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Prepaid credit cards

Compare prepaid cards with Confused.com

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.


Prepaid travel cards

A prepaid travel card is a great way of setting yourself a holiday budget – you can load up the card before you leave, locking in your exchange rate so you know exactly how much you’ve got to spend. 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 your card.


Transaction fee ATM fees Monthly fee Application fee
My travel cash card my Travel Cash Multi- Currency
Free
Free
Free
Free
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.
Post Office Prepaid Card Post Office
Free
Varies by country
Free
Free
Apply
Choose from eight different currencies- Euros, US, Australian, Canadian or New Zealand Dollars or South African Rand or Swiss Francs. Top up and check your balance online, by SMS or phone. No foreign transaction fees or load fees.
Caxton FX Prepaid Card Caxton FX Prepaid Card
Free
Free
Free
Free
Apply
Lock in a competitive exchange rate every time you load your card, either online, by phone or SMS.
Ice Prepaid Card ICE Prepaid Card
Free
Free
Free
Free
Apply
No fees on foreign transactions or ATM withdrawals, plus get 1% unlimited cashback on all your purchases. ICE will buy up to £300 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 30 days.
The AA Multi Currency Prepaid Card The AA Multi-Currency Card
Free
£1.50 - Free when you withdraw more than £50
Free
Free
Apply
Free to use on overseas transactions, plus withdraw more than £50 and your withdrawal fee will be refunded. No credit checks and a UK call centre- load over £100 and get your card issue fee refunded.
Fair FX Prepaid Card Fair FX
Free
£1.00
Free
£9.95
Apply
Load your FairFX Anywhere card in Sterling and use anywhere, in any country and in any currency.


Euro prepaid cards

Transaction fee ATM fees Monthly fee Application fee
my Travel Cash Euro Prepaid Card my Travel Cash Euro prepaid card
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 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.
Caxton FX Euro Prepaid Card Caxton FX Currency Card - Euros
Free
Free
Free
Free
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.
The AA Euro Currency Card The AA Euro Currency Card
Free
€1.50
Free
£9.95
Free when you
load more than €50
Apply
Free to use on overseas transactions, plus withdraw more than €50 and your withdrawal fee will be refunded. No credit checks and a UK call centre- load over £100 and get your card issue fee refunded.
Virgin Prepaid Travel Card Euros Virgin Prepaid Mastercard - Euros
Free
€1.50
3.50% + €1.50 for
other currencies
Free
Free
Apply
Load your card in euros for your holidays. No application fees, and no fees for transactions carried out in euros. Get approved instantly, with a free emergency second card. Shop or withdraw cash wherever you see the MasterCard symbol.
Debenhams Euro Prepaid Card Debenhams Prepaid Card - Euros
Free
€2
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.
FairFX Prepaid Card - Euros FairFX Prepaid Card - Euros
Free
€1.50
Free
£9.95
Apply
Load your card in euros and lock in a competitive exchange rate.


Dollar prepaid cards

Transaction fee ATM fees Monthly fee Application fee
my Travel Cash Dollar Prepaid Card my Travel Cash Prepaid Card - 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.
Caxton FX Dollar Currency Card 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.
Virgin Prepaid Travel Card Dollars Virgin Prepaid MasterCard - Dollars
Free
$2
3.50% + $2 for
other currencies
Free
Free
Apply
Load your card in dollars for your holidays. No application fees, and no fees for transactions carried out in euros. Get approved instantly, with a free emergency second card. Shop or withdraw cash wherever you see the MasterCard symbol.
Debenhams Dollar Prepaid Card 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.
FairFX Prepaid Card - Dollars FairFX Prepaid Card - Dollars
Free
$2
Free
£9.95
Apply
Load your card in dollars and lock in a competitive exchange rate.


You can also compare credit cards for use abroad.


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.


Transaction fee ATM fees Monthly fee Application fee
Ffrees Prepaid Card Ffrees
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 1000+ Retailers. Instant acceptance with no credit checks.
Orange Cash Card Orange Cash Card
Free
2.95%
Free
Free
Apply
No monthly fees or purchase fees in the UK. Manage your money with the free Orange Cash app for Android smartphones, letting you load instantly on the go, check your balance and transactions and set personal balance alerts. Earn 1 reward point for every £1 you spend and redeem for Orange PAYG minutes, texts or credit.
Kalixa Prepaid Card Kalixa
Free
£1.75
Free
£6.95
Apply
No top-up fees when you load money using internet banking.
ClearCash Pay As You Go 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.
Virgin PAYG Prepaid Card Virgin Prepaid MasterCard - PAYG
2.95%
2.95%
Free
£9.95
Apply
No bills, no interest, no danger of going over budget. Accepted in over 200 countries - just look for the MasterCard symbol. No bank account needed, and no credit checks, plus get discounts at Virgin companies.


Pay monthly prepaid cards

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.


Transaction fee ATM fees Monthly fee Application fee
Ffrees Diamond Account Prepaid Card 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. Plus, exclusive offer of FREE Hi-Life 2-for-1 Diners Card, worth £69.99.
Virgin Prepaid MasterCard - Pay Monthly Virgin Prepaid MasterCard - Pay Monthly
Free
£1.50
£4.75
£9.95
Apply
Accepted in over 200 countries - just look for the MasterCard symbol. No bank account needed, and no credit checks, plus get discounts at Virgin companies.
Kalixa Prepaid Card Kalixa
Free
£1.75
Free
£6.95
Apply
No top-up fees when you load money using internet banking.
Secure Trust Prepaid Card 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.
CardOne Prepaid Card CardOne Prepaid Card
2.95%
£1
£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.


Transaction fee ATM fees Monthly fee Application fee
ClearCash Pay Monthly Prepaid Card ClearCash Pay Monthly
Free
£0.50
£9.95
£4.95
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%.
Cash Plus Prepaid Card Cash Plus
Free
£2.00
£4.95
£4.95
Apply
Help improve your credit rating when you pay your monthly fee.


You can also compare credit building cards.


What is a 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