Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
Page 23
    • Disability Focus
    • By Disability Focus 1st Mar 17, 9:55 AM
    • 1 Posts
    • 0 Thanks
    Disability Focus
    Prepaid Cards
    Which best prepaid cards are available for those with a disability who are in receipt of benefits that do not cost the earth.
    • eDicky
    • By eDicky 1st Mar 17, 3:27 PM
    • 2,585 Posts
    • 1,110 Thanks
    eDicky
    Which best prepaid cards are available for those with a disability who are in receipt of benefits that do not cost the earth.
    Originally posted by Disability Focus
    Most banks now offer a basic bank account and card to virtually everyone, but if you're unable or unwilling to apply for one there are only a few prepaid cards that provide a sort code and account number to enable funds to be loaded from a third party, such as benefits.

    Cashplus has a monthly fee of at least £4.95 so can be ruled out.

    Pockit has low fees but there are several reports recently in this thread of inward bank transfers going missing and laborious efforts to resolve it with their CS.

    Revolut has started providing a sort code and account number, they are very good for foreign currency transactions and the app may be excessively complex if you need don't need that. Also the plastic card now costs £5 and there's a 2% fee on cash withdrawals after the first £200 per calendar month (But no other relevant fees).

    Loot is relatively new, with no fees whatever apart from £1 per cash withdrawal after the first two per month. Transfers are sent and received by Faster Payments, which works very well when I tried it, but I haven't tested the card yet (not received within the week before I departed UK). CS respond well on the in-app chat.

    Revolut and Loot require a smartphone, managed totally by their app. I would give Loot a try and see how you get on, let us know.

    https://loot.io
    Last edited by eDicky; 01-03-2017 at 3:30 PM.
    • hallaig
    • By hallaig 2nd Mar 17, 4:40 PM
    • 1 Posts
    • 0 Thanks
    hallaig
    Don't use PockIt. I have regularly found they lose payments and always take days to find them and add them. Their customer service sounds like it's in a dodgy bar in London with no complaints process or supervisors. I'd not recommend them to anyone and certainly don't transfer large amounts as you might not see it again and are not protected legally.
    • P-Nuts
    • By P-Nuts 3rd Mar 17, 12:56 AM
    • 6 Posts
    • 2 Thanks
    P-Nuts
    Revolut has started providing a sort code and account number
    Originally posted by eDicky
    You can only use that account number to fund your Revolut card from a bank account in your name. It's just an alternative to topping up with a debit card. If someone else tries to use those details they'll bounce the payment after deducting a stupid tax.
    • eDicky
    • By eDicky 3rd Mar 17, 2:02 AM
    • 2,585 Posts
    • 1,110 Thanks
    eDicky
    You can only use that account number to fund your Revolut card from a bank account in your name. It's just an alternative to topping up with a debit card. If someone else tries to use those details they'll bounce the payment after deducting a stupid tax.
    Originally posted by P-Nuts
    I'm referring to the personal account number and sort code that Revolut is now offering to users, with which they can send and receive payments by FP to/from anyone. Previously funds could only be loaded from one's own account (which was made very clear), by debit card or transfer to Revolut's accounts with Barclays/Lloyds'
    Last edited by eDicky; 03-03-2017 at 2:08 AM.
    • Norbzilla
    • By Norbzilla 7th Apr 17, 11:40 AM
    • 1 Posts
    • 0 Thanks
    Norbzilla
    Do not use Pockit!
    Hello everyone!

    I signed in to this forum for one reason.
    That is to tell You, NOT to use the Pockit Prepaid Cards.

    That was the short version, this is the long one:
    I signed up a couple of weeks ago to get a prepaid card that I can use for more secure online purchases and when going out with friend.

    I went to Pockit's website; signed up; payed 99p; got my card in two days; toped it up on the same day with £100; worked as soon as the money showed up on my balance.
    I was blown away by the initial experience and instantly went and signed up my wife as well.
    And this is where everything went to hell.

    The card arrived on the 4th of April; went on the website; activated the card (had to do it twice, which was unnerving); then sent £200 on the account; got the conformation email of the funds; showed up in the statements; but the balance stayed at £0; parts of the account don't work; and the activated card disappeared from the account.

