Prepaid Payroll Cards

If you have struggled to get paid because you do not have a bank account, or you want a safer alternative to cash and cheques, a prepaid payroll card can help. You load money first, then spend online, in-store or at ATMs. Employers can pay wages straight to the card account using Faster Payments or BACS, so there is no cash handling and no cheque-cashing queues.

You do not need a traditional bank account or a credit history to apply, but you will need to complete standard KYC and address verification. Because payroll cards are not linked to your main bank account, they help you budget and reduce exposure if details are compromised.

Why employers like payroll cards

• Pay everyone electronically with the same payroll run (banked and unbanked staff).
• Reduce cash handling, security risks and reconciliation time.
• Faster onboarding with bulk file uploads or an employer portal.
• Clear digital audit trail for wages and expenses.

Why employees like payroll cards

• Get paid on time without a bank account.
• Spend in store, online and withdraw cash at ATMs worldwide.
• Real-time balance and card controls in the app.
• Option to add a secondary cardholder for family access where supported.
• Use for domestic and overseas spending; no chance of running up credit debt.

Compare Prepaid Payroll Cards