Unbank of

Create your prepaid card account in seconds. It’s all about you.

Only spend what you have, with a prepaid card account from U. apply now for no credit checks, no hidden fees, and no hassle.

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Contactless card provided free with every U Account U Account mobile app on iOS or Android phone


Put spare cash straight into your account, any day of the week, at a convenient location near you. Just take your U card down to any of 29,000 participating UK stores.

Money Manager

Visual statements, spending categories and interactive graphs make it easy to track exactly where (and when) your money is going, so you can take back control of your budget.

Extra Accounts

Whether it’s setting cash aside or setting up direct debits for your bills, with their own unique account numbers and sort codes, Extra Accounts will help you get organised and keep your separate funds – separate.


Get your wages or benefits paid directly to your U Account, receive BACS and Faster Payments, make payments out, AND set up direct debits or standing orders. We’ve got all bases covered.

Contactless Card

You’ll receive a free contactless prepaid debit Mastercard® card as standard, so you can make purchases online or in-store in a jiffy.

Contactless card provided free with every U Account U Account mobile app on iOS or Android phone

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Our Awards

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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.

Ready to Join?

Apply Now