They are similar to credit or debit cards. You can withdraw money from ATM cash machines, pay for goods in stores or restaurants and use online or abroad. The main difference is that you must have money available on your prepaid cards to use them, so that all your purchase are 'prepaid'. In this way they are similar to pay-as-you-go mobile phones which also need to be topped up with cash before you can use them.

Prepaid cards have many advantages, including:

• No credit checks needed to apply
• Get your salary or wages paid into your prepaid card
• Shop online, in store at millions of locations worldwide
• Withdraw cash from ATM's
• No bank charges
• Safer than carrying cash
• Pay-as-you-go controlled spending
• Chip and PIN security

You must be:

• Over 18 years of age
• UK resident
• ID required

See individual providers for accurate details on all costs.

Generally there is a one off set up fee and a monthly fee, or in some cases a transaction fee. See terms & conditions for full details.

The application is very simple and takes about five minutes. Simply select one of the providers above, complete a simple application and you will be given an immediate online decision.

How long does the application take?

Your application should only take 5 minutes. Simply enter your personal information and click 'submit'. You will be given an online decision in seconds.

Do you credit score my application?

Your credit rating is not important, which means you can get an immediate online decision.

I have a bad credit history, can I still apply?

Yes, apply - prepaid cards are an ideal for you to manage your spending!

When will I recieve my card?

You will usually recieve your card within 10 days.

What if I lose my card?

Contact your card provider and they will be able to cancel your 'lost' card and issue you with a replacement.