Prepaid credit cards

Compare prepaid cards with Confused.com

Manage your money and you could save POUNDS!

There are many great reasons to consider prepaid cards. We've broken the cards down so you can find the best one to suit you.

  • Planning a trip? Prepaid cards are a cost effective way to take money abroad, as you can load the card up before you leave, locking in the exchange rate.  
  • Worried about carrying cash abroad?A prepaid card is more secure than carrying cash, and as many providers offer emergency card or cash replacements your holiday needn't be ruined if you lose a card.
  • Want to make sure you stick to a budget? A prepaid travel card is a great way of setting yourself a holiday budget - you decide how much money to load onto a card so you know exactly how much you've got to spend.
Prepaid travel cards
Transaction fee
ATM fees
Monthly fee
Application fee
Vanquis

The AA Multi-Currency Card Transaction feeFree ATM fees£1.50 - Free when you withdraw more than £50 Monthly feeFree Application fee£9.95 - Free when you load over £100 Apply
Confused customer exclusive! Additional £10 credited to your card when your first load is £500 or more.
Vanquis

my Travel Cash Multi-Currency Transaction feeFree ATM feesFree Monthly feeFree Application feeFree Apply
Exclusive to Confused.com customers - load £600 or more and receive £5 cashback. Plus, get 1% unlimited cashback on everything you buy. Load in Pounds, spend or withdraw cash in any currency. No cash withdrawal or foreign transaction fees.
Vanquis

Fair FX Transaction feeFree ATM fees£1.00 Monthly feeFree Application fee£9.95 Apply
Load your FairFX Anywhere card in Sterling and use anywhere, in any country and in any currency.
Vanquis

Caxton FX Prepaid Card Transaction feeFree ATM feesFree Monthly feeFree Application feeFree Apply
Lock in a competitive exchange rate every time you load your card, either online, by phone or SMS.
Vanquis

ICE Prepaid Card Transaction feeFree ATM feesFree Monthly feeFree Application feeFree Apply
No fees on foreign transactions or ATM withdrawals, plus get 1.5% cashback on qualifying purchases made with the Euro, US Dollar and Sterling Travellers Cashcard. ICE will buy up to £100 unused euros or dollars on your card back from you commission-free, at the same exchange rate you locked in at as long as you loaded your card within the last 7 days.
Euro prepaid cards
Transaction fee
ATM fees
Monthly fee
Application fee
Vanquis

The AA Euro Currency Card Transaction feeFree ATM fees€1.50 - Free when you withdraw over €50 Monthly feeFree Application fee£9.95. Refunded when you load more than €100 Apply
Confused customer exclusive! Additional €12 credited to your card when your first load is €500 or more.
Vanquis

my Travel Cash Euro prepaid card Transaction feeFree ATM feesFree Monthly feeFree Application feeFree Apply
Exclusive to Confused.com customers - load £600 or more and receive £5 cashback. Secure your exchange rate by loading in Euros, and use your card with no fees for transactions or cash withdrawals. Earn 1% unlimited cashback on all your purchases, and benefit from 24/7 customer service support.
Vanquis

Caxton FX Currency Card - Euros Transaction feeFree ATM feesFree Monthly feeFree Application feeFree Apply
The Euro rate you see is the rate you get. No commission or fees when loading your card via phone, online, SMS or App. Free to withdraw cash from ATM’s or to use in shops, hotels, restaurants and other outlets worldwide.
Vanquis

FairFX Prepaid Card - Euros Transaction feeFree ATM fees€1.50 Monthly feeFree Application fee£9.95 Apply
Load your card in euros and lock in a competitive exchange rate.
Vanquis

Debenhams Prepaid Card - Euros Transaction feeFree ATM fees€2 Monthly feeFree Application feeFree Apply
Exclusive offer- Confused.com customers get a free £5 voucher (valid on day of purchase only) and a special prepaid card exchange rate.

Compare credit cards for using abroad with Confused.com

  • What changes are there? Most debit and credit cards add a foreign exchange fee, or commission charge, when you use them abroad, but you can avoid these fees by picking a specialist credit card that doesn't add these extra charges.
  • What other benefits are there? A number of credit cards offer special travel deals such as cheaper travel insurance, no fees on overseas cash withdrawals or reduced charges when buying foreign currency.
  • How do I know which card is right for me? You can compare our range of travel credit cards to get the best deal for you

Prepaid cards for everyday use

A prepaid card is a great way of setting a budget; you’re in control of your own money, you can use it to shop online and you won’t need to carry around cash. Even better, when you apply the provider won't check your credit record, so even if you don't have a credit history because you're new to the UK, or you've never borrowed money, you're guaranteed to be accepted.

