OnePay Prepaid Card Review
ATM and Cash
Topups
Overall
OnePay is a UK prepaid Mastercard account with three plans. Pay As You Go has no monthly fee, Flex is £3.95 per month, and Active is £8.95 per month. Card purchases in GBP are free. Loads are £1.25 on Pay As You Go and free on Flex and Active. UK ATM withdrawals are £1.25 on Pay As You Go and Flex after any inclusive allowance, and free on Active after unlimited inclusive withdrawals. Non GBP purchases have a £1.50 fee plus a 2.79% FX conversion charge.
Fees and FX
ATM and Cash
Topups
Overall
Initial Viewpoint
Best for workers and customers who need a fast UK sort code and account number with simple pricing and an app to manage settings. Choose Flex if you want unlimited free loads and some inclusive ATM withdrawals. Choose Active if you want unlimited loads and unlimited inclusive UK ATM withdrawals with no per withdrawal fee after the inclusive allowance.
Highlights
- UK sort code and account number on all plans
- GBP purchases free from OnePay side
- Flex and Active include unlimited free loads
- App lets you toggle contactless, overseas and online transactions, and lock the card
Cautions
- Non GBP purchases add £1.50 plus 2.79% FX conversion charge
- Pay As You Go charges £1.25 per load and has no inclusive ATM withdrawals
- Inactivity fee may apply on Pay As You Go after 60 days without use
Overview
What it is
A prepaid Mastercard account with UK account details, mobile app and online portal. Spend in store and online wherever Mastercard is accepted.
Who it's for
UK residents who need quick wage payments or a simple spending account with app based controls and clear fees. Employers and agencies commonly sign up workers to OnePay.
Key Facts
Issuer and scheme:
The OnePay Card is issued by PSI Pay Ltd under licence from Mastercard. Funds in the OnePay account are issued by PSI Pay Ltd.
Safeguarding and FSCS:
E money safeguarding applies. FSCS does not cover e money. Details are shown in site footer and terms.
Plans:
Pay As You Go £0 monthly, Flex £3.95 monthly, Active £8.95 monthly. All include a unique UK sort code and account number.
Loads:
Pay As You Go £1.25 per load, Flex free, Active free.
ATM withdrawals in GBP:
Pay As You Go £1.25 per withdrawal. Flex has 2 inclusive withdrawals per month then £1.25. Active has unlimited inclusive withdrawals then free.
Purchases in GBP:
Free on all plans.
Non GBP spending:
£1.50 per non GBP card purchase plus 2.79% FX conversion fee. Non GBP ATM fee £2.50.
App features:
Lock card, toggle contactless, overseas and online transactions, view PIN reminder, biometric login, multi language app.
Pricing & Fees
Fee Type
Amount
Notes
Monthly package
Pay As You Go: £0.00, Flex: £3.95 and Active: £8.95
Plan fee per calendar month.
Inclusive ATM withdrawals in GBP
Pay As You Go: 0, Flex: 3 and Active: Unlimited
Per calendar month.
ATM withdrawal in GBP
Pay As You Go: £1.25, Flex: £1.25 after inclusive and Active: Free after inclusive
Active shows free once inclusive is unlimited.
ATM withdrawal in non GBP
Pay As You Go: £2.50, Flex: £2.50 and Active: £2.50
Per withdrawal.
Card purchases in GBP
Pay As You Go: Free, Flex: Free and Active: Free
Card purchases in non GBP
Pay As You Go: £1.50, Flex: £1.50 and Active: £1.50
Plus FX conversion charge below.
FX conversion charge (non GBP)
Pay As You Go: 2.79%, Flex: 2.79% and Active: 2.79%
Applied to non GBP card transactions.
OnePay account loads
Pay As You Go: £1.25, Flex: Free and Active: Free
Per load.
UK bank transfer out via app or portal
Pay As You Go: £1.25, Flex: £0.75 and Active: £0.75
Select customers only.
International bank transfer out
Pay As You Go: £10, Flex: £10 and Active: £10
Select customers only.
Direct Debit per instruction
Pay As You Go: £1.50, Flex: £0.75 and Active: £0.50
Unpaid Direct Debit
Pay As You Go: £2.00, Flex: £1.50 and Active: £1.00
Lost or stolen replacement
Pay As You Go: £3.00, Flex: £3.00 and Active: £3.00
Inactivity fee
Pay As You Go: £3.00 per month after 60 days with no use, Flex: Not applicable and Active: Not applicable
Applies to Pay As You Go only.
FX & ATM Details
FX conversion
The card is a GBP account. If you spend in another currency, OnePay adds a £1.50 non GBP purchase fee and a 2.79% foreign currency conversion fee on the transaction value. For non GBP ATM withdrawals, the fee is £2.50. Always choose to pay in the local currency to avoid DCC
ATM usage
GBP cash withdrawals cost £1.25 on Pay As You Go and Flex after the inclusive allowance. Active gives unlimited inclusive GBP withdrawals that then price as free. Non GBP ATM withdrawals cost £2.50 on all plans. Some ATM owners may add their own surcharge.
