How To Get Free Virtual Prepaid Card | NO ID Required

What’s a Pay as you go Debit Card?

A fundamental pay as you go debit card is a fee card that isn’t linked to a checking account within the conventional sense. They’re normally fundamental ‘prime up and go’ fee playing cards that may be loaded with cash at a Publish Workplace or PayPoint retailer. They’re referred to as pay as you go playing cards as a result of you need to add cash earlier than you should use them.

Not like a bank card or a debit card with an overdraft connected, you possibly can solely spend as a lot cash as you add to a pay as you go money card.

Fits Me is Extra Than a Primary Pay as you go Card

Primary pay as you go playing cards don’t include further banking options together with Direct Debits, standing orders and financial institution transfers. However our pay as you go Mastercard® debit card does – and plenty extra. It really works equally to a standard debit card linked to a checking account.

In addition to having the ability to prime up with money, you’ll get an account quantity and kind code that you could give to your employer to have your wage routinely paid in. You too can obtain financial institution transfers utilizing these particulars.

You’ll make funds in the identical approach you’ll with a financial institution card too – for instance, utilizing chip and PIN or tapping for contactless funds. You too can use our pay as you go card to pay on-line or over the telephone, withdraw money from ATMs, and arrange computerized funds for payments.

And similar to a daily debit card, you possibly can see your pay as you go Mastercard® card stability and up to date transactions via on-line banking and our useful cellular banking app.

What are the Advantages of Our Pay as you go Debit Playing cards

Our pay as you go cash playing cards are nice for plenty of totally different individuals, from overseas nationals to freelancers and those that merely wish to handle a funds. Listed below are 5 causes to get yours:

• Accessible: Not like a standard checking account, you will get a Fits Me pay as you go card with no credit score test or proof of handle. You’ll simply want one type of ID, a selfie and fewer than 10 minutes of spare time!
• Nice for budgeting: Pay as you go playing cards solely will let you spend as a lot as you add to them, so you possibly can’t go overdrawn.
• Safe: Pay as you go debit playing cards are safer than carrying money. Your cash is protected by your distinctive PIN, and it’s simple to dam and unblock your card in our app or on-line if you happen to lose it.
• Straightforward to prime up: Adding money to your card is fast and simple. Prime up with money at over 28,000 UK PayPoint locations, get your wage paid in routinely, and obtain UK financial institution transfers.
• Straightforward to make use of: Use your pay as you go Mastercard® card to pay in-store, on-line or over the telephone. Add your card to Google Pay or Samsung Pay for contactless cellular funds. Withdraw money securely from ATMs wherever, each time.

The place Can I Use a Pay as you go Mastercard® Debit Card?

You should use our pay as you go playing cards in plenty of locations, similar to common debit playing cards! We use the Mastercard® fee community, which suggests you should use it wherever you see the Mastercard® image. That would embody:

• Your favorite outlets, eating places, cafes and bars
• Web sites for on-line buying
• Cellular apps, for reserving taxis or ordering meals, for instance
• ATMs for money withdrawals
• Plenty of public transport providers, together with Transport for London buses and on the London Underground

You should use your card for each chip and PIN and contactless funds.

Fits Me Pay as you go Account Options

When you’ve opened a Fits Me pay as you go account you’ll get entry to plenty of nice banking options that may allow you to spend, ship and save your cash simply. Choose a characteristic beneath to study extra about the way it works and why you may wish to use it.

• Current Account,
• Mobile Banking App,
• Pay as you go Debit Card,
• Bank Transfers,
• Direct Debits,
• Standing Orders,
• Saving & Budgeting,
• Google Pay (coming soon),
• Samsung Pay (coming soon),
• Cashback Rewards,
• See all Features,

The Distinction Between a Fits Me Pay as you go Account and a Conventional Financial institution Account

Fits Me isn’t a financial institution, it’s an digital cash establishment. However we provide pay as you go playing cards on-line and many options which can be just like, or the identical as, these supplied by banks.

