A prepaid card with a £20 sign-up bonus
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A PAYG prepaid card is a no monthly fee card where you only pay for what you use. You load money first, then spend online, in store or at ATMs. There is no hard credit check for most providers, but you will need to verify your identity and address. Because the card is not linked to your bank account, it helps you budget and limits exposure if details are compromised.
How PAYG works in practice: you avoid a subscription and pay small, clear charges when you top up, withdraw cash, or convert currencies. Some cards have a one-time card cost or charge fees when you spend in a currency you do not hold. Always check the live fee page before you order.
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Notes for readers: Some products are e-money (safeguarded, not FSCS). Age limits, plan tiers and fees change. Always check the provider fee page before applying.