IVA.co.uk

If you do not have a bank account or credit card then a prepaid card could be the solution.

PrepaidCredit Card:	Application Fee	Transaction Fee	ATM Fee UK	Overseas ATM Fee	Reload Fees	Benefits & Limit	Apply Here
Tuxedo Prepaid Card * recommended by IVA.co.uk	£9.95	2.95% (min 99p, max £1.50) per transaction	UK ATM 1.5% (min 99p, max £1.50)	£2.25 abroad	FREE at over 2,000 Bank Branches/transfers. PO: 99p, PayPoint/Online debit/credit card 3%	Pay as you go £3000.00 Limit Chip & Pin	Apply Now Master Card
Splash Card	£5	2.5%	£1.50 (plus 2% if over £50)	2.5% surcharge for ATM withdrawals, 1% surcharge for POS transactions	Post Office / Paypoint: 30p per £10 Credit/Debit cards: 2.5% Wage or BACS transfer: Free	£3500 balance limit, Chip and Pin enabled. Free SMS alerts service helps you keep up with your balance	Apply Now Maestro
Fair FX Currency Card	£9.95 (free if you load £500 on 1st load)	FREE for purchase transactions made in the UK and overseas	UK ATM - £1.00 per withdrawal	International charged at £1.00 per withdrawal	FREE card load online by Debit or Bank Transfer. 1.5% charge for Credit Cards	Pay as you go £2400.00 Card Limit Chip and Pin	Apply Now Master Card
Extreme Cred	£8.95	Free	£1.00 per withdrawal - Foreign ATM	2.00% per withdrawal	Post Office £0.70 - Internet and Paypoint from £0.80 to 3.00%	Pay as you go Card £1000.00 Limit - Chip & Pin	Apply Now Maestro
Post Office Card	£10.00	2.75% transaction charges	UK ATM - £1.50 per withdrawal	Foreign ATM - £2.00 per withdrawal	Free to reload at Post Office - Over the phone	Pay as you go Card £5000.00 Limit - Chip and Pin Visa Card	Apply NowVisa

You can use prepaid cards to:

•Make purchases in shops, online, by phone, and through mail order
•Pay bills
•Send and transfer money to friends and family
•Get cash from cash points or banks
•Log in to do internet banking

How Can I Get a Prepaid Card?
No credit check is required to get a prepaid card, but you will need to prove your identity and address.

How Do Prepaid Cards Work?
You, your employer or a government agency can deposit money directly onto the prepaid card. You can use the money on the card right away. The amount you spend or withdraw is deducted from it immediately.

What Does It Cost to Use a Prepaid Card?
There is usually no fee to use a prepaid card to make purchases or pay bills. But there may be fees to get a card, add money to it, check the balance, withdraw money from ATMs or banks, contact customer service, or replace a lost or stolen card. There could also be a charge for not using a card for a long time. You may be able to use certain ATMs with no fee and/or make a limited number of free ATM withdrawals or deposits each month. Know if and when you will be charged for using your card and how much it will cost.

Reduce the fees you pay by planning your card use carefully.
Remember that fees are usually deducted from the amount that is on your card.

After looking at several Prepaid Cards, IVA.co.uk recommends the Tuxedo prepaid card.