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All UK PAYG Credit Cards

Last Updated: 22nd March 2011

The following table compares all of the UK’s top Pay As You Go prepaid cards. It's ordered by product type - full MasterCard or Visa CHIP first, Maestro/Electron Mag only last, and then by aprox usage cost.<i> This estimated cost may be higher or lower based on your intended use and selected prepaid product type. It is just a guide to enable a more informed selection.

Prepaid Card Issuer	PAYG Card Type	Card Issue Fee (inc. Postage)	Reload Fees	Monthly Fees	Max Balance Allowed in Account	Other Fees	Key Benefits	Approximate monthly fees, based on one £250 reload per month and 3 purchase's each week
ClearCash Pay As You Go Prepaid Mastercard	Chip and Pin	£4.50 (£5 via SMS)	Post Office = Free BACS Payment = Free PayPoint = 3.00%	Free	£5,000	ATM Fee = 75p (UK) ATM Fee = 1.50p +2.75% (non UK) Foreign Transaction Fee = 2.75%	-Full online bill payment facility -Purchase Protection, Price Protection and Extended Warranty package -Access to superb Budgeting Tools -Standing orders and bank transfers available	£6.25 (Based on a spend of £250 per month)
Freedom Prepaid Card	Chip and Pin	£5.99	Paypoint load fee = 3% Payroll load (BACS) = Free	Free No late fees or overdraft fees	£5,000	ATM Fee = 1.5% (uk) £2.50 (non uk) Per Use Fee (purchases) = £0.50, (uk) / 2.75% (non uk) Foreign exchange Fee = 2.75%	Guaranteed Bank Account -No Credit Checks -Pay your wages in to your bank account and seperate funds on to your prepaid card	£5.95 (Assuming £250 spend per month and 1 Wage Payment Load)
MeCard Prepaid MasterCard	Chip and Pin	Parent card Free and Teen card £9.99 (but £10 free load)	Paypoint – 3% Bank & Wage Payments – Free Debit cards = £1.00	Free	£5,000	UK ATM Fee = £0.75 Foreign Transaction Fee = Free Per Use Fee (purchases) = Free ATM fee £1.50 (non UK)	Free adult card Complete control of your money 24/7 with full parental control - Pay £9.99 for Teen Card but get £10 loaded on your card for free.	Free
Neteller Prepaid MasterCard	Chip and Pin	Free	Ukash and some named direct bank transfers = Free Wages = Free BACS Payment = 1.75% Credit card and debit card = 1.75%	£2.99	£3,000	Per Use Fee (purchases) = Free UK ATM Fee = £3.00 Foreign Transaction Fee = £2.95% ATM fee 2.95% (non UK)	- Get a virtual prepaid card account for free - Up grade to a prepaid MasterCard for Free -Accepted at over 28 Million Locations	Free based on ukash top up
The BREAD Card	Chip and Pin	£7.50	Post Office = Free PayPoint = 3% (max reload £500) Standing Order/Payroll BACS = Free (max reload £3,500) Debit card or SMS needed to apply	Free	£3,500	UK Purchase per use fee = 2% UK ATM Fee = £1.50 Foreign Transaction Fee = 2.75%	-Very low reload fees -Low cost ATM Withdrawal fees -Accepted at over 28 Million Locations	£5.00 (if loaded by BACS or Post Office)
Blue Sky Prepaid Pay As You Go MasterCard	Chip and Pin	~~£9.99~~ £5.49 (50% off)	Post Office = £1.99 Wages = Free BACS Payment = Free PayPoint = 3%	Free	£5,000	Per Use Fee (purchases) = £0.66 UK ATM Fee = £1.5% Foreign Transaction Fee = £2.5% ATM fee £2.00 (non UK)	-£0.66 UK ATM Cash Advances -Purchase Protection available -Can add Creditbuilder and improve your credit score -No Monthly Fees	£7.92 (if loaded by BACS)
Kalixa Pay As You Go MasterCard	Chip and Pin	£4.95	Wages = Free BACS Payment = Free Giropay = 1.95%	Free	£9,000	Per Use Fee (purchases) = Free UK ATM Fee = £1.75 Foreign Transaction Fee = Free ATM fee £2.25 (non UK)	-100% acceptance guaranteed, -You don't need a bank account -Low cost for occasional users -You can pay your wages directly onto your card	Free (if loaded by Wages)
Virgin Prepaid Visa Card (PAY AS YOU GO)	Chip and Pin	£9.95	Post Office = Free Debit Card = Free BACS Payment = Free PayPoint = 2.75%	free	£3,500	Per Use Fee (UK purchases) = 2.95% ATM Fee = 2.95% (UK) Foreign Exchange rate Fee = 3.5%	-PAY AS YOU GO -Accepted at 28 Million Locations -Top-up at the Post Office, PayPoint and by Debit/credit card - Access to the Virgin Discount Network	£7.37
Sterling Pay As You Go MasterCard	Chip and Pin	£9.95	Free	Free	£5,000	UK ATM Fee = 1.50 Foreign Transaction Fee = 2.99% Per Use Fee (purchases) = £1.50	-Accepted at 28 Million Locations -Purchase Protection Included -Low cost for occasional users	£18
CashPlus MasterCard Gold PREMIUM ACCOUNT	Chip and Pin	£29.99	Post Office – Free Bank & Wage Payments – Free Authorised Retail Network – Free	FREE	£5,000	UK ATM Fee = £0.99 Foreign Transaction Fee = 2.99% Per Use Fee = FREE	-Free Purchase Protection -No purchase Transaction Fees -No Monthly Fees	£0
CashPlus MasterCard Gold Pay-As-You-Go	Chip and Pin	£9.95	Free	Free	£5,000	UK ATM Fee = 99p Foreign Transaction Fee = 2.99% Per Use Fee (purchases) = £1.00	-Accepted at 28 Million Locations -Purchase Protection Included -Low cost for occasional users	£12 (£1 per transaction)

