A prepaid card with a £20 sign-up bonus
Exclusive everyday benefits
Spend abroad like a local
T&Cs apply
A pay-monthly prepaid card charges a fixed monthly subscription that typically unlocks perks you would otherwise pay for ad-hoc on PAYG: bigger or cheaper ATM allowances, reduced FX costs, rewards, extra cards, or premium support. You still load first, then spend, and there is usually no hard credit check—but standard UK KYC and address verification apply.
Who should choose a monthly plan?
- Frequent travellers who want predictable FX and ATM allowances each month
- Families who need multiple cards, spend controls and education features
- Workers who want a full replacement for a basic bank account with direct debits and payroll
- Anyone whose monthly usage charges on PAYG would exceed a flat subscription
Tip: Add up last month’s top-ups, ATM withdrawals, and overseas spend. If those would cost more than a plan’s monthly fee, a monthly tariff can save money.
Compare UK Prepaid Cards With Pay Monthly Tariffs
Monthly vs PAYG: which wins?
Choose monthly if you take cash abroad, spend in foreign currencies weekly, or need extras like additional cards, rewards or bigger app limits.
Choose PAYG if you use the card rarely, or mostly for domestic online purchases with few ATM withdrawals.