What is the Smart Spend pre-paid Visa debit card?
Smart Spend pre-paid Visa debit cards do exactly what they say on the tin. You load cash onto a card, which can then be used in shops or online just like a standard debit or credit card.
Think of them like pay-as-you-go mobile phones. You can't spend what you haven’t got a safe barrier if you tend to overspend.
Another bonus is that you won't get credit-checked when you apply, making the application process much simpler. They're a good option for those who have just moved or struggle with their credit history.
Smart Spend pre-paid Visa debit cards are accepted by most retailers in the UK and abroad.
Who are they for?
If you struggle with budgeting, then a Smart Spend pre-paid Visa card may work out cheaper than accidentally dipping into a pricey overdraft on a monthly basis.
You'd spend as you normally would when using a debit or credit card. Register now for your Spend Smart pre-paid Visa debit card.
What are the benefits of pre-paid debit cards?
Great for everyday spending in shops and online
What will it cost me?
|Card & Transaction Fees -|
|Card Issue (Postal)||£5.00|
|Card Issue (Instant)||£3.50|
|Load Fee via Credit Union||0.50%|
|Monthly Management Fee||£0.17|
|Transaction Fee on Purchases||FREE|
|POS - Cashback||FREE|
|ATM Decline - no funds||£0.25|
|Cashback & Rewards||1-4%|
|Additional Card Cost||As Above|
|Replacement Card Fee||As Above|
|Dormant Card Charges||TBA|
|ATM (Overseas)||£1.99 - £2.99|
|CHAPS Transfer off Card||Credit Union only|
|Standard International Transfer off Card||Credit Union only|
|Urgent International Transfer off Card||Credit Union only|
|Load via PayPoint||Credit Union only|
|Load via bank transfer||Credit Union only|
|Card Block/Unblock Fee||£2.00|
|SMS text for Balance / transaction Alerts||£0.15|
|Paper statements (Optional)||TBA|
|National loyalty cash back|
|Retailers||Client Rebate||Cardholder Rebate|
|Ernest Jones ( Signet )||0.50%||4.00%|
|H Samuel ( Signet )||0.50%||4.00%|
|Bella Italia ( Tragus )||0.50%||4.00%|
|Café Rouge ( Tragus )||0.50%||4.00%|
|Belgo ( Tragus )||0.50%||4.00%|
|House of Fraser||0.50%||2.00%|
|Marks and Spencers||0.50%||2.00%|
|Travel by Inspire||0.50%||2.00%|
Frequently Asked Questions
Please see card providers website below for frequently asked questions.