The Credit Union for people living in Caerphilly, Blaenau Gwent and Newport.

t: 029 2088 3751 e:

Pre Paid Visa Card

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 -  
Description Cost
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 (UK) £1.00
ATM Balance N/A
ATM Decline - no funds £0.25
Cashback & Rewards 1-4%
Other Fees
Description Cost
Additional Card Cost As Above
Replacement Card Fee As Above
EPIN Retrieval £0.60
Dormant Card Charges TBA
Overseas Transactions 4%
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
Cancellation/Redemption £2.00
Card Unload £3.50
SMS text for Balance / transaction Alerts £0.15
Paper statements (Optional) TBA
Transaction History Free
Transaction Revocation £5.00


National loyalty cash back
Retailers Client Rebate Cardholder Rebate
Virgin Experiences 0.50% 4.00%
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%
Carpetright 0.50% 4.00%
Storeys Carpets 0.50% 4.00%
Halfords 0.50% 4.00%
Cycle Republic 0.50% 4.00%
Debenhams 0.50% 2.00%
TuneTribe 0.50% 2.00%
feelunique 0.50% 2.00%
Spafinder 0.50% 2.00%
House of Fraser 0.50% 2.00%
Argos 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.

Smart Money Cymru Credit Union, 64-66 Cardiff Road Caerphilly CF83 1JQ Telephone 029 2088 3751
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority 213370

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