Dollar prepaid cards
Transaction fee
ATM fees
Monthly fee
Application fee
Vanquis

my Travel Cash Multi-Currency - Dollars Free Free Free Free Apply
Exclusive to Confused.com customers - load £600 or more and receive £5 cashback. Secure your exchange rate by loading in dollars, and use your card with no fees for transactions or cash withdrawals. Earn 1% unlimited cashback on all your purchases, and benefit from 24/7 customer service support.
Vanquis

Caxton FX Currency Card - Dollars Free Free Free Free Apply
The Dollar rate you see is the rate you get. No commission or fees when loading your card via phone, online, SMS or App. Free to withdraw cash from ATM’s or to use in shops, hotels, restaurants and other outlets worldwide.
Vanquis

FairFX Prepaid Card - Dollars Free $2 Free £9.95 Apply
Load your card in dollars and lock in a competitive exchange rate.
Vanquis

Debenhams Prepaid Card - Dollars Free $3 Free Free Apply
Exclusive offer- Confused.com customers get a free £5 voucher (valid on day of purchase only) and a special prepaid card exchange rate.
Prepaid cards for everday use
Transaction fee
ATM fees
Monthly fee
Application fee
Vanquis

Ffrees Family Account Free £0.75 Free Free Apply
Get both a current account and a prepaid card with no monthly fee (£2 a month if you do not use your Ffrees Account for two consecutive months). Earn Ffrees Savings Points when you spend with any of the Ffrees 100’s of Retailers. Instant acceptance with no credit checks.
Vanquis

ClearCash Pay As You Go 2.5% £ 0.75 Free £4.95 Apply
No credit check or bank account required. Get your own account number and sort code and add up to four additional cardholders.

Prepaid cards for everyday use

If you use your prepaid card regularly, you could save by getting a pay monthly card. You pay either a monthly fee for the card or pay a minimum amount into the account each month and in return you could get lower transaction or ATM fees.

Pay monthly prepaid cards
Transaction fee
ATM fees
Monthly fee
Application fee
Vanquis

Ffrees Diamond Account Free Free £10 Free Apply
Get both a current account and a prepaid card, with no fee in your first month of subscription. Earn Ffrees Savings Points when you spend with any of the Ffrees 1000+ Retailers. Instant acceptance with no credit checks.
Vanquis

Secure Trust Free £0.50 £12.50 £12.50 Apply
Get both a current account and a prepaid card for the £12.50 monthly fee. Earn cash rewards up to 4% at selected retailers when using the card.
Vanquis

CardOne Prepaid Card 2.75% £ 1.50 £ 12.50 Free Apply
Monthly fee includes use of a prepaid card and a current account.

Credit building prepaid cards

Standard prepaid cards don't improve your credit rating as no money is borrowed or repaid - you only spend what you load onto your card. The cards below can help improve or repair your credit rating by agreeing to loan you the annual fee which you pay back in monthly instalments.

Pay monthly prepaid cards
Transaction fee
ATM fees
Monthly fee
Application fee
Vanquis

ClearCash Pay Monthly Free Free £10 Free Apply
No credit check or bank account required. Get your own account number and sort code. Set up direct debits, standing orders and add up to four additional cardholders. Sign up for Creditbuilder to improve your credit rating by up to 40%.
Vanquis

Cash Plus Free £0.50 £12.50 £12.50 Apply
Help improve your credit rating when you pay your monthly fee, plus earn up to 27% cashback from purchases made online with selected retailers

What is prepaid card?

A prepaid card is a payment card that is pre-loaded with money. Once you've loaded money onto your card you can then use it to shop online, abroad or take cash out of an ATM. Prepaid cards are similar to credit cards in that they look the same, and have the same chip and PIN facilities, but are different in one important aspect: there's no credit, so you don’t need to worry about spending over your budget. You top up a prepaid card in a similar way to topping up a pay-as-you-go phone. You can usually top them up at Payzones which can be found at over 30,000 locations in the UK, using your mobile, with a debit card or even by having your wages paid directly to the card. Some of the most common benefits to using a prepaid card include:

  • They are a great way to shop online if you are worried about identity theft- most prepaid cards aren’t tied to your bank account and so limit your exposure to fraud.
  • You are guaranteed acceptance if the provider can verify your identity using your personal details.
  • Many cards come with a companion card, meaning you can share money with friends or family anywhere in the world.
  • Some cards can be used to rebuild your credit rating by loaning you the annual fee which you pay back in instalments each month. At the end of the year your repayments are reported to Experian, helping to improve your credit rating.
  • If you’re planning a trip then a prepaid card is safer than carrying cash, and you can avoid foreign exchange rate fees if you buy your card in Euros or Dollars.

You can view more information about prepaid cards in our article; Prepaid Cards: the safe way to take money abroad.