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Prepaid Cards

Take Control of Your Spending

Prepaid cards are a true innovation that meet a genuine financial need. A prepaid card is simply a means of carrying cash that allows you to behave as if you have a credit card – but without spending money you do not have!

Why might a prepaid card suit you?

  • If you have a problem getting credit – there are no credit checks required!
  • If you are wary of paying on credit – there is no interest to pay if you only spend cash you already have!
  • If you want to fight existing debt – i.e. you don’t want to rack up more debt as you might with a credit card
  • If you shop online – and don’t want to part with credit card details
  • If you are a students managing your money – no risk of overspending

Prepaid cards - The Basics

So, what do you get? A personalised, embossed, Chip and PIN prepaid card that looks, feels and behaves the same way as a credit card, but without the need for a credit check and without the risk of you overspending.

There is usually a very small joining fee and then you either tend to pay a small monthly fee (with free transactions) or pay as you go (with a small % added to each transaction). Most cards offer free ways to top up your account. Total charges per month (assuming a typical usage of one £250 top-up and 3 transations per week) are in the range of £5 – £10. This is much less than the costs associated with running a credit card where you don’t pay off the balance at the end of each month!

Will you qualify for a prepaid card? Generally speaking “yes” so long as you have a UK residence. For the best deals check out our 100% up-to-date prepaid card comparison table.


Credit Card Loans

If you’re uncertain which type of credit might suit you or you have a money problem then one of guides may help you. We summarise each type of loan and their pros and cons, and address issues regarding debt and credit ratings.

More reasons for using a Prepaid card

An everyday convenience card for those who:
  • don’t have a bank account and need a home for their money
  • are newcomers to the UK, don’t have a credit rating and need plastic
  • are going abroad and prefer to carry cash on a card
A money-sharing card for those who:
  • wish to share money with friends and family anywhere in the world
  • with upto 4 additional cards and Maestro Acceptance, your loved ones can have access to your money and make purchases at over 9 million worldwide locations
An online internet payment card for those who:
  • wish to shop online but don’t have plastic
  • are worried about online fraud
  • feel that online shopping is subject to potential fraud
The online gaming card for those who want to:
  • indulge in the latest gaming online – and have their winnings paid back onto their card for free.
  • limit their financial exposure by not using their credit card
  • protect their identity online
The payroll card for those:
  • employees who want their wages to be paid on a card and save cheque cashing fees
  • employers who want to pay their staff using a card instead of cash/cheque
The funky tweenage card for those who:
  • are 10 years or over and want their own card
  • want to take control of their spending. Where, when & how – they decide!


  • No Upfront Fees
  • Smart Online Service
  • Stay Safe & Secure
  • Independent & Impartial
  • Trusted Partners


For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.



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Written/Reviewed by: Amanda Gillam

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