Visa Prepaid convenience cards

Sometimes known as general purpose cards, convenience cards operate like a virtual bank account or a prepaid mobile phone account.

You charge your card with money and use it just like you would use a normal debit or credit card. Then, when the funds are running low, you top-it-up again.

These convenience cards are a great option for people who might not qualify for a traditional debit or credit card or for those who want to keep their card spending entirely separate from their everyday finances.

Simply apply for a card (generally from a high street bank) and decide how much money you want to load onto it. You can then check your balance anytime and get mini statements or spending reports. You can also choose how to reload the card – over the internet, over the phone or over the counter.

Beware that the precise details (and charges) differ from issuer to issuer. For example, some cards are specifically designed for seasonal or migrant workers whilst others may be aimed at younger adults.

Get a Visa prepaid card