Topups & Payments
Method
Fee or Limit
Notes
OnePay account loads
£1.25 Pay As You Go, Free on Flex and Active
Per load.
Transfers to other OnePay accounts
Free
Primary customers may transfer to Select customers only.
UK bank transfer out
£1.25 Pay As You Go, £0.75 Flex and Active
Select customers only.
International bank transfer out
£10.00
Select customers only.
Direct Debits
From £0.50 to £1.50 by plan
Per instruction.
Applying for the OnePay Card
Apply via your approved agency/employer (common route) or start via OnePay’s site. Complete standard ID & address checks; after approval you receive your card and account details. Some materials indicate accounts are available where the employer/agency is OnePay-approved.
Limits & KYC
Topic
Detail
Account maximum balance
Primary customer: £10,000, Select customer: £60,000 – Select requires additional ID checks.
ATM cash per transaction
Primary customer: £300, Select customer: £300 – Minimum £5.
ATM cash per day
Primary customer: £500, Select customer: £500 – Primary per 28 days £5,000. Select per 28 days £10,000.
Card purchases per transaction
Primary customer: £2,000, Select customer: £5,000 – Daily and period limits also apply.
Contactless single transaction limit
Primary customer: £45 with chip and PIN reset rules, Select customer: £45 – You will be asked for chip and PIN after 5 consecutive taps or £135 total.
KYC
Primary customer: Agency introduced Primary or upgraded to Select with full ID checks – Terms show Modulr account terms in Schedule.
App & Features
Feature
Detail
App and portal
Check balance, view transactions, load, redeem, and manage settings.
Security
Two factor authentication and biometric login on supported devices.
Controls
Lock or unlock the card, toggle contactless, overseas and online transactions, get PIN reminder.
Languages
App and portal available in several languages.
Who It's For
Best for
People who receive wages via agencies or employers and want a UK account with clear fees, an app, and inclusive ATM withdrawals on higher plans.
Not ideal for
Frequent foreign currency spending, since non GBP purchases add a fixed fee plus a conversion percentage. Also not ideal if you need multi currency balances.
Pros & Cons
Pros
-
UK account details on all plans
-
GBP purchases free
-
Flex and Active include unlimited free loads
-
Active includes unlimited inclusive UK ATM withdrawals
Cons
-
Non GBP spending adds £1.50 plus 2.79% FX conversion charge
-
Pay As You Go charges £1.25 per load and has no inclusive ATM withdrawals
-
Inactivity fee on Pay As You Go after 60 days of no use
Awards and Recognition
No recent, public consumer card awards highlighted on OnePay’s UK site. Treat any historic mentions as context only, not current endorsement.
Awards and Recognition
No recent, public consumer card awards highlighted on OnePay’s UK site. Treat any historic mentions as context only, not current endorsement.
How It Compares
At a glance: OnePay is a GBP prepaid account with strong UK features and an employer friendly setup. Multi currency travel cards are better for mixed currency trips, while bank debit cards may offer fee free FX but fewer account controls.
Feature
OnePay Active
Multi currency travel card
UK bank debit card
Annual or monthly fee
£8.95
Often tiered
Usually £0
Card purchases
ATM fee
Free
Free
Varies by bank
FX fee
£1.50 plus 2.79%
Often small markup or spread
Many add FX fee
Alternatives to Consider
Wise multi currency card
Hold many currencies and spend abroad with interbank style rates. Check ATM caps.
Revolut travel card
Multi currency wallets with plan tiers and smart app controls. Review weekend FX markup and fair use.
Starling Bank debit card
Simple fee free FX on a UK current account with strong acceptance. Check ATM and replacement policies.
Caxton travel money card
15 wallet currencies with £0 Caxton fee abroad on POS and ATM. Paid plan offers 0% FX markup positioning.
Ratings
Category
Score 1 to 5
Weight
Notes
Fees and FX
GBP purchases free. Non GBP fee plus FX conversion applies.
ATM and cash
Inclusive UK ATM allowance by plan. Non GBP ATM is £2.50.
Topups
Loads free on Flex and Active, £1.25 on Pay As You Go.
Features and app
App controls for contactless, overseas and online, plus biometric login.
Support and trust
Issued by PSI Pay with safeguarded funds via e money rules. FSCS does not apply.
Compliance & Methodology
Regulatory
The OnePay Card is issued by PSI Pay Ltd. Funds are issued by PSI Pay Ltd and safeguarded under the Electronic Money Regulations. Access to payments is provided by Modulr FS Limited. FSCS does not cover e money.
Data sources
Plans page, Fees and Limits 2025 PDF, Help Centre and Terms. Verified on 11 Oct 2025.
Editorial policy
Independent, fact‑checked comparison. Click here for editorial guidelines.
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