Your Money Remains In Your Hand With Pay as you prepaid cards - Stay Connected To Your Money

O2 in the United Kingdom is considered to be one of the leading service provider of telecommunications and broadband in the state. This was previously known as BT Cell net and in the year 2006 it was acquired by Telefonica and Telefónica Europe, its subsidiary.

It was in the year 2009 on 15 th July that O2 entered the field of financial industries with the commencement of O2 pay as you go prepaid card. This was the first step towards implementation of financial services in the mobile phone. Some of the future plans include developing NFC or Near Field Communication technology in the cell phones in UK . The NFC technology was ready and it was waiting for support from handset manufacturers and the large retailers before emerging in the market.

In the trail period of NFC technology, about 500 individuals joined in the year 2007. The individuals were given to choose from Nokia sets for making payments at the selected retailers as well as tour the London Underground along with the transactions made through Barclays. The giant retailers today discuss about deployment of the requisite electronic spot of sale units. This primarily aims at enabling NFC technology in the future.

With the o2 pay as you go prepaid card you are not far away from your money. Once you have loaded your pay as you go prepaid card with money, you will receive alerts stating the total money you have in the card. The cash manager of O2 ensures that you are not indulging in overspending on unnecessary stuffs. The pay as you go prepaid card is extremely useful when it comes to shopping for daily household services and goods. As you can keep a track on the money you have, you definitely can improve your financial status better. The budgeting calculator offered, helps you to know the amount that you can afford to spend at present. The card details can be managed easily with online facilities.

The mobile network of O2 covers about 99% of UK . The 3G networking services offer 3.6 Mbps speed for the HSDPA-enabled devices. In the year 2009, it announced that it has plans of erecting more than 1,500 new cell sites all over the state by the year 2010. The entire up gradation plan was estimated to cost around £500 million. In the year 2010, O2 brought into the market a free application which was known as Fast Connect. It could be accessed from more than 22000 Wi-Fi hotspots all over the state. This was particularly because of increase in the use of all-inclusive data tariffs and jamming of 3G networks.