    So the money is with them, but we can't access it. The card is useless. And I have a bad aftertaste in my mouth.

    Filed complaints to them through their form. No response.
    Called their support line. Waited for 15 minutes for an answer. No response.
    Wrote a direct email to their help@pockit.com address. No response.

    This is unacceptable support.
    I can understand, if something goes wrong in the system and they have to fix it or something. But not having even an automated message confirming that they received our complaints is BAD customer service.

    Now our money sits in Limbo, not being able to access it.

    DO NOT USE THEM!
    It sounded too good to be true in the first place. Only 99p my ***!

    PS:
    Any idea where I can go too, if they still won't bother contacting me? I would like to get my money back, really.
    • Saras
    • By Saras 30th Apr 17, 3:21 PM
    • 1 Posts
    • 0 Thanks
    Saras
    Try qck-card. It come to any name to mailbox for free. Then you need to activate card and pay the activation fee.
    Possible deposit your card with bank transfer or with bitcoins.
    • d123
    • By d123 30th Apr 17, 3:46 PM
    • 6,391 Posts
    • 4,128 Thanks
    d123
    Try qck-card. It come to any name to mailbox for free. Then you need to activate card and pay the activation fee.
    Possible deposit your card with bank transfer or with bitcoins.
    Originally posted by Saras
    Hmmm

    The QCK Prepaid MasterCard is a prepaid card that comes without any form of loan or credit. The card essentially works in the same manner as a prepaid mobile phone card.

    In order to use your card, you must first load it with a minimum of EUR 108.00
    Minimum load €108?
    ====
    • grumbler
    • By grumbler 1st May 17, 7:40 PM
    • 51,388 Posts
    • 21,755 Thanks
    grumbler
    You missed the main point. This minimum load they need to charge €108 'issuing fee':
    The card issuing fee of 108.00 Euro includes the personalisation of an embossed, high-end premium design MasterCard card , which will be charged with your first minimum load of 108 Euro.

    Other 'benefits' are
    €36 annual fee (year 4+)
    Loading by SEPA only

    This annoying idiot had his first post killed already. After this I deleted mine. This time I will keep it.

    qck-card = rip-off, but some criminals may like it
    Last edited by grumbler; 02-05-2017 at 12:32 AM.
    We are born naked, wet and hungry...Then things get worse.

