for. With guaranteed approval and a credit line of up to £5000, you'll be able to buy the things you want AND the things you need. There is no credit check, your credit line can be increased upon request and we report to the major credit reference agencies. All adverse credit is welcome." | 
| Tuxedo The Sun Prepaid Credit Card This prepaid debit card with the Mastercard logo can be topped up at any PayPoint outlet. Costs just £6.49. Can be paid for by mobile phone text message. | 
| Capital One Visa Credit Card Again, if you have an adverse credit history and do not want a prepaid debit Mastercard or Visa card then you might wish to apply for this Capital One unsecured card. Not guaranteed but one of the best unsecured alternatives to a prepaid Mastercard or Visa. Can help you rebuild your credit history. | 
| Optimum (360 Money) Prepaid Credit Card This prepaid Mastercard costs just £9.95. There is the choice of either a £4.95 monthly fee with no transaction charges or no monthly fees with a 2.95% transaction fee. Top ups are free. | 
| FairFX Prepaid Credit Card This is a prepaid Mastercard designed for travelling abroad and is available in Euros or US Dollars. It can also be used as normal on the Internet or anywhere you see the Mastercard logo. This prepaid card offers very attractive exchange rates when loading the card with funds. The card costs just £9.95. There are no transaction or monthly fees. | 
| Splash Plastic Prepaid Maestro Credit Card This company supplies a reloadable prepaid Maestro (Mastercard) card for UK customers. Easy to top up. This prepaid card has no monthly fees and costs just £5.00 to obtain. | 
| Entropay Virtual Prepaid Visa Allows you to pay online anywhere Visa is accepted. This virtual prepaid Visa card can be obtained by anyone worldwide. This pre-pay Visa is loaded using a credit or debit card. | 
| Epassporte Virtual Visa Prepaid Credit Card This virtual Visa reloadable prepaid credit card is available to anyone worldwide. 5% reload fee. Requires Visa credit card to open an account. Visa Electron ATM prepaid card also available. | 
| talkSPORT Prepaid Debit Card talkSPORT radio are offering a prepaid Maestro debit card. The cost of the card is just £9.95. | 
| Multibanka (oldest commercial bank in Latvia) Virtual Prepaid Mastercard Credit Card This prepaid credit card account is a virtual prepaid reloadable Mastercard credit card. Also provides bank accounts. No minimum opening deposit. Online banking. | 
| VCardPro (through Parex bank in Latvia) Prepaid Virtual Visa / Mastercard This organisation offers a prepaid virtual Visa / Mastercard through the Parex bank based in Latvia. The opening fee for 12 months is US$60. The annual fee is then US$25. Purchase commission is 1%. Notarised copy of passport and signature specimen required. | 
| Lloyds TSB Prepaid Travel Money Visa Card This prepaid Visa card from Lloyds TSB costs £7.50 and can be loaded with up to £3000. You can top it up with your debit or credit card. The minimum reload is £50. | 
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Companies which are no longer supplying prepaid credit cards or ATM prepaid debit cards to either UK or International customers include: Vista Global, Ekasse (never any prepaid cards), Fransabank, Caribpay, Harvest Capital (no prepaid cards delivered), Direct Pay International, World2Call, Freecashcards/Netpay, IPC Shopping, Prima Verkauf, DiscreetCard, Gold2Cash, Cambist, WMCards, GoldNow, Privy-Pay, Eurochamber, The PV Card, PoolOfGold, Deep Thought Sovereign prepaid Mastercard, GoldenDebitCard, GlobalXChange, SoloPay, ZeroCards, Gold ATM, Internet Currency Corp, MasterVirtualCard, TheGoldShop, Giftcard Online, ExactPay, Ecaid, Uniclear, VisaElectronCard, Dukascopy, GoldToCard, Festiva Prepaid Card, CashCards.net, Bluebanking, Chronocash, GoldAfrica, MygCard, E-Fidex, Panama IBC, e-Ls & Nonamecard (prepaid debit card never received). Also never received Can Card prepaid Mastercard. Easykard also no longer provide cards (and owe us hundreds in affiliate commissions). Be wary of prepaid credit / debit card issuers who are offering anonymous prepaid reloadable credit / debit cards with unlimited load amounts without any ID checks. We would be very suspicious of organisations making claims about such prepaid credit / debit cards. Unless otherwise stated, all of the prepaid credit / debit cards we list require some form of ID check and have limits on the amount that can be loaded onto their prepaid credit / debit cards.
It is always advisable to order prepaid cards from a company with an established name or one that you recognise and is based in the UK such as Cashplus, Virgin, Tuxedo, 360 Money etc.
More prepaid credit and debit card accounts on our other prepaid debit / credit card page. If you are a business / organisation and wish to provide prepaid Mastercard / Visa cards to your employees or members then visit our business prepaid card page for details. * 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. Back to prepaid credit card and UK bank account page. | 
