Compare pay as you go credit cards

Choose a pay as you go debit card that only lets you spend the credit you've loaded, and could help you manage your money better.

18 results found, sorted by affiliated products. How we order our comparisons. Commission earned affects the table's sort order.
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Suits Me Premium Card
Administration fee
£9.97 then £4.97 a month
UK transactions
Free
UK ATM withdrawals
£1.25
Load charges
Bank transfer: free, Paypoint: £0.99 + 2.6%
No credit checks or hidden fees or charges. Open an account in minutes and get instant access to your current account with the ability to set up bank transfers, direct debits and standing orders. Includes a free contactless Visa debit card.
Must have a UK address and be aged 18 or over.
Eligibility
Minimum Age18 years
Suits Me Premium Plus Card
Administration fee
£9.97 then £9.97 a month
UK transactions
Free
UK ATM withdrawals
£1.12
Load charges
Bank transfer: free, Paypoint: £0.50 + 2.6%
No credit checks. Open an account in minutes and get instant access to your current account with the ability to set up bank transfers, direct debits and standing orders. Includes a free contactless Visa debit card. 4 free UK ATM withdrawals a month.
Must have a UK address and be aged 18 or over.
Eligibility
Minimum Age18 years
Pockit Prepaid Card
Administration fee
£1.99 a month
UK transactions
Free
UK ATM withdrawals
£0.99
Load charges
Bank transfer: free, debit card: free, Paypoint: £1.49
Get a prepaid contactless Mastercard and current account in minutes. Top up £10 and get free card delivery and 1st debit card load free. No credit checks or penalty fees. Send and receive money, use Direct Debits and ATMs.
Must have a verified UK address and be aged 18 or over. T&Cs apply.
Eligibility
Permanent UK Resident
Minimum Age18 years
Additional Cardholders Minimum Age13 years

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      Last updated: 30 June, 2021

      What are pay as you go credit cards?

      A pay as you go credit card, or pay as you go debit card, are just alternative names for a prepaid card. These are also often known as top-up credit cards.

      Although these are often referred to as ‘credit cards’, they're not credit cards in the traditional sense. They’re actually prepaid cards. You can use these cards to spend money that you've loaded onto them. They don’t offer credit so you can’t build up debts or owe money to the card provider.

      When you run out of money, you can simply top up your card by loading more money onto it – like you would with a pay-as-you-go mobile phone. You do this using a debit card or through a bank transfer.

      You can use a PAYG (pay as you go) card to buy things online or in shops using either chip and pin or contactless. You do this in exactly the same way that you’d buy things with any other bank card.

      Here’s a closer look at how these prepaid accounts work.

      How to get the best prepaid card

      The best PAYG credit card for you is the one offers the benefits you want at the lowest cost.

      You can use our comparison to find the right card for you.

      When it comes to fees you might have to pay, look out for:

        You can then work out how much each card will cost based on how you plan to use it.

        What are the benefits of a pay as you go bank card?

        Different prepaid cards come with different features. The advantages of using a prepaid card can include:

          What are the disadvantages of prepaid bank cards?

          There are some features of prepaid bank cards that may not be ideal for you.

          For example:

            Can you get a top up credit card if you have bad credit?

            Yes. A pay as you go credit card doesn't require a credit check. That means these are useful for people with bad credit who have trouble getting a credit card, or even a current account.

            As they don’t require a credit check, they can also be good for people who’ve just moved to the UK.

            Pay as you go credit card FAQs

            No, because you are not borrowing the money, instead you have to add the money to the card before you spend it.

            No, they do not let you borrow money in any way. You can only spend what you have already added to the card.

            Yes, but some charge you for using them overseas. Here is how prepaid travel cards work.

            VISA and MasterCard process the payments you make with your prepaid card. They are very similar, but this guide explains how they both work.

            No, but the Chargeback scheme could help you get your money back if something goes wrong with a transaction.

            About our prepaid cards comparison

            Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from providers either directly regulated by the Financial Conduct Authority or providers that are partnered with a company regulated by the FCA. Here is more information about how our website works.

            We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
            You do not pay any extra and the deal you get is not affected.