We aren’t as strict with regards to opening an account both, so we’re perfect for individuals who wrestle to entry conventional banking providers. Key variations between a Fits Me pay as you go account and a standard checking account embody:

1. No Excessive Avenue Presence

We’re a web based banking answer. We don’t have bodily branches – however we do have a multilingual customer care crew. You’ll handle your e-money account by way of on-line banking and our cellular banking app.

2. No Credit score Facility (Overdraft and/or Credit score Card)

We don’t at present provide credit score like a separate bank card or overdraft facility. Having no credit score out there might be useful if you happen to’ve struggled with managing cash prior to now.

3. No Credit score Checks or Proof of Handle

We don’t ask for an ideal credit score historical past or proof of handle to open an account. We intention to supply high-quality monetary providers to people who find themselves usually excluded by excessive road banks.

4. No Credit score Facility (Overdraft and/or Credit score Card)

Our cash isn’t protected by the Monetary Companies Compensation Scheme (FSCS) – however we maintain yours secure in a protected bank account that we are able to’t entry. We observe Financial Conduct Authority (FCA) necessities and The Electronic Money Regulations 2011 too.

How A lot Does a Pay as you go Contactless Card Price?

From transaction charges to inactivity fees, pay as you go playing cards can include a variety of various charges that may catch you out, so it’s good to analysis the phrases earlier than signing up. We’re absolutely clear with our prices so that you’ll by no means pay greater than you anticipate.

We provide two pay as you go accounts – Premium, and Premium Plus – that include barely totally different charges. Right here’s how our Premium Plus account works:

• £9.97 month-to-month payment
• Free pay as you go Mastercard® debit card delivered inside 3-5 working days
• 4 free UK ATM withdrawals monthly
• £0.50 + 2.6% payment for money prime ups
• Free on-line banking account
• Free cellular banking app
• One-off first cash loading payment of £9.97

Go to our costs web page for a full breakdown.

Add Cash to Your Pay as you go Account

Acquired your card within the submit? You’ll be able to add cash to your instant-use pay as you go debit card as quickly as you’ve activated it. Select from three fast and simple methods so as to add cash.

1. Get Your Wages/Wage Paid in

Our pay as you go card comes with an account quantity and kind code. Give these particulars to your employer and get your wages paid in routinely on payday. When you obtain profit funds, you possibly can have them paid in too.

2. Prime Up with Money

You’ll be able to add money to your card immediately at over 28,000 PayPoint areas throughout the UK, together with comfort shops and off licences.

3. Switch from One other Account

Switch cash from one other checking account. UK financial institution transfers are normally on the spot. You too can switch from overseas with our companion out there within the Fits Me app.

There are limits to the way you add cash to your pay as you go card, together with a most stability of £10,000. Learn extra about our prepaid account limits.

Are Pay as you go Debit Playing cards Safe?

Pay as you go playing cards are a safer and extra handy possibility than carrying massive quantities of money or small change round. We’ll maintain your Fits Me card and account safe in different methods too, although:

• We gained’t ship your pay as you go debit card PIN by submit
• You’ll entry your cellular banking app utilizing a 5-digit PIN or your distinctive fingerprint
• Get pleasure from safe on-line banking with full account encryption and site-wide HTTPS safety and SSL certification
• Block and unblock your pay as you go card immediately via on-line banking or your cellular banking app
• We observe FCA pointers by retaining your cash in segregated financial institution accounts we are able to’t entry
• Within the unlikely occasion we exit of enterprise, your cash can be protected by the UK Digital Cash Laws 2011

Who Can Get a Pay as you go Card with Fits Me?

We don’t have the identical strict standards as some excessive road banks and we don’t provide credit score amenities. Meaning we are able to provide pay as you go debit playing cards for migrants, individuals with poor credit score historical past and those that’ve been just lately bankrupt.

Mainly, anybody who may in any other case be financially excluded can get a Fits Me pay as you go card on-line! All you want is:

• To be aged 23 or over to use
• To have a UK handle so we are able to submit your pay as you go card (you don’t want proof of handle paperwork to open an account)
• To have one type of ID equivalent to a full UK driving licence, passport or nationwide ID card