| My Cash Plus Gold MasterCard |
Getting a payment card has never been easier. With no credit check and no need for a bank account, this is the everyday card for everybody. My cashplus Gold MasterCard gives you true flexibility in the way you manage and control your money. And, you now also benefit from the kudos of owning a Gold Card!
The cashplus Gold MasterCard is the first and only prepaid gold MasterCard to be issued within the UK. Over the last 2 years, the card has been issued to in excess of 100,000 UK clients - making it the market leader. The cashplus Gold MasterCard comes with many features and benefits including online account access and various loading options including the Post Office®.
Click here to compare the cashplus Gold MasterCard against other leading cards CARD NAME:
cashplus prepaid Gold MasterCard
ISSUING BANK:
Broadcastle Bank Ltd (BBL) or APS Financial Ltd (AFL)
cashplus prepaid Gold MasterCard is issued by Broadcastle Bank Ltd which is authorised and regulated by the Financial Services Authority. Your card will be serviced by Advanced Payment Solutions Ltd which is a registered agent of Broadcastle Bank Ltd for this purpose.
cashplus prepaid Gold MasterCard is a trademark of Advanced Payment Solutions Ltd. MasterCard is a registered trademark of MasterCard International Incorporated.
CARD TYPE:
MasterCard
UNIQUE BENEFITS::
The first and only prepaid Gold MasterCard card, cashplus prepaid Gold MasterCard is the market leader in the UK for prepaid cards and is the most awarded prepaid payment card in Europe. CREDITBUILDER, a unique way of helping build/rebuild your credit rating. Over 100,000 clients have been issued this card within the UK.
The cashplus prepaid Gold MasterCard has received the following awards:
- Best Customer Servicing in Prepaid - MasterCard
- Most Innovative Product - European Card Review
- Best Product Launch - Cards International
- Most Promising New Product - IFS
- Best Call Centre - Connect Awards
PROS
100% acceptance guaranteed*
No credit check
Use at over 25 million retail outlets and over 1 million ATMs worldwide, wherever you see the MasterCard acceptance mark
Shop securely online, by phone or in store
Top-up for FREE at 14,500 locations, including any UK Post Office® branch
Chip and Pin
Manage your account online
SET UP & MAINTENANCE FEES:
Activeplus account -
Card issue fee - £9.95
Purchase transactions - All free
Monthly service fee - £4.95
Flexiplus account -
Card issue fee - £9.95
Purchase transactions - £1 each
Monthly service fee - £4.95 (only applies if account has no transactions, including top-ups, for a period of 120 days from the date of the last transaction)
FUNDING OPTIONS & ASSOCIATED CHARGES:
Top-ups by cash - Free at any UK Post Office ® branch
Standing order - Free
At a cashplus prepaid Gold MasterCard retail outlet - Free
Get your wages paid direct to cashplus prepaid Gold MasterCard - Free
At an e-pay outlet - £2
TRANSACTION CHARGES:
Check your balance and recent transactions online - Free
ATM withdrawal UK - £2
ATM withdrawal non-UK - £3
Cash withdrawal at bank - £3
WHO CAN APPLY?
Aged 18 or over. Proof of UK residential address required.
ATM LIMITS:
Maximum daily ATM withdrawal - £500
MISC:
Maximum top-up of £5000 per day. cashplus prepaid Gold MasterCard can be used anywhere the MasterCard acceptance mark is displayed. Car hire using your cashplus prepaid Gold MasterCard is possible. Help rebuild your credit rating with CREDITBUILDER.
*Subject to terms and conditions, see card issuer’s site for details.
The information contain on this fact sheet was correct at the time of going to press 03/04/2008.
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More Info About Prepaid Credit and Debit Cards
What is it?
A prepaid credit debit card works on much the same basis as the now very familiar and popular prepaid mobile telephone. Charge with your required amount, then use as you wish. Once the prepaid credit /debit card is loaded with funds, the card holder can access areas that are often restricted to traditional credit card use, such as the internet and telephone purchases.
Requiring no credit check, the prepaid credit / debit card is available to everyone who is able to provide valid identification. The prepaid credit / debit card offers no credit facility which enables its holder to budget effectively, thus removing the possibility of accumulating spiralling debt. The prepaid credit / debit card can be used both in the UK and worldwide.
Pros
A poor credit history does not exclude applicants as no credit check is carried out. With no monthly credit bills to pay, a prepaid credit /debit card offers the flexibility of a traditional credit / debit card without the interest payments. Book a holiday or purchase online, allocate a monthly budget to household members, pocket money for the family members - funds can be spent in a retail outlet, online or over the telephone. Funds can also be withdrawn at any ATM.
Cons
The prepaid credit / debit card does attract monthly and transaction fees. With no credit facility, only the funds available on the card can be spent. Because no credit is offered, the prepaid credit / debit card will not help rebuild credit files.
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