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What are prepaid cards?
A prepaid card is a sort of debit card that you load money onto. The key characteristic of prepaid cards is that you can’t spend what you don’t have, unlike with a credit card. You’ll need to make sure you’ve got enough loaded onto the card for whatever it is you want to pay for, before you pay for it.
Think of it like a pay-as-you go phone: you’ll need to keep your balance topped up to use it.
Prepaid cards can be great if you have a bad credit score, since applying for one doesn’t require a credit check. They can also be better for your financial health than other sorts of card. For example, you can’t fall into an overdraft that isn’t there, and you can’t rack up debt if you’re not borrowing anything.
The downside of prepaid cards is that they don’t come with all the bells and whistles of a current account – the sort of bank account you need a good credit score to get.
If only there was a card that brought you the bells, the whistles, and still scrapped the credit check.
Well, it’s funny you should say that.
U Account is a spectacular prepaid card/current account combo. and it offers the best of both.
If you open a U Account, you’ll receive a prepaid contactless card as standard – it’s a Mastercard® one, so you know it’s going to be accepted in lots of places. You also get an account that allows you to set up direct debits and standing orders, make payments, open sub-accounts for your bills or setting funds aside, manage your money with tools like visual statements and spending categories, earn cashback points, AND check your finances on the go with an app for your mobile.
Gone is the need to compromise.
Apply for a prepaid card alternative today, with U.