Spark Card Review - Instant MasterCard Prepaid Credit Card
Spark prepaid MasterCard
Spark prepaid card is a prepaid MasterCard from prepaid financial services. This Spark card is designed especially for people who are regularly sending money overseas. This card can be used worldwide in over 34 million locations and also at all those places where logo of MasterCard is shown with the indication of the acceptance of the MasterCard.
Spark Card is perfectly suitable for two types of people, one those who want to manage their wages in a more secured way and the other those business people who want have a proper budgeting of their personal and business expenses both. The users of Spark Prepaid Card proudly admit it to be an ideal card for them for helping them to shop online in a fully secured way. They find that Spark Prepaid MasterCard have made it very convenient and easy for them to send money to their family and friends abroad.
This Spark Card is easily used in stores, online purchases and also can be used for purchases made on phones. Top loading of the Spark Card is also very easy as it can be loaded at selected pay zones or any post office branch. More interesting is that Spark Prepaid MasterCard can also be loaded through SMS. Depositing of your wages in your Spark Prepaid MasterCard is done for free and with this you are never messed up with any petty cash related matters too. Apart from wages there is just a very minimum fees charged for top loading your Spark Prepaid MasterCard. The balance in your card is uploaded instantly.
To get the Spark Prepaid MasterCard it is very easy as you just need to apply online which would just take your few minutes and later after a week you get your card.
I feel that Spark Prepaid Card has added a sparking thrill for me to purchase and send money overseas without any tensions and at the same time I know to easily manage by budgets too. It has also become very easier for me now to pay off my monthly bills through Spark Prepaid MasterCards. It also protects my identity along with keeping my bank details safe as it is not linked with my bank account. I know very well as to what is my limit of spending which means the amount that is loaded in the card is the only amount for which I can use this card for. This limit actually enables me to manage money properly as the money that is loaded can only be spent by me. I have started making all my business expenses through this card because it also maintains the records of all the expenses which I no more need to make them. The chip and the pin of the card reduce the chances of fraud and so does it also keeps my money safe this way. It is also easy to get the card blocked by just a mere SMS in the case if I have lost my card or if someone has stolen it.
Top Up Information
When you reload your prepaid card sometimes you will be charged a small fee, depending on the method, however nearly all the providers offer at least one free reload option.
Top up fees are FREE OF CHARGE using the following top up providers or methods:
|Free Top Up Charges||Charges||Timescales|
Free of charge
Top Up options that are charged
|SMS/Internet Debit Card load||£1.00||Instantly|
|SMS/Internet Credit Card load||2.5%||Instantly|
|Load Card by Voucher||£2.00||Instantly|
Card Load Limits
|Maximum Card Limit:|
£2000.00 - (£7000.00 Spark 'plus')
|Maximum Load Amount:|
£2000.00 - (£7000.00 spark 'plus')
|Minimum Load Amount:||£10.00|
|Maximum ATM Withdrawal:|
Maximum of 3 top-ups allowed per day.
Spark Prepaid Card
Some cards have usage charges and these charges vary depending on what card you have selected. The charges can apply from transactions to ATM withdrawals and some cards have none at all!
Here is a list of usage charges for the above mentioned card.
|Card Issue Fee:||£10.00|
|Transaction Fees UK:||Free|
|Foreign Exchange Fees:||3%|
|Monthly Service Fee:||£2.50|
|ATM Charge UK:||£1.50 per ATM cash withdrawal in the UK|
|ATM Charge Abroad:||£2.50 per ATM withdrawal internationally|
|Cancellation / Redemption:||£20.00|
|Monthly inactivity fee (after 90 days of inactivity)||£5.00|
|Replacement Card Fees:||£5.00|
|By SMS / Text Message:||£0.10|
|Via the Internet:||Free|
How to Apply
You have chosen to apply for a Spark prepaid MasterCard, please ensure you meet the following points as this will make your application more likely to be approved. Please ensure that:
You are at least 18 years of age
You are a permanent resident/citizen of the UK
Card is £10
Please note that until payment is made and identity confirmed your prepaid Spark account will not be opened.
How to Pay
Pay now - The fastest and easiest way to pay is by debit card or credit card. Make a simple one off payment whilst signing up. Confirmed highly secure website, with card and personal details protected.
Pay later - If you prefer to pay by cash. Choose pay by cash by bank transfer when you apply. Send an amount in sterling to their account with your card reference, they will contact you when it is received when the amount is loaded to your card.
These points are simply a guide to the minimum acceptance criteria for the Spark Prepaid card. Please ensure you read their terms and conditions and see a full list of charges.
The decision to accept will only be made by Spark after they have taken your details, confirmed your ID and received payment.