Hounslow Youth - Prepaid Credit Cards and Poor Credit Rating Credit Cards.

Prepaid Cards

Please see a range of prepaid cards in the table below. Here, you can compare the main features to a card so that you can choose which one suits you and your lifestyle. Look at maximum allowed balance, fees (is this a “pay as you go” card or a “monthly” card?), where to load the card and more.

Comparing the main features will allow you to make an informed choice. Remember: to apply for a prepaid card you will not need to worry about your credit score, because no credit checks will be carried out. You cannot borrow money with a prepaid card — what you load is what you get!

Company	Issuer	Cost	Max	Monthly Fee	Purchase Balance	ATM Fee	Under 18	SMS Services	Money Share	Top Ups	More Info
Virgin Prepaid Card		£9.95	£3500	£4.75	£0	£1.50	Yes	No	No	Paypoint, Post Office, Internet (Credit / Debit), BACS
	The Virgin Prepaid MasterCard prepaid card gives you money off - on Virgin holidays, films, music, games, gyms, wine and more.
Freedom Prepaid MasterCard		£9.99	£3000	£0	£0	£1.50	Yes	Yes	Yes	Paypoint, Post Office, Wages, BACS
	The Freedom Card is the UK's first retail instant issue, fully reloadable, embossed Prepaid MasterCard® with chip & PIN security that customers can purchase without any ID. The instant card has a maximum balance of £650 - you can upgrade your card by providing a Passport, or UK Driving Licence maximum balance £3,000. You can now also purchase by SMS phone text!
Bread Card		£7.50	£3500	£0	£2.00	£1.50	Yes	Yes	Yes	Paypoint, Wages, BACS, Post Office
	Features - 3 choices of design, can be bought by mobile phone SMS, up to 10% cashback at over 900 online shops. Can be loaded for FREE at Post Offices or by bank transfer. FREE SMS balance checking service also. Only £7.50 to buy card and now accepted everywhere the Mastercard logo is found.
ClearCash		£4.50	£5000	£9.99	£0	£0.50	No	Yes	No	Paypoint, Post Office, Wages, BAC
	Features – Unique online Budgeting tools “BudgetMaster”, downloadable budgeting packs, can be bought by mobile phone SMS, up to 10% cashback at over 900 online shops using ClearCashback.co.uk. Full Purchase Protection package. Can be loaded for FREE at Post Offices or by bank transfer. FREE SMS balance checking service also. Only £4.50 to£5.00 to buy card and now accepted everywhere the MasterCard logo is found.
Onebanking Prepaid Card Bank Account		£30	£25000	£12.50	£0	£0	No	Yes	Yes	Bank, BACS, Wages
	Onebanking is both a banking facility and a Prepaid card that's open to everyone. Irrespective of your current situation or past credit history. There are no credit checks! You will also get a personal account manager to help you manage your money.
Cashplus Gold Mastercard		£9.95	£5000	£4.95	£0	£1.00	No	No	Yes	Post Office, Wages, BACS
	Top-up for FREE at 14,500 locations, including any UK Post Office® branch Use at over 25 million retail outlets and over 1 million ATMs worldwide, wherever you see the MasterCard acceptance mark.
o2 Prepaid Card		Free	£10,000 a year	N/A	£0	£0	Yes	Yes	Yes	Paypoint, Internet (Debit)
	o2 have launched o2 Money, allowing you to keep on top of your cash using your mobile. Receive free text alerts to tell you how much money is left on the card.
Tuxedo Prepaid Mastercard		£9.95	£3000	£4.99	£0	£0.50	No	Yes	Yes	Post Office, Paypoint, Internet, Bank
	Tuxedo Pay Monthly - Monthly charge but fees are less on usage than the Tuixedo pay-as-you-go card. Better for regular users.
Splash Plastic		£5.00	£3500	£0	£2.50	£1.50	Yes	Yes	No	Paypoint, Post Office, BACS, Internet
	Available to persons aged 10 and over, you can top up Splash Card at any Post Office branch or PayPoint outlet, over 34,000 locations across the UK
Optimum Pay Monthly Mastercard		£9.95	£5000	£4.95	£0	£1.50	Yes	No	No	BACS, Post Office, Internet Debit, Wages, Paypoint,
	The Optimum Prepaid Pay Monthly card is for users who are planning to use the card more regularly. The fees are lower than the Pay As You Go card but there is a monthly fee.
White Eagle Prepaid Maestro Card		£4.95	£5000	£0	£0	£0.95	No	Yes	Yes	Paypoint, Wages, BACS, Foreign Bank
	The White Eagle Prepaid Maestro card costs only £4.95 (introductory offer.)You can also buy a 'Companion Card' which can be given to a relative (13 years and older) and money transferred from the main card FREE OF CHARGE. There is NO purchase fee in the UK or abroad, so is cheap to use on holiday or abroad. Card is available in pounds and Euros.
The Sun Prepaid Mastercard		£6.49	£3000	£4.99	£0	£0.5	No	Yes	Yes	Bank, BACS, Paypoint,Internet
	Low ATM withdrawals at 50p and no transaction fee at home or abroad. Loading via bank is free and you will be provided with your own paying in book with the initial purchase.
Cashplus Gold Pay As You Go		£9.95	£5000	£0	£1.00	£2.00	No	No	Yes	Post Office, Wages, BACS
	This is Cashplus's Pay as you go card - it is designed for users who use the card infrequently. There is no monthly fee; but a £1 purchase fee everytime you use it. So if you plan to use the card less than 5 times a month - this is the card for you.
Optimum Pay As You Go Mastercard		£9.95	£5000	£0	£2.95	£1.50	Yes	No	No	BACS, Post Office, Internet, Wages, Paypoint
	The Optimum Prepaid Pay As You Go card is for users who are planning to use the card more less frequently. There is no monthly fee but there is a 2.95% transaction fee.
The Sun Pay As You Go Prepaid Card		£6.49	£3000	£0	£2.95	£1.50	No	Yes	No	Bank, BACS, Paypoint, Internet
	The Sun Pay as You Go card had no monthly fees - you only pay when you use the card. However there are charges associated with the card which you would not incur if you buy the Sun Mastercard
Tuxedo Pay As You Go Prepaid Card		£9.95	£3000	£0	£2.95	£1.50	No	Yes	Yes	Post Office, Paypoint, Internet, Bank
	Pay as you go card with free paying-in book and no monthly fees. Fees are only paid when the card is used.
BaBeeCard Prepaid Mastercard		£9.95	£3000	£0.75	3%	£1.00	Yes	Yes	Yes	Internet (Debit), Bank
	Babeecard Mastercard is a card designed for new mothers, mothers-to-be, and families - you can save at selected retailers including John Lewis, Waitrose, Asda, Sainsbury's, Mothercare and more. In fact the card is suitable for anyone who wants to make savings, especially on groceries.