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Compare Prepaid Cards - Free Prepaid Credit Card

What is a Prepaid Credit Card

What Prepaid Cards is a comparison site explaining all about prepaid cards also referred to as prepaid credit cards? Not to be mistaken for similar products like debit cards and credit cards but with a twist. Unlike conventional debit and credit cards.

You are guaranteed to get a prepayment card.
1 - Complete the online application.
2 - Provide ID which in most cases your passport number.
3 - Pay the application fee or pre-load your account with money prior to account activation.

Prepaid credit cards offer you the same facility as a basic bank account but without jumping through the credit facility hoops. You get an online account exactly the same as a bank account. You get a payment card which is usually MasterCard that you can use as long as funds are preloaded onto the account. Your account is the same as a debit card but without overdraft facilities. You get online banking and mobile banking plus telephone banking just like a normal bank account. The only difference is no branch banking as this is where prepaid card companies save money.

Why does it cost to get a prepaid credit card and why can't I get a free prepaid debit card? Well, you can but there are three types of pre-paid cards.

1 - Free bank cards which offer no application fee but usually charge to use.
2 - Contactless cards cost more money to manufacture so usually you will have to pay for the card.
3 - Currency cards usually are free based on you preloading your cash card prior to getting your account activated.

Each prepays card company has a different offering and offers their own price structure. To see what they are offering before you dismiss them.
Just because they charge you an application fee! doesn't mean don't consider buying the card is no good as many contactless prepaid cards are expensive to manufacture. A prime example is a gold card there is an application fee and monthly fee but you get so much more with the account such as credit-booster and payment protection which debit cards don't offer. The same goes for travel money cards as most are free pre-paid cards which means that the travel cards with no application fee, but you will have to preloaded with money. In most cases, preloading can range from £10 to £200.

Prepaid Credit Cards

Different types of accounts available. We have established that prepaid cards can be used as a substitute for a basic bank account. But now you need to choose which account suits your needs?

1 - Pay as you go credit cards. Ideal for the occasional use or overspent and don't want your wages sucked up by charges
2 - Pay monthly. A set subscription charge but usually comes with a host of benefits and reduced or no fees.
3 - Travel Cards. Travel money cards are preloaded with either sterling or the currency of your choice. As the travel money company make their money in the exchange rate. They usually offer no transaction fees and some offer No ATM fees. But note banks and ATM machines do charge independent usage fees so check when you use.

Compare Prepaid Cards

How easy is the process of getting a pay as you go credit card? Applying for a prepaid credit card they will need to verify your identity against the information you have supplied. So they can confirm it's you. If you provide your ID. They can usually do a full ID check if they cannot your prepaid card account will be still opened but at a reduced account limit. The limitations are restricted to £1,600 maximum load and spend a year where account holders can draw a maximum of £600 from ATMs.

Best Pay As You Go Credit Cards

Which brand is better MasterCards or Visa Cards? Both offer the same service and values to tell you the truth.
Prepaid MasterCards seem to be readerly available as an everyday account where prepayment Visa cards are most likely to be travel money cards. MasterCard and Visa both have advantages of using them.

Best Prepaid Credit Cards to choose? With so many pre-paid cards to choose from ranging from MasterCard to Visa, from pay-as-you-go to pay monthly or annually. Compare unique prepaid cards such as
1 - Pre-paid cards for under 18’s.
2 - Currency cards.
3 - Improve your credit rating with a credit building card.
4 - Payment protection facilities.
5 - Cashback and rewards when using your account.
Also some of the favourite Pre-paid cards that offer money-saving facilities such as options making it easy to amend the account price plan you are on.

Is a gift card the same as a pre-paid card? Gift cards are closed looped programs meaning they can only be used with the retailer you purchased the gift card from. Also, the amount loaded on the gift card can only be spent and is not reloadable. Gift Prepaid credit cards are either Visa or MasterCard card branded so you can use anywhere they are accepted.

Pay As You Go MasterCards

Why get a prepaid card and not a basic bank account? As you are not guaranteed to get a basic bank account these are a new alternative. Pay-as-you-go cards have exploded into the UK.
1 - They offer a flexible way to control your money.
2 - Ideal for budgeting your expenditure.
3 - Cannot get a bank account due to bad credit or are currently bankrupt.
4 - No credit check.
5 - Guarantees acceptance.
You can get a prepaid bank account subject to ID and any initial payment.

Reviewed and compare cards?

If you are thinking of buying a prepayment card use What Prepaid Cards,
1 - Regardless of your credit status.
2 - Even with CCJ’s you will be accepted.
3 - Even if you are in bankruptcy.
4 - Even if you are bankrupt.
Can anyone have a guaranteed basic bank account? Using our comparison prepaid credit cards website and let us assist in finding a prepayment MasterCard for you.