    .withdrawal, NOT withdrawel ..bear with me, NOT bare with me
    .definitely, NOT definately ......separate, NOT seperate
    should have, NOT should of
    .....guaranteed, NOT guarenteed
    • vampirotoothus
    • By vampirotoothus 27th Jun 17, 1:03 PM
    • 37 Posts
    • 181 Thanks
    vampirotoothus
    Pockit
    Hi, I too wouldn't recommend Pockit. I've been using it with my partner for a number of months. We did have an initial hiccup with funds going missing, but this was resolved. Now the issue is that since May they are charging my card twice with any spending (once to the vendor and then again a charge from the secondary card) which in some cases they then re-credit, but not all. My main gripe is that I can't download the transactions to check what is happening, the only option being PDF and the transactions don't show as plus and minus, therefore incredibly hard to understand. I have emailed for an explanation and a download of the data, but not expecting to receive any useful response, based on my previous CS experience with them. I am moving to another card.
    • Isolt
    • By Isolt 29th Jun 17, 4:50 PM
    • 32 Posts
    • 39 Thanks
    Isolt
    I had problems with Monzo. Used it without any problems for quite a few months. Then suddenly the card stopped working. I had about £800 in the account. A call to customer services and some strangely laid back bloke was like "oh yeah, we had to block your account. I'll try to find out why." Only after I gave them hell did they grudgingly reinstate access to my money. Their reason for blocking the card was "we think we had problems verifying you." This, after me having provided my passport and address ID 9 months before and them having emailed me 9 months before to confirm I was verified. Really strange bunch. If I hadn't been extremely persistent I would not have got my money back from them.
    • eDicky
    • By eDicky 1st Jul 17, 6:24 AM
    • 2,585 Posts
    • 1,110 Thanks
    eDicky
    I had problems with Monzo. Used it without any problems for quite a few months. Then suddenly the card stopped working. I had about £800 in the account. A call to customer services and some strangely laid back bloke was like "oh yeah, we had to block your account. I'll try to find out why." Only after I gave them hell did they grudgingly reinstate access to my money. Their reason for blocking the card was "we think we had problems verifying you." This, after me having provided my passport and address ID 9 months before and them having emailed me 9 months before to confirm I was verified. Really strange bunch. If I hadn't been extremely persistent I would not have got my money back from them.
    Originally posted by Isolt
    This is the first real problem with Monzo that I've seen reported - let's hope they take notice and find ways to avoid such issues and attitudes.
    • Watts50
    • By Watts50 17th Jul 17, 6:52 AM
    • 2 Posts
    • 0 Thanks
    Watts50
    Cancelling account
    I took out a prepaid credit card from MasterCard in February 17. It cost £72 for the year, paid in monthly installments. I also had an overdraft facility ( £100). This cost me £10 per month. I paid a small amount in every month to cover these costs and a little surplus. But I always seemed to have to pay more in. I never used the account for this reason. I decided to close the account recently. The charges were £92.36 for the full years charges. They assured me the account was closed but refused to give written confirmation. I then discovered more charges have been added to my (closed)account. Another £35 for overdraft fees and subscription charges. How can I be sure that this account is closed especially as I have paid all fees? I'm a pensioner on a low income. I have written to MasterCard but have had no reply.
    • eDicky
    • By eDicky 17th Jul 17, 10:55 AM
    • 2,585 Posts
    • 1,110 Thanks
    eDicky
    I took out a prepaid credit card from MasterCard in February 17.
    Originally posted by Watts50
    Who is the card provider (eg. Cashplus)?
    • Watts50
    • By Watts50 17th Jul 17, 1:30 PM
    • 2 Posts
    • 0 Thanks
    Watts50
    I took out a prepaid credit card in Feb 2017
    Yes it is with CASHPLUS
    • d123
    • By d123 17th Jul 17, 5:06 PM
    • 6,391 Posts
    • 4,128 Thanks
    d123
    Yes it is with CASHPLUS
    Originally posted by Watts50
    So why did you write to MasterCard?

    . I have written to MasterCard but have had no reply.
    Originally posted by Watts50
    Surely a letter to Cashplus would be more appropriate.
    ====
    • FrostedPenguin
    • By FrostedPenguin 17th Jul 17, 5:29 PM
    • 1 Posts
    • 0 Thanks
    FrostedPenguin
    Prepaid Mastercard mobile phone purchase
    I have a Pockit Prepaid MasterCard which I got because they were offering £15 for a £10 topup during a promotion. I didn't need it but I couldn't resist the free money. The £15 balance was just sitting there and I needed a cheap payg mobile handset for travelling. Good old Carphone Warehouse had a deal for a sim free long life battery brick for £14.99 delivered. I thought I'll have one of them and bought it online and paid with the Pockit balance. Email followed with my order details etc. A few minutes later I get another email cancelling the order. No explanation just cancelled thanks very much. An 0870 number if I wanted to discuss it but other than that nothing. I was going to phone but then I thought I would try something. I placed the exact same order again, same name, address, email etc but I paid using my First Direct Visa card. Sure enough within minutes I got a despatch email, the handset will be with me tomorrow. Now all this might be a coincidence but if the original order was cancelled because I used a prepaid card it seems a bit tight on people who only have these types of card. I could understand if Carphone did this with a contract phone but this was just a sim free phone, not even Payg. I was just curious if anyone else had experienced this.
    • eDicky
    • By eDicky 17th Jul 17, 7:32 PM
    • 2,585 Posts
    • 1,110 Thanks
    eDicky
    Yes it is with CASHPLUS
    Originally posted by Watts50
    I had a Cashplus card which had no monthly fee at first, and when they told me they would begin charging I reduced the balance to zero and ceased using it. So they could not take the monthly fee, and they never asked me for it. In your case I assume it would be the same, although I don't know how it would work with the overdraft fee. Anyway I suggest you don't pay any money into your supposedly closed account, and see what they say in reply to your letter. Can you still log in to your account online?
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

72Posts Today

1,851Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin